davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ME)

Unable to temporarily lift Equifax credit freeze after repeated attempts, both online and call in to their automated number at XXXX and Customer Care (! ) number XXXX. This was necessary because I was informed I already had an account but I didn't have the PIN to access it. 
1 ) First call placed at XXXX, XXXX, XX/XX/18. I furnished all required information at automatic prompts but the call was disconnected at the very end. 
2 ) Second call placed at XXXX. Call staff person informed me that Equifax systems were down and I should call back in half an hour. 
3 ) Third call place at XXXX one hour later and was told the system would be down for another hour and to call back later. 
4 ) Went online at www.equifax.com to verify I had an account with Equifax. Website confirmed I had an account and confirmed the email associated with the account but I didn't have the 10 digit PIN to access it. I filled out all of the required information and requested a PIN reset. I received confirmation from Equifax that an email had been sent to the email associated with my account. Checked email repeatedly on and off over next 5 hours but no email was received from Equifax.

5 ) I called XXXX again around XXXX XXXX  and informed call center person that I had not received the email to reset the PIN. Then was asked to furnish all of my personal information over the phone, including all credit cards, revolving credit credits, along with current balances, all of which I furnished. I couldn't understand why he needed this detailed information as he said he already had my account up on the screen. I was quite angry and frustrated with this ongoing rigmarole for a simple temporary lift on the freeze. After answering all of the questions, I was informed that I would have to resubmit hard copy of all this information via mail before they could do a temporary lift!!!! 
6 ) I asked to talk to his supervisor but was told he wasn't at present available and if I left my phone number he would call back. Then I hung up. I'm still waiting for the phone call.

7 ) Equifax is throwing up way too many roadblocks to what should be simple online tasks i.e. help consumers manage their own personal credit data. Whether this is through simple incompetence or malicious intent, it defeats the whole purpose of the new credit bureau guidelines. Based on my experience, I have concluded that Equifax appears to have no intention of following any guidelines 8 ) Equifax has already had one major security breach that compromised the personal credit of up to 143 million Americans. This place needs to be shut down. At a minimum, stiff financial penalties should be imposed until they clean up their act.
Consumer complaint received 2023-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (SC)

XX/XX/2021 {$4100.00} This company report bad information on my credit report without my knowledge. I never gave this company permission to obtain my credit. 

1692e, entitled False or Misleading Representations, states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Further, section 1692e ( 2 ) ( A ) prohibits the false representation of the character, amount, or legal status of any...
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (OH)

XXXX XXXX ( Original Creditor ) account was placed in collections for {$93.00}. 
The debt collector is WAYPOINT RESOURCE GROUP. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2023-06-13
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. (OH)

In accordance with the Fair credit Act. The list of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 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 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account Without my written instructions.

15.U.S.C 1681. C ( .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 or crimes which antedates the report by more than 7 years.

15. U.S.C 1681 S- ( 2A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have contacted the company and ask for my 26.99 % interest rate to be reduced. I pay on time and have a good credit score. 

I can not pay down the balance with this abnormally high rate.
Consumer complaint received 2024-03-12
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-06-01
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. (GA)

The vehicle was a total loss on XX/XX/2023 and was reported. The insurance company of the vehicle paid {$12000.00} and now I have been waiting for the gap insurance from us auto to pay the remaining. The problem is us auto went out of business and its reporting that I missed a car payment on XXXX, XXXX Since XX/XX/XXXX, when my car was totaled I am not required to make any more payments. Can you please help me get this resolved on my credit report. Thank you kindly
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This is the third time I've asked the agencies to correct my consumer report since the accounts listed below are Inaccurate. My life and personal reputation depend on the outcome of my consumer report. I'm exhausted and stressed every day. Delete these inaccurate and unverifiable accounts immediately.
Consumer complaint received 2023-10-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I have a email from XXXX the original creditor of this debt, on XX/XX/XXXX. It states after the investigation it is determined that Im not responsible for any charges related to the account number # XXXX. The account for the collection agency reporting the debt is Jefferson Capital System LLC acct # XXXX for the amount of {$3300.00}. 

According to XXXX whom I disputed this to, file # XXXX, says that this was sent to Jefferson System and the decision wasnt in my favor. 

What more proof do they wont to stop reporting this and allow this collection to be removed from my credit report. I have sent a copy of this document to Jefferson Capital System LLC XXXX XXXX XXXX XXXX XXXX MN XXXX, and it still is reporting to my credit report
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I am writing to dispute information on my credit report that I believe are inaccurate and should be removed. The following information are incorrect and should not be included in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian 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 DP OF EDUC XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are damaging my credit score. Upon reviewing my credit report, I found several violations of FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. Specifically, I am disputing the following accounts : XXXX XXXXXXXX : Account Number XXXX This account was reported as a late payment, which is inaccurate. I have never missed a payment with XXXX XXXX and have always made payments on time. This report is in violation of the FCRA. 

XXXX XXXX XXXX : Account Numbers XXXX and XXXX These accounts were reported as charge-offs, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

XXXX : Charge Off Account I do not recognize this account and have no knowledge of it. I believe this account was opened fraudulently, and I am disputing this report as a violation of the FCRA and XXXX 

XXXX XXXX : Account XXXX XXXX This account was reported as a charge-off, which is inaccurate. I have always made my payments on time and have never received any notification of delinquent payments or charge-offs from XXXX XXXX. This report is in violation of the FCRA. 

