davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-26
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. (TN)

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, 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 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 2023-02-25
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. (IL)

After ongoing disputes, XXXX and Transunion have reported inaccurate information to my credit file. I have recorded and expressed several complaints regarding the inaccuracies, and are willfully reporting information that is harmful to my ability to extend my credit. I have attached and highlighted the inaccuracies in my credit report in the attachments.
Consumer complaint received 2024-03-14
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. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report.
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CT)

On XX/XX/XXXX, I received a letter from Nelnet, regarding repayment of a student Loan, that would resume in XXXX. I called XXXX on XX/XX/XXXX and spoke to XXXX from customer service, who informed me I owed the DOE XXXX XXXX dollar ( {$9000.00} ) for a consolidated loan from XXXX. I am a XXXX XXXX XXXX and I didn't take out a loan in XXXX. 
However, I did file a complaint against XXXX XXXX XXXX in XXXX, PA for Social Security fraud, over an eight year period, in which, they took XXXX XXXX dollars - ( $ XXXX - garnished from my SSI check. Also for blatant acts of XXXX XXXX from XXXX thru XXXX of XXXX and XXXX. It was then, that I realized XXXX XXXXXXXX XXXX, used a XXXX XXXX dollar loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa and turned it into their XXXX XXXX  over an eight year period.- from my SSI check, an overpayment of XXXX XXXX dollars or more. 
They also changed my User ID to a XXXX logo I used.
Consumer complaint received 2022-12-20
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; 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
Consumer complaint received 2023-01-21
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. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX XXXX 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 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. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XX/XX/2023 To Fifth-Third Representative, XXXX XXXX XXXX This is a response to a letter I received on XX/XX/2023, notifying me that my mortgage loan was to be paid in full. This letter is in direct conflict to the previous agreement crafted by XXXX XXXX XXXX representative and 5/3 representative XXXX. In that agreement, I was to pay around {$2300.00} by XX/XX/2023, at which time my mortgage would be reinstated at its original monthly payment. 
I am prepared to make the payment as agreed upon my XXXX the XXXX and 5/3. I am open to speak with anyone to resolve this issue immediately. You may email me at XXXX or call at XXXX. 
Respectfully, XXXX XXXX
Consumer complaint received 2022-12-20
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: VW Credit, Inc (IN)

In accordance with the fair credit Reporting Act VW Credit XXXX Account # XXXX, XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid 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: CITIBANK, N.A. (PA)

I purchased a hotel and sports ticket package with my citi MasterCard from XXXX in XX/XX/XXXX for a football match taking place in XX/XX/XXXX in XXXX, XXXX. The amount of the purchase was {$490.00}. XXXX XXXX was liquidated in XX/XX/XXXX and I did not receive any tickets or hotel stay. I immediately disputed this charge with Citi and they have denied my dispute twice.
Consumer complaint received 2024-02-21
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. (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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, DEPT OF ED / XXXX : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX  : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-01-30
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. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX bank closed my checking account and blocked my access to my mobile banking and online banking account, information, atm debit card. 
XX/XX/XXXX called the bank to find out why I couldn't access mobile app. was told of a mobile check deposit that didn't clear for {$990.00} XX/XX/XXXX mobile check deposit for {$990.00} into my bank account by online loan company I was applying for a loan through XX/XX/XXXX went to my bank in person asking if a deposit was made for {$990.00} and the teller said yes and that it had cleared did I want to withdraw on it and so I did and sent the money back to the online loan company in a gift card as instructed. Was told by the online loan company that this was the verification process to see if it was my bank account as I said My bank said there was another mobile check deposit attempt on XX/XX/XXXX for {$990.00} which I was not aware they were going to do that again, they had left me messages but I was working and did not see them until next day and did not reply. By this point the bank must've been flagging my account but never notified me or contacted me other than an email saying they received a mobile check deposit on my account. 
This was my only bank account and I have lenders creditors that I pay monthly electronically from this account. The bank was not very helpful other than telling me what went wrong. When I went in person the teller said it was cleared and let me withdraw the money. Then the bank tells me it was clear, then not cleared.?????
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (TX)

Companies have not complied with Identity Theft laws, procedures, statutes, codes and rules, to block delete remove information within XXXX business days - complaint # XXXX, XXXX and XXXX
Consumer complaint received 2019-01-19
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. (IN)

In light of new documentation received by XXXX  regarding disbarment date for the entire life of these student loans Acct # Remove Late Payments & Correct Complete Payment history for these accounts ( Open to close ). Please make sure these are update to show ( NR ) as paid on time and ( ANY LATES ) to paid on time for each and every month. Thanks For each and every one of these loans, this payment dates look pretty much like it does below I know its a lot and I apologize you had to be the one to get this, but thanks in advance for doing this correctly. 
( Accounts with late payments ranging for ( XX/XX/XXXX-XX/XX/XXXX ), which were covered, under either a deferment, forbearance or grace period. As proven via XXXX XXXX XXXX   disbursements )
Consumer complaint received 2019-12-12
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)

