davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act.The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

5 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. 

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 then seven years.
Consumer complaint received 2020-04-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (PA)

I was advised by my XXXX  doctor that if I want to, I can get a XXXX XXXX XXXX at my local hospital but that my insurance would not cover it and it is a {$60.00} out of pocket fee. I decided to be better safe than sorry and I set up an appointment at XXXX XXXX Hospital and asked again at that time how much this will be. again i was told that it is a {$60.00} out of pocket cost and that insurance does not cover the test. I went in and had the test done at which time I paid the bill of {$60.00} expecting my results to be forwarded to my XXXX  doctor. After not receiving any results from the hospital or from my doctor I assumed that the results were good and no news is good news. Several months later I received a bill from a place in NJ ( XXXX XXXX  XXXX  XXXX XXXX XXXX ) for the amount of {$220.00}. I then contacted a representative from that company and told them that I paid for the test at the time of the appointment and she said that it must be an error on their end and that she would take care of it. Well long story short, they sent it to collections and now my credit score has been affected by this not to mention my ability to refinance mt home at a lower rate. I never asked for a third party to review my records of to get involved in this matter at all. the reason i took thetest was because I could only afford the {$60.00}. I never received any type of paperwork or test results from XXXX XXXX XXXX XXXX. 

Thank you for your help XXXX XXXX
Consumer complaint received 2024-03-19
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. (TN)

Transunion, and XXXX, According to the Fair Credit Reporting act, the collection account below Account name XXXX Account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the information is also inaccurate and reports incorrectly, According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly which they have failed to do.

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 2020-03-23
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: EQUIFAX, INC. (FL)

XXXX XXXX Acct # XXXX Amount {$1800.00} XXXX XXXX Acct # XXXX Amount {$54.00} XXXX XXXX XXXX Acct # XXXX Amount {$1200.00} XXXX XXXX Acct # XXXX Amount {$110.00} XXXX Acct # XXXX Amount {$450.00}
Consumer complaint received 2024-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. ()

I sent the following message to Nelnet on XX/XX/XXXX : Dear Nelnet Customer Service, I am writing to address a concerning issue regarding the allocation of my monthly payments towards my loans. Since my loans were transferred to Nelnet, I have noticed a significant disparity in the distribution of payments, particularly towards the highest interest loan. 

It has come to my attention that only 20 % of my monthly payment is being allocated to the loan with the highest interest rate. This allocation strategy deviates from the payment structure I had previously agreed upon and practiced before the transition to Nelnet. Such a distribution not only defies economic logic but also puts me at a disadvantage. 

I am deeply troubled by this discrepancy and feel as though I am being taken advantage of. As a responsible borrower, I expect fair and transparent treatment in the management of my loans. Therefore, I am reaching out to you to seek immediate resolution to this matter, encompassing both past discrepancies dating back to XX/XX/XXXX and adjustments to future payments. 

I trust that Nelnet is committed to upholding ethical standards and providing satisfactory service to its customers. I kindly request prompt action to rectify this issue and ensure that my payments are allocated in a manner that aligns with my financial objectives. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your cooperation in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-21
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. (FL)

On XX/XX/2017 My vehicle was broken into and personal information was taken along with cash, My drivers license and my SSN card which were stored in my vehicle middle console. This information was subsequently used to open a Cellular phone with XXXX XXXX  on XX/XX/2017 which i did not authorize. The person used the card to run up a bill of {$1500.00}. This account shows up on my credit report in all three bureaus as a collection. I have provided the three major bureas a copy of the police report filed, The FTC identity theft report filed and a copy of my drivers license and SSN card as required. This information was also provided to XXXX XXXX. This information still appears on my credit report even though it should be blocked by FCRA 605B as I have provided the neccessary documentation.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (UT)

American Express is reporting a debt on my credit, and I don't owe it. This Account has been closed for many years and it should not be on my credit. I have no idea what this {$4.00} balance is about on my credit. I never received any notifications, calls or any letters regarding this debt. This account closed on good terms, and now it's appearing on my credit negatively. This is erroneous & needs to be removed off my credit.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TX)

I received a letter from Synchrony Bank dated XX/XX/2020 that explained that a credit card through PayPal was denied. The application was attempted on XX/XX/2020. 
I did not apply for a credit card from PayPal. 
I called Synchrony Bank, PayPal division. I was told that since the credit card was denied there was nothing for them to do. 
I have 2 department store cards that are also through Synchrony Bank. I explained that I wanted it investigated that my information was leaked from those cards. I was told that even though all 3 were backed by Synchrony Bank there was no way that my information was leaked. They refused to do anything else.
Consumer complaint received 2024-03-31
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: GOLDMAN SACHS BANK USA (FL)

I ordered some items from XXXX. Had an issue with delivery. XXXX kept telling me to wait for items to arrive. They didnt. I put in dispute for these items amount totaling XXXX. Apple found this in my favor and I received the credit for XXXX. While all of this was happening, I returned the other items to XXXX, totaling XXXX. XXXX. XXXX told me and sent proof that they refunded these items. Apple stated that during a dispute it could not be refunded. So now I am trying to dispute the XXXX. Due to both companies blaming the other. The transaction amount in total is XXXX. XXXX. 
I hold NONE of these items from XXXX and have returned and did not receive items. 
Apple for some reason reversed the amount of the case I originally won and wont reverse it. Without explanation. 
All I know is I am not financially responsible for this and this needs to be fixed.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have been trying for three days to get Equifax to lift my security freeze so that I can refinance my home. Their website keeps crashing, and when I call their " Customer Care '' line, it becomes an endless loop of automated messages. I have never been able to talk with a human being. 

