davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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)

This account is not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/2019 Amount : {$32000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX  any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (IL)

An new account tagged student loan from an entity address XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX was added to my XXXX XX/XX/2023. Three letters, sent to my address from this company were returned, with barcode crossed out, and phrasewrong person, which it took a picture and have record of. I had record of this account on my XXXX, XXXX, and XXXX prior to XX/XX/2023 and received no notification of this account being added until it randomly showed up on my XXXX.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (MT)

On XX/XX/XXXX I received an email from the U.S. Dept. of Education from the office of Federal Student Aid signed by XXXX XXXX, Chief Operating XXXX. This letter states that all XXXX loans taken out from XXXX XXXX to XXXX of XXXX will be XXXX without requiring me to file an application due the widespread and pervasive nature of the school 's actions. This was to be a Group Discharge and the letter states that I do not need to do anything further.

While " some '' of my loans were discharged, {$64000.00} of the loans are still in Forbearance and the lender holding these loans ( AidVantage ) states that they did not receive any instructions from the Dept. of Education to discharge these loans. 
ALL of these loans were taken out to attend XXXX within the specified dates and therefore should be discharged according to the Dept. of Education.

AidVantage will not do anything other than tell me to contact the Dept. of Education, the Dept of Education borrower defense line states that they have been " experiencing historically high call volume '', tells me to try again later and hangs up. Of the few times I have been able to get a person on the line with the Dept. of Education they say they sent discharges for all the loans, AidVantage says otherwise.

I have filed multiple complaints with the Dept. of Education and have received no response after several months. 
The remaining loans are the vast majority of the loans taken out for XXXX. They are Federal Student Loans and it seems no one cares that they should be XXXX. 
If I do not get a satisfactory resolution ( discharge of my XXXX loans per the Dept of Education ) my only recourse will be to file a lawsuit against AidVantage.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (KY)

American Credit Acceptan has illegally reported information to other credit reporters as well. According to 15 U.S. Code 1681a. I did not give written consent or any consent for that matter for it to be reported to all credit bureaus. I did not sign anything knowingly or willing for my personal information to be shared with any credit bureau.This inaccurate report is very much so illegal as stated in the U.S. Code 1681a above. This needs to be resolved immediately or i will be forced to take legal action against these companies. I would kindly appreciate if this could be handled in a timely manner and appreciate your understanding.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX Status : Open Date opened : XX/XX/XXXX Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - Three late payments ( XXXX ) According to the consumer law 15 U.S. Code 1681a - Definitions ; rules of construction I hope this letter finds you well. I am writing to request information regarding 15 U.S. Code 1681a, which pertains to definitions and rules of construction within the United States Code.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (IL)

On XXXX XXXX 2017 my credit report was pulled by Target, which was not authorized. There is a consumer statement on my credit report requiring all lenders to call me before extending credit in my name. Target called and I told them I did not request a Target Credit Card nor did/do I give them authorization to pull my credit report. I instructed them to remove any inquires from my credit report, which still has not been done.
Consumer complaint received 2019-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have attempted for five years to have 2 liens from XX/XX/XXXX and XX/XX/XXXX removed from my Equifax credit report as they have been satisfied. I have gone through Equifax directly but have been unsuccessful. I answered that I had not done so because I no longer have the paperwork from the last attempt, over a year ago. 
Attached are screenshots that show I have no current liens. Please do what you can to have these removed from my Equifax report.
Consumer complaint received 2023-10-18
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Volvo Car Financial Services U.S., LLC (AZ)

On realizing this item on my credit report I then tried disputing the item There was no investigation conducted on my behalf to protect my rights as a consumer. 
I have never step foot on the business premises associated with this account No papper work has been checked for signatures and no video surveillance of my presence in this institution has ever been conducted
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I already recently filed a complaint against XXXX XXXX regarding my balance still appears to be {$4300.00} for some time now. So when I made my payment this past Friday on XX/XX/XXXX of {$210.00}, I'd informed them of the complaint filed and the reason. Well the next day XX/XX/XXXX, I received an alert from XXXX XXXX informing me that there had been a change. So when I go look to see what was going on, XXXX had dropped my score a whopping XXXX points! Going back to XXXX of XXXX! Also this balance is not correct. I should now owe {$3800.00} from 6 months ago to this date .They as well updated my payment status on XX/XX/XXXX, and the amount as I've stated stayed at {$4300.00}! And when I made my payment this past Friday, I asked what would now be my balance? She declined but stated that I could call back the next day for that status update, knowing that it would be Saturday! Now they are saying the balance is {$470.00}. So something is definitely off.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc. (WI)

