davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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: Opportunity Financial, LLC (FL)

I'm submitting this complaint against OppLoans and XXXX XXXX for practices that I believe infringe upon the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). As per my agreement with OppLoans, all disputes concerning my account were to be settled through arbitration. However, without my consent or any arbitration proceedings, OppLoans transferred my loan to a collection agency, XXXX XXXX. In their response, they confessed that they no longer own the debt ; it was now held by a collection agency. I argue that this act is a breach of contract and infringes upon my rights as a consumer. Upon becoming aware of this issue, I reached out to OppLoans and expressed my readiness to repay the debt directly to them. Despite my readiness to settle the debt, OppLoans declined to retrieve the debt, which I believe was transferred unlawfully. Moreover, in the process of this transaction, OppLoans revealed my personal information to XXXX XXXX without my consent. I maintain this is a violation of FCRA Section 604 ( a ) ( 3 ) ( F ), which limits the distribution of consumer data without a legitimate business requirement. After acquiring my loan, XXXX XXXX has resorted to harassment to recover the purported debt. They have phoned me multiple times during my work hours and even reached out to my workplace directly. They also threatened to report the debt to credit bureaus if I didn't comply. To avoid further harassment and potential damage to my credit report, I felt compelled to pay XXXX XXXX. I posit that these actions contravene FDCPA Section 806 ( 5 ), which forbids causing a telephone to ring or engaging any person in telephone conversation repeatedly or incessantly with the intent to annoy, abuse, or harass any person at the dialed number ; FDCPA Section 805 ( a ) ( 1 ), which prohibits communication with a consumer concerning the collection of any debt at the consumer 's workplace ; and FDCPA Section 807 ( 5 ), which forbids the threat to carry out any action that can not legally be executed or that is not planned to be executed. In light of these concerns, I request the CFPB to probe into these issues and take suitable action to safeguard my consumer rights. I also urge that OppLoans expunge this account from my credit report immediately, as I believe it was unjustly sold and reported to the collection agency.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was depositing my rent money in the ATM {$2000.00} and the machine took all my money and told me there was an error and to call a number. I called that number and they said it could take up to XXXX days to count the money in the machine and, see about getting my money back. I am very upset that it took so much money from me and it gave a message that said only {$10.00} was deposited. Then a receipt printed out and said in fact {$310.00} was deposited. It was supposed to be {$2000.00} so XXXX they owe me {$1600.00}. I just wish to file a complaint so they know that Im serious about my money and Im very serious about the situation that they put me through. This was from Bank of America located in XXXX off XXXX. On XX/XX/24.
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC (TX)

This was a company that kept charging me after service was canceled months prior. This company was for a business account and not for a personal creditor. Service was canceled, but they ignored the cancellation email and kept charging the business, and had tried to place this debt which doesnt belong to me on my personal credit
Consumer complaint received 2023-09-05
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. (CA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 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 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 2022-11-09
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: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX has several inquiries on XX/XX/23 and XX/XX/23 .. XXXX for same company for duplicate inquiries.
Consumer complaint received 2023-11-10
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. (TN)

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded listed below. 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
Consumer complaint received 2023-12-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Commercial Services, Inc (OH)

XX/XX/2023 Report number XXXX Accident happened XXXX XXXX and XXXX XXXX XXXX XXXX I didn't get a first notice until XX/XX/2023 and XXXX in XXXX  was going to give me a security suspension and apparently already had another suspension on my license The collection place told me I couldn't have XXXX XXXX XXXX XXXX statement saying I wasn't involved or even knew about situation until XXXX and found out cause of towing agency even though XXXX  XXXX XXXX paper they sent states other wise And now on XXXX XXXX XXXX I had agreed to pay monthly {$350.00}. the amount is now {$4600.00} total But when I was done with XXXX the collection agency caseworker called stating I did the last paper wrong but the XXXX XXXXXXXX approved everything She also wouldn't lower payment for XXXX XXXX XXXX since that's when I first found out about it They only called XXXX XXXX time and they didn't send him any papers I have to go get paper notarized again because she didn't tell me to not leave one spot opened for her She just told me to make sure I have to notarized paperwork and it was a must License date for suspension was XX/XX/2023 I had to pay collection agency XXXX that date and show proof at XXXX XXXX XXXX XXXX XXXX name is national commercial services , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number is XXXX Last notice was on XX/XX/XXXX for security suspension
Consumer complaint received 2023-11-10
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. (NJ)

I have account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded listed below. 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
Consumer complaint received 2022-09-21
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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 2022-10-23
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: EQUIFAX, INC. (IL)

I sent my first letter on XXXX XXXX XXXX XXXX  to investigate the following XXXX XXXX XXXX XXXX  Please verify this accountXXXX XXXX XXXX XXXX
Please verify this account. XXXX XXXX XXXX XXXX  Please verify this accountXXXX XXXX XXXX XXXX
Please verify this account. XXXX XXXX XXXX XXXX XXXX  Please verify this account.

