davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-02-09
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. (CA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to ON TIME as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I have two issues : ( 1 ) I want Nelnet to demonstrate its legal right to my student debt ; and ( 2 ) If they can demonstrate the authority to collect this debt, I want them to return me to the payment plan I am on ( PAYE ) at Great Lakes. 

As of XX/XX/2023, my student loans were serviced by Great Lakes and I was on the income-driven Pay As You Earn ( PAYE ). 

On XX/XX/2023, I received an email from Great Lakes that my loans were being transferred to Nelnet. I received no further communication about the transfer until XX/XX/XXXX, when Great Lakes emailed me to say that my loan would *not* be transferred. Here is the material section of the email from Great Lakes : " Recently, we informed you that the U.S. Department of Education ( ED ) was planning to transfer the servicing of your federal student loan account to another member of ED 's federal loan servicer team. We're now writing to inform you that ED did not transfer your loan account to the other servicer. ED determined that it was not necessary to transfer your loan account. We, Great Lakes, will continue to provide customer service for your federal student loan account. If you are currently required to make monthly payments on your federal student loans, direct your payments to us. '' After that, I received notice from Nelnet that they are now servicing my account. However, Nelnet changed my payment plan *without my knowledge or consent* to REPAYE. 
Between XX/XX/2023 and today 's date, I have sent five emails telling Nelnet that I do not want to be on the XXXX plan. Nelnet has ignored these emails. 

On XX/XX/2023, I called and spoke to a Nelnet agent who ( a ) gave me incorrect and misleading information about loan consolidation, which would have caused me significant harm if I had followed her directions ; and ( b ) said she had taken care of getting the loans changed back to the correct PAYE plan. 

As of today, Nelnet still shows my loans as being on the REPAYE plan. I do not know whether this is because they do not actually have the right to my student debt, or because they are trying to collect more payments from me than my original plan requires. I have informed Nelnet as I have Great Lakes that I will consider switching to the new SAVE plan but have been abundantly clear that I do not want to do so until I can determine whether it is better than PAYE for my situation.
Consumer complaint received 2023-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (TN)

I had purchased a car on a 72 month agreement for a XXXX car that I put XXXX down on thru a dealership. Being as I didn't have credit, I had to accept the highest intrest rate of 29 %. My payments were XXXX a month, which I paid as agreed on time for 18 months. One night I sat down and actually read thru the agreement, did the math and realized I had agreed to pay roughly XXXX for a XXXX car that I put XXXX down on, so... I made the decision to make more on my monthly pqyments by paying XXXX instead of the XXXX each month to get the principal down as quick as possible. I even made a XXXX payment one month. 18 months later, I get in a minor accident but insurance totaled my car. So they paid the balance and I received a check for XXXX. 
The loan was for XXXX. 18 months later ( XXXX ), my balance was XXXX. I then paid XXXX, XXXX, XXXX, XXXX, and XXXX before the accident at which my balance was reported as XXXX. The amount paid by the insurance to the lender XXXX. This is all sitting here in front of me on my credit report. They literally just sat on all the extra payments and did nothing ... Now I'm not sure what's more XXXX XXXX, the fact that they didn't apply the payments towards the principal or that they didnt notify me or refund my money back.They should of done something... Either way that's super sketchy business practices and I wanted to report it. If I'm misunderstanding something or if you need more information to verify the information above, please let me know. The XXXX was Santander and the dealership was XXXX  of XXXX... Both of which I will avoid in the future and would encourage others to do the same.
Consumer complaint received 2022-12-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2022 I contacted XXXX and started a dispute to correct my personal information. I also started a dispute regarding incorrect information being reported on my consumer file. It is now XXXX and none of the request to remove the incorrect information has been corrected. In fact after speaking to a representative I was told that the information I disputed was certified as correct. I will attach copies of my report prior to the dispute, an updated report according to XXXX and my current report I just pulled a few days ago. You will see that the report came back as updated and certified however the information remains the same with no updated information.
Consumer complaint received 2023-03-06
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. (FL)

On my credit profile for my student loan it states that I was 90 days late but there's no 30 day or 60 day reporting on my payment history for XX/XX/XXXX and XX/XX/XXXX. This is inaccurate information and improper use of my credit report
Consumer complaint received 2020-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I contacted XXXX  and ask to dispute the items and also asked for proof of debt by providing me with the contract with my signature on it showing it was my debt. All that was sent to me was " Account has been verified as true and correct ". According to the FCRA I am entitled proof of debt by contract with my signature.
Consumer complaint received 2020-09-29
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)

TransUnion is reporting a Repossession and subsequent charge off that was not in accordance with the law. The following was asked for by XXXX XXXX XXXX XXXX and they never responded with the following ; I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506 EFFECT OF ERRORS OR OMISSIONS 9-611 NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612 TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613 CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. They also changed the terms of my auto loan before the repossession without my consent and increased the monthly amount on the vehicle payment.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC (GA)

Did not receive debt validation letter before creditor sold debt to another lender. Violation of FTC law SS 805a. Unable to pay due to COVID 19 Pandemic- declared disaster. Did not authorize the original creditor to share my personal information. Violation FTC law SS 809 4 & 5
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IN)

I keep getting several phone calls during the work day, when I'm unavailable, but it's once an hour it seems for the past few days asking for a payment when my payment was just made for last month and my next payment isn't due until XX/XX/XXXX, it's XX/XX/XXXX. I'm in good standing and I'm getting irritated by the amount of calls which I'm unable to block since they call from 20 different numbers.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2023-03-06
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. (NJ)

Re : Disputing errors on credit report To whom it may concern : I am writing to request a correction of the following information that appears on my credit report as of today XX/XX/. This information is fraudulent, and I did not make nor authorize for my credit to be assessed. I am the victim of identity theft and do not recognize these accounts. I am requesting that my report be updated immediately to reflect removal of the following accounts and inquiries : 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 2023-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. I have been a Bank of America customer for the last 23 years having checking, savings accounts. I have also a business account with Bank of America for our non-profit chartiable foundation for the last XXXX years. 
2. Last year in XXXX, when I logged into my account, I saw a promotional offer from Bank of America for opening a credit card account. It offered XXXX rewards ponts or {$300.00} statement credit when you spend {$3000.00} during the first 90 days of opening of an account. So, I applied for the credit card in XXXXXXXX XXXX and I got the credit card approved and in mail by end of XX/XX/2022. I charged {$3000.00} to the new CC card for one of our bills due with XXXX XXXX XXXX XXXX XXXX CA and paid the amount the very next month. 
3. After ninety days, my account was not credited with the rewards points or the statement credit as promised. When I called BoA customer service, I was told to submit that I am an authorized person for my business and I did submit that and also a letter requesting my rewards points or statement credit. I called again couple of times, but so far they have not fulfilled their promise.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

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 2020-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (IL)

There are late charges on my account. I want TD Auto to explain why they are on my account. I submitted a request for someone to look into this from customer support, but they have not resolved the problem. I have had many issues with my account when I log in online. My online version seems to freeze and does not allow me to access my statements and other features online. I believe there might have been a data breach. I paid the balance I owed for XXXX in full. Somehow I am already being charged a fee for XX/XX/2020, and it is not even late.
Consumer complaint received 2024-01-24
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. (MO)

I am writing to express my frustration and concern regarding the many unsuccessful attempts to remove a charge-off entry from my credit report. Despite numerous requests and disputes, the resolution process has proven to be ineffective, and the presence of the charge-off continues to adversely affect my creditworthiness.

I became aware of a charge-off entry on my credit report, and since then, I have diligently followed the necessary procedures for disputing and seeking the removal of this negative information. Despite my consistent efforts, the charge-off remains on my credit report, causing undue hardship and impeding my financial opportunities.

I wish to bring the following issues to your attention : Despite multiple requests and disputes, it appears that the attempts to rectify and remove the charge-off entry from my credit report have been unsuccessful. The lack of progress is disheartening, and I am left with a negative mark on my credit history.

Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the dispute and the actions being taken would have provided reassurance during this challenging period.

The presence of the charge-off on my credit report has adversely affected my creditworthiness, making it difficult for me to secure favorable terms for financial products and services. This has resulted in financial strain and limited opportunities for improvement.

I understand that addressing charge-off entries on credit reports is a complex matter, but as a concerned consumer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly.

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the charge-off entry from my credit report. Additionally, I seek clear assurances and a detailed plan outlining how your credit bureau intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$250.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 : OFFICE OF THE ATTY GEN Account 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 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-14
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, 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 an account without my written intrusions.
Consumer complaint received 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.