davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : Request for Correction of Erroneous Reporting of Student Loan Accounts under FCRA XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX concerning my student loan accounts. According to my records and supporting documentation, all ten of my student loan accounts were placed under forbearance as of XX/XX/2020. Despite this, each account was erroneously reported as 90 days late during the same period. 

I have already initiated a dispute with XXXX and provided them with the necessary documentation that confirms the forbearance status of these accounts. Unfortunately, XXXX has not rectified the inaccurate reporting, and this misinformation continues to be reflected in my credit reports by the major credit bureaus. 

The persistence of this incorrect information is causing significant financial distress, as it erroneously portrays my financial responsibility and hinders my ability to secure credit. This misreporting falsely indicates that I have ten seriously delinquent accounts, which is misleading and damages my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and correct or delete any inaccuracies found. 

Section 623 ( 15 U.S.C. 1681s-2 ) obligates furnishers of information, like XXXX, XXXX provide accurate information to the credit bureaus and to correct any inaccuracies once identified. 

Given the clear discrepancies between XXXX  reporting and the documented status of my accounts, I am requesting that the CFPB assist in ensuring these inaccuracies are corrected. Specifically, I ask for XXXX to cease the incorrect reporting and for the credit bureaus to remove the erroneous entries from my credit report immediately. 

I have attached the relevant documentation that supports my forbearance status during the time in question and am prepared to provide any further information required. 

Thank you for your attention to this matter and for your assistance in upholding the standards set forth by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (DE)

the school has closed it is no longer under the same name as when i started they are being sued by employees as well as students for not notifying us of this change they arent paying their employees and are under a big lawsuit while attending the schoo school i never received the direct payment to me the school which was XXXX XXXX XXXX XXXX was cashing the checks to stay afloat now im on disability and can not afford to pay anything to them they have not accepted my disability letter
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (MN)

Sometime between XXXX and XX/XX/2019 I went to make a large purchase, they ran my credit and it was brought to my attention that " XXXX XXXX '' or " IQ Data International '' put a $ 22,000+ collections account on my credit file, stating that the account was opened in XX/XX/2019. During which time I did not live in the state of Minnesota. I have not, to date, received ANY correspondences regarding this alleged debt owed. Between XX/XX/2019 and Present, the amount owed mysteriously changed from $ 22k+ to now showing as $ 11k+. In XX/XX/2019, I filed a dispute with all three major credit bureaus, XXXX, XXXX  and XXXX XXXX. Since then, XXXX XXXX and XXXX  have both investigated and determined that said account does not belong to me and have removed them from my credit files completely. To date, I am still in a back and forth battle with XXXX. They refuse to remove this inaccurate reporting from my credit file. I would like to note, I have zero collections accounts on my credit file with exceptional payment history on all open accounts. This fraudulently reported account may hinder my home buying process. Please advise.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (KS)

1 - There is an address that I have never lived before on my consumer report.

2 - There is no such former name for me. Incorrect on consumer report 3 - Employment dates are incorrect
Consumer complaint received 2021-01-06
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (NY)

I am writing today in regards to my account with Kia Motors Finance # XXXX. 
A late payment is showing on my report in XX/XX/2020. Due to Covid I was unable to make the payment in XX/XX/2020. An accommodation was made where fees were waived according to the Cares Act if any accommodations have been made no late can be reported. I did get this account current as soon as I was able to.
Consumer complaint received 2021-01-06
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. (AL)

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 
I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (OH)

Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. 