I also asked to remove two  inaccurate address reporting on my credit report XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX I aslo sent another letter on XXXX XXXX
Consumer complaint received 2022-09-21
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-09-21
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. (NJ)

My name is 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 ( 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 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I applied for a SAVE application XXXX XXXX XXXX  The federal government told me my payment would be XXXX. I applied early, during beta, so Nelnet has had plenty if time to process my application. I connected my IRS account to Nelnet so they could I think my tax information from them. Which is a viable option. My AGI was listed from IRS as XXXX. The federal government said I qualify for XXXX. Nelnet kept asking for more information because like other friends I have, they are trying to scam me out of more money when the guidelines for SAVE are ONLY your AGI, which I provided. IT has been 3.5 months and Nelnet still hasn't processed my SAVE app because they are trying to find a way to charge me a huge amount. Which they have done to tons of my friends. I am fed up. This should have been handled a long time ago and the federal government told me 4 weeks to process or maybe a bit longer. 3.5 months is insane. Nelnet is worse than XXXX because thry even had my NAME WRONG. Great Lakes had my loan and never messed anything up. my name is XXXX XXXX and they keep sending me letters as XXXX XXXX. I am reporting them to the Ombudsman as well as they are treating me, a XXXX  with a XXXX like a financial mark toget as much money as they can from me. They sent me a bill for XXXX which is my old amount before SAVE. they can't get my name right, refuse to process my application and are trying to XXXX me over. As a XXXX XXXX XXXX XXXX XXXX I am done with the gross incompetence of Nelnet, their stall tactics to find a way to charge me as much money as they can, and their gross incompetence. My name was XXXX with Great Lakes who they received ny loan from. I demand also that I am credited with payments towards public student loan forgiveness a XXXX XXXXXXXX as it is their fault they have not processed my SAVE application. I want the Biden Administrarion to know the absolutely disgusting behavior I have endured under Nelnet. I demand my SAVE application be processed immediately and that my payment of XXXX be sent to me for XXXX asap. 

Attached are proof of dates and correspondence. 

XXXX
Consumer complaint received 2022-10-24
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. (FL)

Hi, my name is XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. There are multiple credit bureaus reporting inaccurate information on my credit report.
Consumer complaint received 2018-04-18
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. (GA)

Equifax has alot of credit inquiries that I have not authorised. 

XXXX XXXX /misc reporting agencies on XX/XX/XXXX XXXX XXXX  XXXX XXXX national credit card cos on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX, Ca.XXXX on XX/XX/XXXX XXXX XXXX/ misc.reptg agencies on XX/XX/XXXX XXXX XXXX, oh. XXXX on XX/XX/XXXX XXXX/ XXXX  , Ca. XXXX on XX/XX/XXXX Ive tried numerouse times to file a dispute but equifax wont recognise my account. It does recognise my account if Im trying to see the status of a dispute. Ishould be allowed to access my own info when I provide all my personal info. I cant even log in to get my free credit report. XXXX XXXX is the only way I can see my equifax info. I did not authorise the inquiries so they should be immeidiatly removed from my credit report. The other credit reporting agencies do not show but 4 inquiries and equifax is inaccurate by stateing I have 11 inquiries. Im trying to get accurate info and a decent  score as I am a XXXX XXXX year old trying to get into a nice min. XXXX XXXX XXXX.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (OR)

On XX/XX/2023 at XXXX XXXX XXXX time I requested a withdrawal in the amount of {$1000.00} usd plus {$3.00} fee for a total of {$1000.00} dollars from us bank branch ATM located at XXXX XXXX XXXX XXXX XXXX Or XXXX. The machine said hardware malfunction your cash has been retracted, still the machine debited my card this entire amount. I want my money returned and the bank is giving me no updates, furthermore they don't feel the situation is of urgency, nor do they want to take responsibility of their machines. Return my money to my account now.
Consumer complaint received 2023-11-10
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)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

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 2023-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

I received a letter from American Coradius International LLC on XX/XX/2023 stating that I owe a debt to XXXX in the amount of {$110.00} I have never taken part in any transaction via XXXX for {$110.00}. Additionally, there is no proof of any transaction for that amount in my XXXX history. This is a fraudulent claim.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong 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 2023-04-13
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX 2. The following personal information is incorrect Employers : XXXXXXXX XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX