davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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: 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, 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 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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. 

Account name : 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

About a year ago I discovered I had been a victim of identity theft again when I found an auto loan showing up on my credit report with Bank of America that does not belong to me. My personal information had been used to obtain credit cards and loans without my knowledge. I immediately filed a report on XXXX and sent a copy to all the major credit reporting agencies and the original creditor. They took the item off my credit report but found it to be placed back on recently. I once again contacted the credit reporting agencies and Bank of America directly but they have not responded to my request to remove the item.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account # XXXX Source of dispute information : XXXX XXXX XXXX Date Associated with Late Payment : XX/XX/2020 This account is now closed. However I noticed XXXX late payment that is erroneous. 

This item is innaccurate because the CARES AcXXXX provided protection to consumers who were negatively affected during the XXXX pandemic. The XXXX late payment occurred during a forbearance period and according to this ACT, the creditor allowed me to temporarily pause my payment. 

This adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit history. 

Thank you for your assistance.
Consumer complaint received 2022-04-15
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

Last year, XX/XX/XXXX I received notice from Nelnet, my XXXX loan provider stating that my loan was going into the repayment status and that I needed to make a payment by XX/XX/XXXX in the amount of XXXX which I did immediately. However, shortly thereafter I began to receive late notices from Nelnet. I then called the XXXX XXXX money order phone number and verified that the money order had been cashed by XX/XX/XXXX, but it wasn't applied to my account. I then made several attempts to reach Nelnet both by telephone and email, yet I could not a live person on the phone at any time, just an " AI chat. '' would reply with a vague message, it wasn't helpful to me. As time passed the late notices continued. I then proceeded to file a complaint about a month later through the XXXXXXXX XXXX loan website, but to no avail. Their system has issues too! During the course of this time the XXXX  government had issued an additional program labeled " on-ramp '' where the student loans would not be reported to any credit bureaus until XX/XX/XXXX, clearly that is not happened in my situation. I felt that I was being ignored at that point so in XX/XX/XXXX I submitted a complaint through the XXXX XXXX XXXX, but I was told by them via email that they also tried to contact Nelnet, but Nelnet never replied to their query either. I needed someone at Nelnet help assist with a repayment plan as I was injured in a car accident last year and could not make regular monthly payments because I had not been able to work full-time since the accident occurred, but since they fail to any answer calls with live representatives that just adds insult to injury in my opinion. I have tried tirelessly to get this resolved since last year. I end up right back where I started with it, being reported late every month, and my credit is taking a beating because of it!
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

My complaint against Equifax is that they consistently report my credit score as 60-80 points LOWER than the other reporting agencies. I have tried disputing incorrect information on my Equifax but they either confirm the information ( new creditor who purchased old debt that should have been deleted ) or they refuse to let me dispute the old information. Equifax 's inability to report fairly and accurately is problematic for ALL individuals. Along with their data breach, they've shown themselves to be unable to provide trustworthy service while continuing to charge creditors for their services.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (IN)

I AM THE VICTIM OF IDENTITY THEFT I AM THE VICTIM OF THE XXXX XXXX DATA BREACH I AM DISPUTING THE XXXX ACCOUNTS OPENED ON OR AROUND XX/XX/XXXX THROUGH AUGUST 0F 2018. 

I DID NOT OPEN OR AUTHORIZE DISCOVER BANK TO OPEN A CREDIT CARD ON XX/XX/XXXX AS OF THIS LETTER I HAVE FILED MY XXXX FTC AND POLICE REPORT OF XXXX. 

I HAVE ALL THE PROOF THIS IS NOT MY ACCOUNT- DISCOVER IGNORES THE EVIDENCE. 

THE POLICE HAVE AN ALLEGED SUSPECT ALSO. 

PLEASE REMOVE FROM MY CREDIT BUREAUS IMMEDIATELY.
Consumer complaint received 2023-06-27
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-17
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. (MI)

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. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Accoun Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : 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 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 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (LA)

I made a {$500.00} payment to Comenity Bank for my Mastercard account. Payment was made XXXX and the check cleared XXXX, endorsed by a person with Comenity Bank. My subsequent statement did not reflect the payment and also included a {$41.00} late fee. I submitted a dispute letter including a copy of the cleared and cancelled check from my bank. Last week Comenity responded by saying the check was deposited in a different bank/company without providing any specific details. I remain at a loss of my {$500.00} plus the {$41.00} late fee. I will be submitting yet a second dispute letter to Comenity Bank but I need assistance at this point since they are not being responsive.
Consumer complaint received 2023-06-27
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

