davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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. (NY)

I have disputed 3 unauthorized inquiries on my Transunion credit report. They are as follows : XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, and XXXX XXXX - XX/XX/XXXX. I sent certified letter and disputed online. They have not been removed. They are negatively impacting my credit score and increasing my cost of borrow. Please remove immediately.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, I opened a claim for {$610.00} on XX/XX/XXXX and received a letter from the bank on XX/XX/XXXX saying that they are unable to pay. The reason why I opened the claim is that I lost my debit card with my password on the back and I immediately claimed dispute for the amount charged. However, I'm devastated because the bank refused to approve it.
Consumer complaint received 2022-12-21
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. (GA)

According to my research about FCRA 605, CREDIT BUREAU are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed 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
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

After receiving a copy of my credit report and realized an account that is reporting incorrectly. This account was paid in full and on time in XXXX XXXXHere 's a copy of my bank statement where the account was paid in full and should be IMMEDIATLY removed from my report. 

XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS PAID IN FULL AND ON TIME.
Consumer complaint received 2021-07-27
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. (CA)

I have called the 3 credit reporting agencies multiple times, Experian, XXXX XXXX to please correct the personal information on my account. The have not corrected the inaccurate information they are reporting. 

I have called and spoken to several representatives and supervisor and they have not yet corrected my personal information. 

I called on XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Amongst the three credit bureaus my personal information is reporting inaccurately which violates my consumer rights per the following information : Firstly, there are differences in the name of the account holder across the three credit bureaus. XXXX lists the name as " XXXX XXXX XXXX, '' while XXXX and Equifax both list the name as " XXXX XXXX XXXX. '' This discrepancy in the spelling of the middle name could potentially cause confusion and lead to errors in the reporting of the credit history. 

Secondly, there are discrepancies in the current and previous addresses listed by the different credit bureaus. XXXX lists the current address as " XXXX XXXX XXXX XXXX XXXX, GA XXXX, '' while XXXX lists the same address but without the " XXXX '' in XXXX XXXX name. Equifax lists the address as " XXXX XXXX XXXX XXXX XXXX, GA XXXX. '' Similarly, the previous address listed by XXXX is " XXXX XXXX XXXX XXXX XXXX, GA XXXX, '' while Equifax lists the same address but without the zip code extension. These inconsistencies in the formatting of the address could lead to confusion and potentially impact the accuracy of the credit report. 

Finally, there are differences in the employers listed by the different credit bureaus. XXXX lists " NOT PROVIDED '' as an employer, while XXXX and Equifax do not. This discrepancy could raise questions about the accuracy and completeness of the credit report. 

These inconsistencies may violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and completeness of the credit reports they produce. Specifically, Section 607 of the FCRA requires that credit bureaus " follow reasonable procedures to assure maximum possible accuracy of the information '' in credit reports. Additionally, Section XXXX of the FCRA requires credit bureaus to provide a free copy of the credit report to consumers once every 12 months, so that they can review the information and report any errors or discrepancies.
Consumer complaint received 2022-11-22
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2023-05-26
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: I.C. System, Inc. (NV)

There are multiple accounts & inquiries opened and being reported on my credit report that do not belong to me. I have took the necessary steps to contact these companies & the credit bureaus to advise that whats being reported is fraud & not accurate. I have made several attempts in disputing all inaccurate information being reported on my credit but there has been no resolve. I filed a police report regarding this matter in XXXX of 2022, I requested alerts be put in place on my credit as an extra layer of protection yet that didnt work either. This has affected my credit & score tremendously & i am now choosing to escalate this matter in hopes of it getting resolved right away.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Neon Newco Corporation (FL)

XXXX I want my send my check to be put on my PayPal debit card I got my refund in the mail when I did my taxes at they were sending a check in the mail for both but I already got my refund and they said it won't get my stimulate until XX/XX/XXXX and I'm wondering if I can get in my PayPal account debit card thank you you call me at XXXX. My name is XXXX XXXX thank you for your time
Consumer complaint received 2023-06-16
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. (TX)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX fraudulently said I adjusted the settings for my notifications. That is a blatant lie. I never adjusted the settings. I attempted to set up auto pay in XXXX, and they adjusted the settings for whatever reason. They are XXXX XXXX lying if they say I adjusted the settings. The fact is that they adjusted the settings when I attempted to set up auto pay, and then failed to tell me that the auto pay was not put in place properly. Only after receiving a late payment notice did I realize auto pay was not set up properly. I never received any notification that there was a problem. Proof of their mistake is I set up auto pay again in XXXX after making the late payment they caused, and I still have yet to receive an email that I set auto pay. 

They changed my settings, and failed to notify me of the changes.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts 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 accounts immediately. 

XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
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. (TX)

This is my NUMEROUS 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 : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (MS)

This is my second-time requesting 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (NJ)

Jefferson Capital Systems is falsely reporting information about an alleged debt I was never notified about and is past the Statute of Limitations to report or collect on. They are falsifying information, on my credit report, in an attempt to make the alleged debt look like a new account/collections thus causing continued damage to my credit score. 

According to the information Jefferson Capital reported on my credit file they are trying to collect on an alleged debt originating in XXXX. The alleged original delinquency date is seven years old! 

However, Jefferson Capital is reporting this alleged debt as a new account on my credit reports by claiming I opened an account with them in XXXX of XXXX, despite the original delinquency date saying XXXX. I have no account with this company, I never opened an account with this company and I have never agreed to anything with this company. Attempting to make it look as though this is a new debt/collection account, by posting a false start date, is an illegal action by Jefferson Capital Systems . 

According to Florida State law, this alleged debt is also well past any Statute of Limitations for collecting. As per to the Fair Credit Reporting Act ( FCRA ) the time allowed for credit reporting of this type of alleged debt is seven years. ( Per Section 605 ( A ) # 4 and # 5 of the FCRA ). That time is up! 

This is an attempt by Jefferson Capital to keep the alleged negative collection on my credit report past their legal right to do so. I have also never had the opportunity to dispute this alleged debt because Jefferson Capital Systems has never sent me anything about it. 

I want all accounts, collections, line items, etc, removed by Jefferson Capital Systems from each of my credit reports immediately and permanently. I want all collection activity towards me to stop from Jefferson Capital Systems immediately as their claims against me are false and I dispute them 100 %.
Consumer complaint received 2023-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

in accordance with the fair credit reporting act XXXX, this account has violated my rights.

15 USC 1681 section 602 states i have the rights to privacy 15 usc 161 section 604 a Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Again, I have been a victim of fraudulent activity and this is another request to remove the information from my credit file resulting from the fraud. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any account and information not later than 4 business days after XXXX XXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information the Credit Bureaus provided on some accounts and information are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. By the provisions of the Fair Credit Reporting Act, I request that the Credit Bureaus remove the following accounts and information from my Credit File as soon as possible : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts and information were never authorized on my behalf thus I am disputing these and be removed from my Credit File. These accounts and information have caused me damage I am looking forward for these accounts and information to be removed without delay. As much as I appreciate the Credit Bureaus previous action and have some of the disputed accounts and information removed, I am a bit disappointed seeing these accounts and information still being reported without proper verification. Please help me resolve these matter the sooner the better.
Consumer complaint received 2024-04-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (WA)

On XX/XX/XXXX I submitted an IDR application to move my loans into the XXXX  repayment plan. StudentAid.gov activity history shows the status of this application as " Completed '', along with a description that reads, " Servicer will choose plan ; user provided documentation of income ''. XXXX months later, the loan servicer, Nelnet, sent a letter dated XX/XX/XXXX asking me to " Please submit a new income-driven repayment plan application. '' The reason offered is the following : To consider income-driven repayment plan requests, we must have a completed application and documentation of taxable income ( if applicable ) as outlined on the application. We were unable to process your request because we did not receive all of the required documentation from you as noted in our communications to you, and due to the age of the request, your application has been closed. If you still wish to be considered for an income-driven repayment plan, please submit a new application. 

I have now submitted a new repayment plan application as of XX/XX/XXXX, after months of interest has accrued on the loans since the first application was submitted. I would like Nelnet to quickly review this application and place my loans in the XXXX plan.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to TransUnions website on XXXX XXXX, 2017 to obtain a free credit report at https : //www.transunion.com/annual-credit-report. See attached pdf which shows picture of misleading website intentionally designed to fool people into ordering a service which they do not want and which is very difficult to cancel. 

If you go to the site you will see that they advertise a free annual report. They mention it being free several times in the paragraph that follows and there is a button to order a Trans Union report and score to the right of their description about the free services. I clicked on the Get your credit report and score button. It brought me to a three-step process which I completed. The process required that I provide them a lot of details about myself including verifying my home mortgage and even entering a credit card number. It did not occur to me that I was entering my credit card number for purposes of being billed for any type of service. I was surprised when I received an email that stated that I had enrolled in a monthly credit monitoring service for {$19.00} per month. 
I contacted Trans Union today and spoke with 2 individuals who assured me that it would be easy to have the service canceled. I went online and am not sure that the service was even canceled. 
I am very concerned that I have been victimized by Trans Union and that many other Americans are also going to be victimized by Trans Union particularly after the XXXX situation where many of us are wanting to run a credit report to see if we have been victimized.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.