I was behind LAST YEAR on a personal loan for home improvements ( new windows ). I caught it up by making over {$3000.00} in payments on the account. I noticed I had not received a new statement in a while, so I reached out and inquired ... as I was trying to see what the actual balance was. I should also mention that I have made the monthly payments AND THEN SOME since this time. 

After I made the large payments on the account, they apparently sent it to collections... which I NEVER received any communication about. I reported this to you. They then retaliated by reporting that the account was not up to date on credit reporting ... even though the account IS up to date... they are just not reflecting that and are refusing to do so. 

This is clear retaliation for me reporting their illegal practices- and you closed the complaint at their repsonse! I'm shocked by this- but they are now digging in and retaliating by trying to make my credit suffer even though I have made MORE than the required payments since late XXXX. This is truly shocking and I want them to stop. They need to be correctly reporting that they payments are being made TIMELY- they are refusing to do so. This company is TERRIBLE
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NJ)

IM A VICTIM OF IDENTITY THEFT AND I HAVE NO HISTORY WITH THESE BANKS. DIRECT COMMUNICATION WITH THE BANKS CONFIRMS NO RECORD OF MY ASSOCIATION. INFORMATION SUGGESTING OTHERWISE IS INACCURATE AND IS TIED TO FRAUDALENT ACTIVITY. IM ACTIVELY RESOLVING THIS ISSUE, REPORTED TO AUTHORITIES. KINDLY ASSIST IN RECTIFYING ANY ERROREOUS BANK RELATED RECORD.
Consumer complaint received 2023-06-28
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. (FL)

I am writing to dispute the presence of inaccurate accounts on my credit report, as well as inconsistencies in the reporting of collections and closed accounts across the three credit reporting agencies. These discrepancies violate consumer protection laws, as consumer law mandates that all information reported across credit bureaus must be accurate and consistent. I have thoroughly reviewed my credit report from [ XXXX ], [ EQUIFAX ], and [ XXXX ]. I have marked up the report, highlighting the following issues : 1. Collections : The collections accounts listed on my credit report differ significantly across the three credit reporting agencies. For instance XXXX is Reporting XXXX XXXX  as Collection Status CLOSED, Date Open XX/XX/2023, Last Activity XX/XX/2023 and most recent adverse rating as Collection/Charge-Off. Then If you look Directly at EQUIFAX Credit Agency it Reports XXXX XXXX XXXX as Collection Status OPEN, Date Open XX/XX/2023, Last Activity XX/XX/2023 and most recent adverse rating as NO DATA AVAILABLE. But Paid Charge/off Which I HIGHLIGHTED. Mean While XXXX XXXX XXXX is Not Reporting XXXX XXXX  its actually NOT FOUND!!! that account doesnt even exist on my credit profile with XXXX nor does it shows up, just as stated I have no claim to this alleged Collection and should be reported as Status CLOSED across all 3 Credit Agencies leaving XXXX & EQUIFAX being the only two Credit Agencies left to Update to the correct status & removal of the alleged Negative Collection account from my consumer report immediately. I have attached a copy of my credit report with clear annotations and markups, illustrating the highlighted discrepancies. These discrepancies not only undermine the accuracy of my credit report but also create confusion and potential harm to my creditworthiness
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received an emailed showing that someone was approved account for a XXXX  XXXX XXXX, that was processed online with my discuss security number and an address I had while I was a military spouse over XXXX yrs ago. It was with my old last name as well
Consumer complaint received 2024-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (VA)