Per their automated message, I have sent them a fax, including a copy of my driver 's license and a utility bill, requesting a 30-day lift of the credit freeze. I sent that fax TWICE to XXXX
Consumer complaint received 2020-04-08
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: JPMORGAN CHASE & CO. (MA)

I am writing because I am concerned with the mark on my credit report. My payment history was marked 30 days late for my XX/XX/2020. This is what happened, my daugther, XXXX XXXX, who is an XXXX XXXX, is with me on this account. This is a joint account. She attempted to make the payment from overseas several times but it kept returning the payment then we inccured a late payment, so what I did was I took care of the matter and paid via my debit card and enrolled to automatic payment so this will not happen again.
Consumer complaint received 2024-03-19
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XX/XX/2022 XXXX XX/XX/202XXXX 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 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2020-04-08
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)

To Whom It May Concern, On XX/XX/XXXX I was looking at my credit report and noticed inaccurate information. 

Derogatory marks XX/XX/XXXX it says XXXX XXXX  XXXX {$130.00} Is owed. I had called this company many times in the past as this was all taken care of and there customer service reps had said they would remove from file. For some odd reason It is still on there. But was taken of. There was additional fee 's than it was fraud and never authorized by me. 

Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ( both companies I had called as neither company had I signed anything or applied for anything and to the best of my knowledge was fraud and unauthorized by me. Both companies agreed to remove from my file but for some reason still there. 

I have attached the false inquiries picture on here so you guys can see it
Consumer complaint received 2024-03-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC (NY)

I was paying my HELOC online and saw that the company was showing how much equity I had in my home. I had recently battled the same company on an alleged first lien that they were fraudulently claiming ownership of and it turns out they not only lied here in my answers to the CFPB - XXXX claiming to be servicers for XXXX XXXX and then admitting to being owner and holder of a loan that apparently does not exist according to THEIR OWN title company which cleared me to close on this loan increase. No first lien showed up - only a judgement from my ex husband which I promptly paid. I assumed that the company had done the right thing and removed themselves from my title - because no one can claim a holder status to foreclose on you if they're not on the title right? In fact - according to the law - only a holder in due course can sue the prior lien holders and New Rez is admittedly not a holder in due course. So, effectively, New Rez has been collecting my monthly payments since the beginning of this improper action all the while trying to sue themselves for the proceeds of the HELOC that I never missed a payment on and they themselves have continued to take the entire time they improperly had me in court.. The appraisal was also paid for and all was ok - so I was told. I hadn't heard anything so I called a few times and left messages with the loan officer. Today I went to the website to pay XXXX - since the loan officer instructed me to miss XXXX payments - I was unsure as to which XXXX so I made XXXXXXXX XXXX payment. According to XXXX website today- my loan has a star in the default column and no equity shows up at all and the number listed is the loss mitigation department. This loan was never even late and I would like an explanation as to why my loan is now in default status. This company never had any right to hold up my life, steal my equity and even take me to court let alone keep me from my equity now.

I will need a copy of all phone records, a copy of all
loan documents including the appraisal and the title search. They may have denied my rights to due process, XXXX and a fair trial but they are not getting away with stealing my equity any longer. This is a criminal enterprise and the CFPB has aided and abetted their operation long enough. Literally, my last complaint to this agency resulted in them admitting they switched positions and you guys did nothing. You are allowing these corporations to steal homes from law abiding American CITIZENS- and you all already knew that XXXX  XXXX XXXX had no authority to service anything when this fiasco began. You are all just as guilty.
Consumer complaint received 2022-02-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2020-04-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I sent a certified letter asking them so sent me a Method of Verification for my bankruptcy and if they couldn't please remove from my report and they said it was verified through XXXX who sent me a letter stating the Experian or XXXX  never responded to their request. XXXX, Experian nor XXXX   has sent me the Method of verifying this information.
Consumer complaint received 2022-02-23
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: CREDIT ACCEPTANCE CORPORATION (NY)

I have had difficulty with this company from the moment I found out there was a loan taken out in my name. Someone had tried to purchase a vehicle in my name several years ago. To date, I still have not been able to remove this from my credit report. I contacted Credit Acceptance and submitted their fraud departments paperwork 2x. The first time they lost my paperwork. So, I had to wait for them to send me another packet. Credit Acceptance has done nothing to try to resolve this situation. However, when I try to contact the company they just insist that I have to pay this bill of approximately {$19000.00} for a car that was taken out in my name which was fraudulent. I do not owe this bill. I made a report with the XXXX XXXX XXXXXXXX police at that time. I want it and all reports made by them to be completely removed from my credit report. Now, it is difficult for me to get any kind of loan for a house or car or anything else. The lack of this companys ability to communicate effectively and resolve this issue is completely unprofessional. This is especially so in my case because there is zero proof, zero signatures, or anything of the sort that would connect me to the purchase of a vehicle using Credit Acceptance.
Consumer complaint received 2024-03-19
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. (CA)

i sent a dispute letter to TRANSUNION about account " XXXX XXXX '' that it is reporting inaccurately and it came back " Verified. However, how could the account actually be verified if the last reported date is XX/XX/2023. Transunion stats it verified the account which wouldn't be accurate based on whats reported on my file.
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2020-04-08
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. (AR)

I decided to get my credit pulled due to a few collection letters. I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.