Here is the list of accounts that is still reporting on my Credit Reports : XXXX XXXX Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$50.00}
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SD)

This complaint concerns Portfolio Recovery Associates, LLC. ( here after referred to as PRA ) PRA hired XXXX XXXX XXXX to sue me for a debt that I do not own. 
I responded to both parties by asking for the information required by the FDCPA to legitimize this debt. The only thing PRA was able to provide me was in house information typed on their own letterhead. This is not sufficient to establish that this account is mine. 
When I disputed this and asked for it to be removed. It was not. ( Please see enclosures ) I asked them to stop all communication unless they could verify this debt with original documentation. They did not.
Consumer complaint received 2021-01-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (IN)

My account on my car loan with Bridgecrest was charged off in XX/XX/2020. The car was repossessed but I got the car back XX/XX/2020. I am currently still making payments on the car but it still shows up on my credit as charged off. I asked them if they could remove it and they refused. If I'm still making car note payments, it shouldn't be charged off.
Consumer complaint received 2020-08-17
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have currently been on hold for 1 hour and 50 minutes being sent from one ignorant operator to the next. I work very hard form my money and I contacted the bank immediately after I recognized a charge I did not approve. When I asked the bank I trusted with my funds to stop payment on the unauthorized charge I was told nothing can be done until the charge goes through. Once the charge went through I called the bank and disputed the charge explaining that I had closed and account and was supposed to be sent a final bill but the company just applied the full amount to my account on file without my approval. I was told that I would hear back from the dispute department but no one ever disclosed that there would be a 90 day wait period to get MY MONEY back. No one disclosed that I could even dispute the charge with the company that applied it to my account now my account has fees and fraudulent charges totaling to over 600 dollars and my family can not afford to eat or buy gas to get to work. Its horrible that billion dollar companies take advantage of customers with limited funds but it causes even more detriment during a pandemic. Also when I asked how do I know that my complaints have been filed correctly if no one will give me a name or reference # for my complaint and customer service reps gave me nicknames like XXXX and XXXX. Nothing that I could use to report specific poor attitudes. A complete disgusting and disgraceful experience. Truly upset
Consumer complaint received 2024-03-20
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. (IL)

Im writing in regards to Transunion reporting false information on my credit report. The account in question is XXXX XXXX with account # XXXX opened on XX/XX/2018 and a balance of {$5500.00}. This account is linked to an address that Ive never lived at. The address is XXXX XXXX XXXX, XXXX, XXXX  XXXX. I have disputed with them multiple times. They recently removed the address but said the account has been verified as mine. How is this possible when this account was opened up with an address that Ive never lived. I have screenshots of my XXXX XXXX report that has my address history that clearly shows there is no record of me living at this address. I would like this account removed account removed immediately.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions for Discover Card ending in XXXX ; permission was never requested from Discover nor given to allow for the over-the-limit-fraudulent transactions. In addition, Discover did not have methods in place to prevent the multiple fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Hopefully Discover is now protecting their clients from thieves. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. Discover states they will not share this information or do not have. This is America. Any information can not be withheld from the consumer if the consumer will then be held responsible. The theft resulted in account being closed, charged off, and then exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA. Discover did not follow Section 1026.56 of Consumer Financial Protection Bureau.
Consumer complaint received 2024-02-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (NY)

I am writing to file a complaint against a debt collector ( NELNET ) who has failed to provide me with sufficient proof of the alleged debt they are attempting to collect. Despite multiple requests, they have not provided any documentation or verification of the debt, which is in violation of the Fair Debt Collection Practices Act. This lack of transparency is causing undue stress and uncertainty for me, and I request your assistance in addressing this issue promptly. Thank you.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OH)

In the last two months I have been charged a late fee of {$40.00} on my credit card account while making the payment on the due date and receiving notification from the credit card provider that it was in fact made on the due date. Tonight I called the provider and spoke with a XXXX. XXXX tells me that my payment is due by XXXX on the due date. I asked him to please provide where that is stated on my account. His response was " IT'S ON THERE SOMEWHERE IN SMALL PRINT '' " I'M NOT SURE WHERE BUT I KNOW IT'S ON THERE " Well I have read the small print and it states NO WHERE on there that my payment is due by XXXX XXXX. What is states is the following. " Internet and telephone payment options are available and crediting times vary ( But generally must be made before XXXX XXXX   CT TO XXXX XXXX CT depending on what day and how the payment is made. If you are making an internet or telephone payment please contact Cardmember Service for times specific to your account and payment option. There is noting on the Card holders website that states the payment must be made prior to a certain time or it will be considered late nor is there any specific time as XXXX told me was in the SMALL PRINT ON THERE SOMEWHERE. This is clearly deceptive on the part of Elan Financial and they should be required to post in plain sight both on the statement and the website that if a payment was not made by a certain time it would be considered late. My payment posted on XXXX XXXX according to XXXX who offered absolutely no assistance even though my account is prompt every month.
Consumer complaint received 2024-03-19
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)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