On XX/XX/XXXX my phone was stolen and my information was compromised. In the midst of my information being compromised my cards were taken and my money was stolen from my account as well. I retrieved my phone back but never got my cards back. Between XX/XX/XXXX and XX/XX/XXXX {$5200.00} was taken from me between chime pay anyone, XXXX XXXX and my cards being added to XXXX XXXX and sent through XXXX XXXX. Ive made XXXX police reports and contacted the person who stole my money and basically was told that the only way Id be receiving my money back was through chime disputes and Ive literally gotten no help just a denial and a no error occurred I do not know these people who had my stuff. I dont know the people that my money was sent to & I DID NOT authorize those charges. That was all my money I had to my name and I need to be refunded so that I can take care of my bills and my children thank you. Ive tried XXXX different times to get to my dispute approved with all the evidence I had or needed to provide including police reports. Just to still get denied. Ive had to call to get chime to fix my dispute from incorrect categories on multiple times
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.
Consumer complaint received 2017-07-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC (NY)

In year XXXX, I had taken a loan amount of {$62000.00} to open up a XXXX in New York. Initially I was delinquent on my payments because my XXXX was n't doing good. In XXXX, I was approached from debt collector company called Green Tree Servicing LLC ( XXXX XXXX XXXX ) and was given the chance to consolidate {$60000.00} of my debt to {$21000.00}. I took the opportunity and paid off the debt in the following two years. I have a settlement letter and bank statements showing that money was taken out of my account. Two weeks ago, I got served with a Foreclosure notice from Debt Collector company XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) requesting an amount of {$62000.00} to be paid off or they will foreclose my home to collect the debt. I want to file a complaint against XXXX XXXX XXXX company for attempting to collect debt that was already paid off.
Consumer complaint received 2023-10-18
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. (TX)

Please review the XXXX signed document requesting the deletion of derogatory/delinquent account. I have been disputing this account for over a year and the bureaus are not taking action to delete the account asap.
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2023-04-07
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, XXXX and XXXX XXXX : acc : XXXX XXXX XXXX acc # : XXXX acc : XXXX XXXX XXXX XXXX acc # : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

I dont believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : acc : XXXX XXXX XXXX acc # : XXXX acc : XXXX XXXX XXXX XXXX  acc # : XXXX After doing so please provide me with an updated credit report reflecting the changes. 


Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX XXXXXXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-06-28
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: Southwest Credit Systems, L.P. (GA)

In checking my credit report, I noticed an improper entry from Southwest Credit System, XXXX XXXX XXXX, XXXX, TX XXXX. Allegedly relating an delinquent XXXX account. 

I do not have any delinquent accounts with Southwest Credit System or XXXX.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX  is reporting an erroneous late on my credit file. I Paid the balance in full but wasn't aware of the annual fee in monthly payments. I do not receive statements or notices and never received a notice about this late payment. On top of that, they also had the incorrect email listed on file so I was not getting anything from them. I have had this account for a long time and have never been late. I am very disappointed about the communication I get from this company especially being that this is something that affected my credit severely. Under the federal mandate you are not allowed to add this late notation to my credit file anyway. I am asking as a long time customer that you remove this XX/XX/20. I was not aware that the annual fee was to be paid monthly.
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (TN)

On Friday, XXXX XXXX, XXXX, I submitted an Identity theft report to XXXX. This account was documented in the Identity Theft report that was provided to XXXX on XXXX XXXX, XXXX. The account in question was for a collection company called XXXX XXXX XXXX for an XXXX account. On XXXX XXXX, XXXX XXXX removed this account. 

On XXXX XXXX, XXXX, XXXX added a collection account from a collection company called Enhanced Recovery Company. Enhanced Recovery Company is attempting to collect the same debt that XXXX XXXX XXXX was attempting to collect which was a fraudulent account documented in the FTC Identity Theft report, the police report. 

Enhanced Recovery Company has never sent me any notification of the debt for me to verify or dispute. I learned the collection through a credit monitoring service. I googled their contact information and called them on XXXX XXXX, XXXX. They claimed to have mailed a collection letter to an address that I have not lived at since XXXX. Enhanced Recovery Company also claims to have called me on several occasions but said Enhanced Recovery Company never left a message.