davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
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 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 2020-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I had consolidated my student loan back in XX/XX/XXXX, for XXXX and lost my in XX/XX/XXXX. My servicer was Nelnet I was only offered a forbearance which I did not know it racked up interest and fees and fell even more behind. My taxes were withheId numerous times from Dept of Education I filed for Bankruptcy in XX/XX/XXXX and XX/XX/XXXX trying to get caught up but never did. Fast forward to now My loan was transferred to XXXX. They tried to garnish my wages for an amount of XXXX. I have asked for a statement to see how payments, interest and fees were applied and only got partial years. I went to Dept of Education Ombudsman and was told that Nelnet refuses to let me have a statement of how my loan was processed, they say that they can not release confidential codes so I must trust that the number is correct or supply a statement myself to dispute the charges I cant believe that I do not have access to my payment records or how interest and fees were calculated and just flippently say it looks right to me.
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. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-05
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. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 ( b ) ( a ) ( 2 ), 15 USC 1681s-2, ,15 USC 1681 section 602 ( A ) ,15 USC 1681 604 ( 2 ) : XXXX ( no account number available ) XXXX XXXXXXXX Bank NA ( no account number available )
Consumer complaint received 2022-06-05
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. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 ( b ) ( a ) ( 2 ), 15 USC 1681s-2, ,15 USC 1681 section 602 ( A ) ,15 USC 1681 604 ( 2 ) : XXXX ( no account number available ) XXXX XXXX XXXX  NA ( no account number available )
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was reported deceased illegally trought all XXXX credit report agency unlawful activity was use on my credit report company using my name to XXXX credit or file for insurance funds stated I was reported deceased an my date of birth was illegally change incorrect information cause me to lose money debt card company Data Base so I never could contain a XXXX XXXX due to this incorrect information I requested everything should be removed deleted off my report I am not deceased I am alive now I'm a victim of identity theft stolen employment funds stated of Alabama denied my employment verification received payment due to my XXXX XXXX I was born in 1984 false information to all credit bureaus force me to have no credit an lose money an benefits
Consumer complaint received 2022-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This was not sent in error, I am XXXX XXXX a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information plus I will be seeking monetary compensation.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (GA)

I would like to file a complaint regarding entries on my credit report which is a violation of FCRA 1681i and 1681n : " # # # Relationship and Comparison with 1681i and 1681n 1681e ( b ) is closely related to 1681i as both sections deal with the accuracy of credit reporting. However, 1681e ( b ) is more about the general obligation of consumer reporting agencies to ensure accuracy in their reporting procedures, while 1681i provides specific steps for handling disputes over inaccuracies. On the other hand, 1681n can be seen as a broader enforcement mechanism that applies to violations of any FCRA requirements, including the accuracy standards set forth in 1681e ( b ) and the dispute resolution procedures in 1681i. Essentially, 1681e ( b ) sets the accuracy standard, 1681i provides a process for contesting inaccuracies, and 1681n offers a remedy for willful failure to comply with these and other requirements. '' XXXX XXXX is reporting different amounts with XXXX reporting agencies ( XXXX, XXXX, and XXXX ) which is having a negative impact on my credit. I have tried to get this resolved with the company without success. As a result, I would like to have this account removed from credit report.
Consumer complaint received 2022-06-05
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. (NV)

Experian did not show proof on how they verified the following account : XXXX, after 6 disputes and has not validated this account. They have not provided proof of even starting the investigation or providing proof of who they spoke to to verify this account. I have sent multiple disputes to Experian certify with receipts and they have still ignored every single letter and continue to falsely report the following account. Experian is the only reporting agency reporting this account. It has also been over 30 days since the investigation with no changes or response. I have attached the previously letter sent out XX/XX/2022 with no response.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

I CALLED AND LET THE CREDITORS KNOW I WAS SICK AND COULD NOT MAKE PAYMENTS, HOWEVER THE ACCOUNT IS CLOSED BUT THE LATE PAYMENTS IS AFFECTING MY PYMENT HISTORY PLEASE TELL CREITOR TO REMOVE LATE PAYMENTS
Consumer complaint received 2019-08-05
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this.
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 — Account status incorrect
Company: Nelnet, Inc. (MA)

PLS NOTE I PAID OFF ONE OF TWO STUDENT LOANS IN FULL XX/XX/2014 THE SERVICE PROVIDER WILL NOT MARK THE LOAN PAID IN FULL AND IN CORRECTLY NOTES BALANCE OF XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC (CA)

I would like to say since my loans were forgiven and discharged for attending XXXX XXXX XXXX. It was also said the private loan like student cu connect was ordered to call credit bureaus or send a statement telling them to wipe off student cu connect of my credit report. Student cu connect is still on my credit report and it was also said student cu connect was supposed to reimbursed all money that was made as payment to student cu connect. I still see them on XXXX credit reports and I still have not received reimbursement. How can I submit a claim. 
I have not contacted them because I have no known phone number to speak to someone from that institution.
Consumer complaint received 2024-04-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC. (WI)