My account at XXXX XXXX XXXX, Wells Fargo and XXXX XXXX  the accounts where accessed and joint accounts where added I was never able to access the accounts because of joint account access that indidnt authorized.I never transferred funds out the country nor I never spent or transferred not XXXX dime of money at any bank my card use was restricted..There are other banks that I never even access.there is bank that I didn't receive compensation for because I didn't know what bank it is.Im a victim of identity fraud and want the banks to be notified and given me new accounts with the funds that I was supposed to have in accounts that I'm entitled to.I am divorced it should be just a sole proprietorship account.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CT)

This card was closed in XX/XX/XXXX when I the Consumer Account resulted in identity theft after my online account was hacked into by the XXXX XXXX XXXX. 
All information was reported to XXXX XXXX, XXXX, XXXX, Identitytheft.gov, XXXX XXXX XXXX XXXX, PC at XXXX XXXX XXXX, XXXX XXXX, CT XXXX and XXXX XXXX Agent : XXXX phone # ( XXXX ) XXXX case # XXXX Whereforth, the identity theft criminal was identified ; affidavit submitted to XXXX Attorneys in XX/XX/XXXX by USPS Priority Mail and XX/XX/XXXX by Certified Registered/Certified USPS Returned Receipt Post Card Mail that included : Affidavit and Witness Statement and Identitytheft.gov online reporting of XXXX Credit Card Identity Fraud . 
In addition to verbal and written correspondences dated ; XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Telephone Confirmation with XXXX XXXXXXXX XXXX XXXX XXXX received on XX/XX/XXXX USPS confirmation!
Consumer complaint received 2020-10-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. Other information I would like changed XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. BANK OF AMERICA ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

On XX/XX/XXXX I called Merchants Credit Group, asked for a supervisor and spoke to Mr. XXXX. Mr. XXXX stated that both he and Merchants Credit Group are neither aware nor associated with the account number XXXX thats reporting to the credit bureaus. Mr. XXXX stated that the only accounts that he can locate are XXXX, XXXX, XXXX & XXXX. Mr. XXXX stated he could not disclose any more info on what type of debt, etc and Hung up. 
Merchants Credit Guide received a letter on XX/XX/XXXX via USPS certified tracking number XXXX stating they have the wrong individual, to correct their records and cease all collection activities. 
Merchants Credit Guide received a letter on XX/XX/XXXX via USPS certified tracking number XXXX stating Im disputing the debt AND requesting validation of the debt. 
Merchants Credit Guide failed to validate the debt within 30 days by law. 
Merchants Credit Guide received a letter on XX/XX/XXXX via USPS certified tracking number XXXX stating they are now in violation of the FCPDA and that Im requesting validation a second time before taking legal action. 
I spoke to Mr. XXXX again on XX/XX/XXXX stating that the so called account/accounts NEED to be ceased due to failure of validation. Mr. XXXX stated he could not assist me and hung up. 
Merchants Credit Group received a Notice of Intent To File Lawsuit on XX/XX/XXXX stating that if the account/accounts are not deleted by Friday, XX/XX/XXXX, I will be filing a lawsuit for multiple violations. 
As of XXXX, the account/accounts are still open according to a rep at Merchants Credit Group who refused to provide me with their name, refused to connect me to a supervisor and hung up.
Consumer complaint received 2021-01-06
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. (GA)

) I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX   ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.