I have requested from XXXX XXXX the promissory note after sending a goodwill letter to them and have not been furnished anythings for 4 different XXXX  XXXX student loans listed on my credit report. Additionally I was requesting from them a request of debtness from all of these loans that they have been reported to my credit file. Additionally, There are several 30, 60, 90, and 120  day lates, but I am currently on income driven payment plan and have been for years. I feel there is a lot of confusion and a lack of follow through on fed Loan servicing side and I need help to exercise my rights.
Consumer complaint received 2024-02-21
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. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
This account : 1. XXXX XXXXXXXX XXXX XXXXXXXX - XXXX
Consumer complaint received 2022-10-20
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. (LA)

in accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

This is with reference to my Chase credit card account ending in XXXX, which has a XXXX  balance and no activity since XX/XX/2019. 
I tried multiple times to transfer its full {$5100.00} credit line to my other Chase credit card ending in XXXX with no success. 
First time was on XX/XX/XXXX, after exceeding 60 days with a XXXX  balance and no activity on the account ; I called in customer service and requested its full credit line to be transferred to my account ending in XXXX. My account was closed and I was not advised that a {$500.00} residual credit line was left on my account ending in XXXX and not transferred to my account ending in XXXX. 
I then complained on XX/XX/XXXX by calling in and requesting the residual {$500.00} credit line to be transferred to my account ending in XXXX. After talking with a supervisor and with an agent from the credit lending team, they failed at attempting to process my request. They first reinstated my account ending in XXXX to its original {$5100.00} credit line and then tried to peform a full credit line transfer to my account ending in XXXX. However, the system made them left a {$500.00} residual credit line on the account ending in XXXX. I was eventually advised by the supervisor to wait until my next statement would close in a few days in XXXX and give it a try again. 
I did so and called in again on XX/XX/XXXX after my statement had closed. I spoke with a customer service agent, then a supervisor and a credit lending agent. The credit lending agent apologized and advised me that she could not transfer the full credit line because of how the account ending in XXXX was set up. I complained as this had nothing to do with me. The supervisor stepped in and as much as he tried to help me, he could not do so, and understood my position to escalate this issue to have a proper resolution. 
After all, my intent to have my full credit line transferred from my account ending in XXXX to my account ending in XXXX was for a good purpose : to upgrade the latter account ( a Sapphire Preferred card ) to a Sapphire Reserve card, which needs a minimum credit line of {$10000.00}. 
Unfortunately I need the full {$5100.00} credit line transfer to exceed the {$10000.00} minimum credit line needed to have my account ending in XXXX upgraded to the Sapphire Reserve card. 
I find unacceptable that the bank is unable to perform the full credit line transfer because of how the account is set up, which is responsibility of the bank and not mine. 
Moreover, I find even more puzzling that nobody at the bank can manually process my request when the system keeps preventing them from doing so with no reason at all. The agents were also puzzled as in their experience all accounts with a XXXX  balance and no activity for over 60 days could have their full credit line transferred to another account with no issues.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

My credit reports ( XXXX, XXXX, and XXXX  ) show a balance of {$4900.00} for a repossession of a car that was owned by my daughter. The payment history for each of the credit bureaus is not reported consistently. Also, I have a document showing the balance was approximately {$2900.00}, two months after the repossession and prior to the sale of the vehicle. I would like all documentation from the creditor to be provided.
Consumer complaint received 2023-02-25
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-25
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. (VA)

1. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 2. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 3. XXXX XXXX Account # XXXX {$1000.00} Wrong Amount 4. XXXX XXXX Account # XXXX {$330.00} Wrong Amount 5. XXXX Bank XXXX Account # XXXX {$450.00} Wrong amount 6. XXXX XXXX XXXX Account # XXXX {$800.00} Not Mine 7. XXXX XXXX XXXX Account # XXXX Paid and was suppose to be removed 8. XXXX XXXXXXXX XXXX Account # XXXX Paid and was suppose to be removed 9. XXXX XXXX Account # XXXX 10. XXXXXXXX XXXX Account XXXX XXXX {$430.00} Wrong amount 11. XXXX Account XXXX XXXX {$430.00} Wrong amount 12. XXXX Account # XXXX Paid and was suppose to be removed These accounts has violated my rights : 15 U.S.C 1681 Section 602 A - 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681s2 ( A ) ( 1 )
Consumer complaint received 2023-02-25
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)

n 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 Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.