I've Been Working With A HUD Counselor On Modifying My Existing Home Mortgage With SPS Inc.Since XX/XX/XXXX, And My HUD Counselor With XXXX XXXX. In Minneapolis Has Been The Non Profit That's Been Helping Me With Filling Out The Forms That The Mortgage Company Has Been Sending Out to Me. I Found Out That They Had Started Foreclosure Proceedings On My Home.I Was Told By MyHUD Counselor & The MN Dept. Of Commerce & The MN Attorney Generals Office That They Broke A Federal Law By Starting Foreclosure Proceedings Without Modifying My Homes Mortgage. I've Been In My Home For XXXX. & I Don't Plan On Letting Some Crooked Mortgage Company In XXXX XXXX XXXX, Utah Steal My Home. I Was Told By My States Attorney Generals Office Here In Minnesota To File A Complaint With Your Office As Well I Did With His Office. I Also Filed A Complaint With My Dept. Of Commerce Here In Minnesota As Well & They Also Told Me To File A Complaint With Your Office As Well. The AG 's & MN  Dept. Of Commerce Office Is Sending Mortgage Company A Warning Telling Them To Stop The Sell Of My Home On XX/XX/XXXX Until The Mortgage Has Been Modified.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

In XXXX of 2022 Citizens Bank, where I bank, offered a " Cash Back + '' credit card with the following perks. {$200.00} cash back bonus after charging {$500.00} in the first 90 days, plus another cash back bonus for the cost of a TSA PreCheck up to {$100.00}. I completed both of these tasks within the allotted time frame, charging {$800.00} on XXXX XXXX and purchasing the XXXX XXXX on XXXX XXXX. To date I have only received one of the promised awards, the {$200.00} for charging {$500.00}. it has been nearly five months and I have not received the {$85.00} for the TSA PreCheck. I have visited the branch several times and sat with them as they had a live chat with credit card customer service at which time they stated they would apply for the rebate to my account. I also called customer service and experienced long waits on hold then when a person finally answered we were cut off half way through the conversation. This happened twice. Before I was disconnected the representative told me I did not spent the required {$100.00}. It only cost {$85.00} to acquire the TSA PreCheck and further it states on the enclosed flyer that you get " up to {$100.00} '' it says nothing about haveing to charge at least {$100.00}. It has been over three months since the local branch employee had the live chat and still nothing has been applied to my account. I am attaching a copy of the offer, although it says expired on top it was active when I applied for and received my card.
Consumer complaint received 2023-02-21
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. (VA)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting XXXX  % correct. In accordance with the Fair Credit Reporting Act, everything has to be XXXX % accurate on my credit report and under 15 U. S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reportinXXXX XXXX  % accurate.
Consumer complaint received 2023-04-19
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: National Credit Systems,Inc. (NC)

I received a letter from CFPB stating that this claim was closed to protect my privacy because you all did not think this was me. The claim that i am not trying to fix my own credit using my own resources and knowledge is frivolous as it does not make sense due to the fact that during the initial submission of the original complaint, I selected that it was me submitting the claim on behalf of me, so how do you send a letter saying that it's not me. How can you deny me a proper investigation or research but not approach the furnisher of data with the same efforts. I have sent multiple written letters sent via certified mail to the original creditor XXXX XXXX XXXX asking for verification of this debt, I've sent multiple letters asking for verification of this debt to the current collection agency NATIONAL CREDIT SYSTEMS and have not received a response. I have proof and documentation of all communication to each of these individual companies and not one of them has provided me with the proper documentation that verifies this debt is mine as i have continued to express THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY DUE TO BEINT FRAUDELENT ; I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; I have been in contact with all 3 credit reporting bureaus and was able to successfully have this account deleted from XXXX due to it not being able to be verified as mine however XXXX and XXXX Continue to state that the account meets FCRA guidelines and the account has been verified. NATIONAL CREDIT SYSTEMS has never proved this debt belongs to me legally, as to why it was removed from XXXX, so please explain to me how it is still being verified as mine with other agencies if data furnishers are required to submit the same accurate information to each bureau.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/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 2020-02-19
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: Experian Information Solutions Inc. (GA)

They are reporting incorrect information for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They are not reporting the DATE OF LAST ACTIVITY on either of these 2 accounts, and will not delete them. I will seek legal action if not removed. They also refuse to honor other disputes. The website is only set up to dispute once.