davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting 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. (IL)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report on XXXX and also XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with ( XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with { Insert COMPANY NAME } for review or collection. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (NC)

Experian, XXXX and XXXX have failed to show any substantial increase in my credit score although XXXX has corrected the defective reporting on their part to all three credit bureaus. 

We understand from correspondence with Experian and from other resources that payment history counts for approximately 35 % of the composition of a credit score. There has been no improvement evident on the score subsequent to XXXX updated information. 

Here is the situation. In XXXX XXXXXXXX granted me COVID relief for my car loan that extended from the end of XX/XX/2021 through XX/XX/2021, when I again began making payments. XXXX did NOT keep accurate records and erroneously reported me late during the time of XXXX relief. When I resumed payment, they applied those payments backwards to the time of initial COVID relief starting in XX/XX/2021 instead of applying the payments from XX/XX/2021 onward. They incorrectly reported me late for slightly over 12 months. This caused me reduced credit lines which raises the usage % of my available credit. After over a year of effort, XXXX corrected their reporting to Experian, XXXX and XXXX and I no longer have any late payments reported from them. 

Since the incorrectly reported late payments were not a result of actions on my part, that correction of XXXX error should have raised my credit score substantially but it has not. 

This situation is now an error on Experian, XXXX and XXXX part. Correspondence with Experian has not resulted in action on their part and despite repeated requests for the name and contact information for someone with the authority to implement the appropriate corrections to Experians records, this has not been provided. XXXX and XXXX site does not provide and option to address the issue since the problem is not one of the options listed.

The errors resulting from this situation have caused me serious professional and personal damage. 

Once the score is appropriately raised, I will be able to reapply for the lines of credit and other terms that this error has caused me to lose and then raise the level of credit available and reduce the amount of % used. 

This experience with the disinterest of financial institutions like Experian, XXXX and XXXX in assuring that they have accurate records is disheartening. I hope you will be able to help me rectify this situation.
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UMB FINANCIAL CORPORATION (IL)

To whom it may concern, In XXXX, I opened a UMB credit card ( the card number ending XXXX ) that offered 0 % APR on purchases till XXXX. 

Unlike my other 0 % APR credit card, the exact 0 % ARP expiration date is not listed on credit card statements or anywhere in my online account, I web messaged the customer support inquiring about this information and got a response that my 0 % ARP will expire on XX/XX/XXXX ( screenshot available ). However, I got an interest charge on XX/XX/XXXX though I paid the minimum balance for the corresponding billing cycle. 

Since XX/XX/XXXX, Ive made repeated attempts to contact customer support via web messages and phone calls for the following. But as of today, XXXX, I havent gotten any response or resolution to these requests/inquiries : 1. Interest charge reversal since the 0 % APR expiration date I was provided with is a much later date 2. clarifications regarding the reason for the interest charge, given I was informed of a later 0 % APR expiration date 3. the correct 0 % APR expiration date if the previously given date is incorrect Truly appreciate your time and consideration in addressing this matter! 

Best regards, XXXX XXXX
Consumer complaint received 2023-09-08
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: Nelnet, Inc. (AK)

Dept of Ed is still showing that I owe {$36000.00} in student loans and responded to the last complaint saying I still owe, DESPITE me providing documentation showing PAID IN FULL. This student loan has been paid for for quite sometime. I WILL NOT pay a second time for something I DO NOT OWE. On top of that, I became XXXX 3 years ago after a XXXX XXXX XXXX that STILL requires further XXXX  and has left me unable XXXX  XXXX, do my daily activities, left me with EXTREME nerve damage, and I am in the middle of a malpractice claim for. The LAST thing I need is for someone to report FALSE information to my credit, since I may need my credit for my XXXX. 

I do not know how many times I have to complain until SOMEONE takes it seriously and stops reporting " verified ''. 

I am providing two documents from XXXX showing the student loans were paid in full, as well as photographs of my leg injury that I am dealing with. 

I have paid my debt in full and now am faced with a lifetime of XXXX and have to continue to fight for what is right against companies that simply buy and sell false information. 

Again, this debt is paid. I WILL NOT PAY AGAIN, even if I could. It is sad that companies like this can continue to destroy the lives of the innocent, especially those who are a disabled. I hope people are proud of themselves for picking on the weak. Nothing but a bunch of bullies.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (MD)

I am receiving this letter from Nelnet loan services, this is the second time Nelnet has requested identity theft when I did not request for identity theft. I requested for debt validity and requested verification of the debt which was not answered. Attached to this is a letter I requested plus the green return receipt which I know they have received this letter on XX/XX/. Also the response of the debt collector. Nelnet loan services did not provide me this information, in pursuant to 15usc1692g validation of debts, without this information this alleged debt can not be owned by me but Nelnet is the owner of the {$26000.00} debt. Please discharge this debt.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AZ)

I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail  which was {$6.00}. I called XXXX XXXX when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to XXXX since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.
Consumer complaint received 2023-05-02
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 believe i was subject to identity theft, there are accounts on my credit report that i do not recognize. These accounts do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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, XXXX Account Number # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX/DOFED ACCT # XXXXFRAUD/REMOVE XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX ACCT # XXXX FRAUD/REMOVE XXXX  ACCT # XXXX FRAUD/REMOVE XXXX  XX/XX/2023 XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX/DOFED ACCT # XXXXFRAUD/REMOVE XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX  ACCT # XXXX FRAUD/REMOVE XXXX  ACCT # XXXX FRAUD/REMOVE XXXX XXXXXX/XX/2023 TransUnion FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Consumer complaint received 2023-09-08
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: Experian Information Solutions Inc. (IL)

XXXX, Experian, and XXXX continue to report inaccurate information. The below account has not been properly validated or verified. There are several inconsistencies on the account XXXX XXXX XXXX  Account # : XXXX. 

XXXX XXXX XXXX Account Status : Closed Derogatory Derogatory Date Opened : XX/XX/XXXXXXXX  XXXX XXXX Balance : {$0.00} {$270.00} {$0.00} High Credit : {$270.00} {$0.00} {$0.00} Credit Limit : {$250.00} {$250.00} {$0.00} Past Due : {$0.00} {$270.00} {$0.00} Payment Status : Unknown Collection/Charge off Wage Earner Plan Last Reported : XX/XX/XXXXXXXX  XXXX XXXX Comments : - Unpaid balance reported as a loss by the credit grantor. 
Account involved in XXXX XXXX debt adj. 
Credit card Included in XXXX  XXXX Date Last Active : XXXX XXXX XXXX  Date of Last Payment : XXXX XXXX XXXX  15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over 1 dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entries of the account from the date of account opening as described in Publication IRS 583.
Consumer complaint received 2023-09-08
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: EQUIFAX, INC. (IL)

XXXX, XXXX, and Equifax continue to report inaccurate information. The below account has not been properly validated or verified. There are several inconsistencies on the account XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account Status : Closed Derogatory Derogatory Date Opened : XX/XX/XXXXXXXX  XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$270.00} {$0.00} High Credit : {$270.00} {$0.00} {$0.00} Credit Limit : {$250.00} {$250.00} {$0.00} Past Due : {$0.00} {$270.00} {$0.00} Payment Status : Unknown Collection/Charge off Wage Earner Plan Last Reported : XX/XX/XXXXXXXX  XXXX XXXX Comments : - Unpaid balance reported as a loss by the credit grantor. 
Account involved in XXXX XXXX debt adj. 
Credit card Included in XXXX  XXXX Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over 1 dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entries of the account from the date of account opening as described in Publication IRS 583.