XXXX - XXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

I am requesting that these items be removed from my credit report as soon as possible. I am also requesting that you provide me with written confirmation of the removal of these items and a copy of my updated credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-23
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)

PLEASE NOTE, THIS IS A NOT A DUPLICATE COMPLAINT, THIS IS A COMPLAINT CREATED BY myself with no third party involved. 
I have submitted my dispute to TRANSUNION CREDIT BUREAU numerous times as ONLY TRANSUNION HAS REPORTED THIS PUBLIC RECORD ON MY ACCOUNT. 
I'm asking TRANSUNION TO VERIFY THIS ACCOUNT - XXXX  XXXX Bankruptcy Reference number : XXXX, I BELIVE THE VERIFICATION PROCCESS REQURED THEM THROGH ORIGINAL CREDITOR OR ORGANIZATION WHO IS HOLDING THIS INFO. AS FROM MY UNDERSTANDING IT SHOULD BE A COURT, I have sent my request to the court and also I have requested my credit REPORT FROM XXXX  REPORT, I have received a letter from the court that I have previously provided to TRANSUNION AND I '' M attaching this letter here again together with report from XXXX, none of these organization could verify that account as my account, there is no record indicated on my profile. AND ONLY TRANSUNION HAS REPORTED THIS PUBLIC RECORED ON MY CREDIT HISTORY. 
I believe according to FCRA law if account can't be verify IT MUST BE DELETED. Verification must be with original creditor who placed that account or record.
Consumer complaint received 2023-02-23
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX on XX/XX/2022, has violated my rights. 


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

15 U.S.C 1681 section 604 A. Section. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-23
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. (AZ)

I'm a victim of identity theft. Pursuant to section 605B you must remove the fraudulent addresses and accounts. I've atttached FTC filings, drivers license, SSN and a utility bill to prove my identity.
Consumer complaint received 2023-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report. According to my credit report, I have several negative items on my credit history that I believe to be inaccurate. 

Firstly, the charge off account with XXXX XXXX ( XXXX ) is not accurate. While I did have an account with them in the past, I was never informed that it was going to be charged off. Furthermore, I was not given any notification of the balance that was owed on the account. 

Secondly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I do not have any recollection of ever having an account with them. 

Thirdly, the charge off account with XXXXXXXX XXXX XXXX ( XXXX ) is not accurate. I had paid off this account in full, and yet it still shows up as a charge off on my credit report. 

Fourthly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I have no recollection of ever having an account with them. 

Lastly, the collection accounts with XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) are not accurate. I have never received any notice from either of these companies regarding any unpaid bills. 

I believe that these errors have violated my rights under FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. I demand that the inaccuracies be removed from my credit report immediately. 

I look forward to your prompt response and resolution to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

On or about XX/XX/XXXX I graduated from school of which at that time all of my loans were paid in full with Federal Direct Loans. 
Since then the loan was sold to NELNET INC EIN XXXX-who has been monetizing and trading on it-using my SS number without giving me any tender-securities or dividends-or even asking for my permission to use or access my trust, then has the audacity to attempt to ask me for a payment of a loan of which has been paid more than ten years ago. 

However, I ask can NELNET INC-who is in breach { of UCC 3-302 holder of due course-This is a crime } send me a contract between myself and them stating that we have any type of agreement? If not of which they have still not giving me anything in it's original form, why? Because they are committing FRAUD. 

In addition According to HJR 192 of 1933 at XXXX -ALL DEBTS ARE PREPAID. 
If this fallacy of debt is not removed I am prepared for legal action against them and have the IRS audit this NELNET INC company. 

Again kindly remove this false XXXX { XXXX XXXX XXXX XXXX } debt that stains my credit report ASAP. Please and thank you XXXX XXXX
Consumer complaint received 2023-02-23
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX & XXXX account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-12
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. (NY)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-12
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. (MO)

New Information/ Complaint : Subject : Formal Credit Dispute Letter Dear Sir/Madam , I trust this correspondence finds you in good health. My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, reachable at XXXX or XXXX. On this date, XX/XX/XXXX, I present to you a formal Credit Dispute Letter under the provisions of the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681I ). 

I exercise my lawful right to contest dubious information unearthed in my personal credit report, invoking specific sections of the aforementioned Act : 1. **15 U.S.C. 1681c-2 : Block of information resulting from identity theft** I implore you to implement the necessary measures stipulated under 15 U.S.C. 1681c-2 to obstruct information stemming from identity theft.

2. **15 U.S.C. 1681a : Late payments under exclusions** I assert that late payments, as reported, contravene the illegality specified in 15 U.S.C. 1681a ( 2 ) ( 1 ) under exclusions. An earnest examination of this matter is urged. 

3. **15 U.S.C. 1681b : Permissible purposes of consumer reports** Pursuant to this law, the implicated creditor lacks authorization to report on my credit. I insist on a comprehensive verification of the creditor 's permissible purpose and the accuracy of my complete file information, including the provision of a copy of my ID. 

**Incorrect Account Information : ** The subsequent accounts are reporting inaccurately : - **XXXX XXXX- XXXX XXXX - Reason : Identity Theft Fraud/Not mine - **XXXX XXXX- XXXX  XXXX - Reason : Identity Theft Fraud/Not mine I beseech a thorough investigation into these discrepancies and a prompt resolution of the matter. Your cooperation in rectifying these anomalies is earnestly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit 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: Synovus Bank (MN)

Attached is a letter from XXXX XXXX  for proof of payment of my closed Synovus First Digital credit card account. My closed First Digital credit card account balance is paid in full. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

My account was transferred to this company, they have not sent out any e-mails, calls, letters to me in order to start re-payment process. I'm unable to login to their website, customer service is non-existent. I've tried calling, e-mailing them and nothing. I'm unable to pay my loan, and will be marked as late soon.