I am writing regarding the above-referenced case, no XXXX was provided to the SSA. and a debt that SANTANDER CONSUMER USA Has failed to validate. I believe their collection efforts violate my rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. SANTANDER CONSUMER USA has sent several collection letters but failed to validate the debt as required by Section 809 of the FDCPA. 
I returned XXXX letters under Section 809 ( b ) as " insufficient correspondence '' and disputed the debt/requested validation and arbitration under Section 809 ( a ) after their third letter this XXXX of XXXX  Yet Santander Consumer USA did not respond within 15 days as mandated. 
VIEW EXHIBIT A, B, 7, 8, 9 Despite not validating the debt, SANTANDER CONSUMER USA now threatens repossession in violation of Section XXXX of the FDCPA and has accelerated collection efforts without proving the debt is valid and owed. 
VIEW EXHIBIT E, G I have disputed the debt and requested arbitration three times under Section 809 ( a ), but Santander Consumer USA has failed to acknowledge or engage in arbitration. 
VIEW EXHIBIT E ( 1 ) E ( 2 ) As SANTANDER CONSUMER USA. has not followed the debt validation procedures outlined in Section 809 of the FDCPA or engaged in arbitration as I have requested by XXXX three times each, any further collection or adverse reporting of this debt would also violate FCRA Section 611. I respectfully request that the Court order SANTANDER CONSUMER USA HOLDING INC. to validate the debt within 4 days or cease collection efforts against me if they are unable to validate it in accordance with the FDCPA and FCRA. 
VIEW EXHIBIT Z ALL RIGHTS RESERVED Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (FL)

On XX/XX/2022 as I was applied for a XXXX card and got denied. When I called the company to find out why did I got denied for credit, they told me that I have a collection into my credit. Than when I called credit reporting agency and got my report, found out Southwest recovery had place a collection in my account which is I was not aware off. than I called them to find out why they where reporting me to the credit bureau, and they had told me I signed up to received credit card for my company. I told them that they mistaking me for someone else because for the life of my business I have never accepted credit card that it was not me. they sent me a contract that was supposed to sign by me and I told them someone had done that, it was not me. they still don't want to take it off. So I am asking your to help me with this. 
their number is XXXX please let me know what can your do
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (OR)

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX but it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-12-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (NV)

I spoke with multiple representative 's to return or exchange the vehicle and I was forced to stay in the contract, i also spoke with my financing company in regards to being unhappy with my purchase and nothing was done. from what i know the contract is illegal as I Stated in the previous complaint, Exeter Finance and XXXX broke my consumer rights ( 15 US Code 1602 H, 15 US Code 1602 F, 15 US Code 1635 B, and 15 US Code 1692 ). Lies and Deceit by Forcing me into this Retail installment contract and maintenance Contract.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (OR)

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX but it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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. (GA)

Hi I am submitting this 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 n 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (IL)

Cross Country Mortgage made my home buying experience one of the worst experiences of my life. I was told that my taxes would be fixed to reflect that my property is my primary residence. Instead my mortgage was increased due to taxes within less than a year and I have yet to receive my exemption. I was told time and tone again that getting my tax exemption would not be an issue, but apparently that was a complete lie. Also as a first time buyer I didnt receive any grants. My down payment amount increased several including the day of closing. I wouldnt recommend anyone to use their services.
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: Experian Information Solutions Inc. (NJ)

The unverified accounts listed below are reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus neeed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-11-26
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: CITIBANK, N.A. (IL)

XXXX XXXX XXXX Membership no : XXXX Credit card no ; XXXX And XXXX I have been a member of Costco for a long time. I used XXXX card and had no problem with the rebate or credit card. 
After Citibank took over, my Costco credit on personal name was transferred to Citibank Costco Visa card on my personal name as it is and credit limit was XXXX approximately. 
I charged Citibank Costco visa at Costco warehouse and collected the money from customers and deposited in my account at Citibank branch on XXXX XXXX in XXXX, and paid my credit card balance so credit available right away to charge again.Citi bank always called me how I do my business. I provided them all the answers and whatever papers needed them. I always asked them if everything is ok. The answer was that everything is fine. 

After a few months, my citi bank account was closed and I was told that I could not use this account to pay my credit card. 

Then I used my business account XXXX bank by using their debit cards to pay credit card balance. By using debit card, I was able to get my credit available right away to charge my card again at Costco. 

After a few months, the citi bank called me to verify how I do business and how I pay and what method I use. I explain to them to each and everything. I asked them everything is ok and was told that you are fine and not to worry. 

Then all of sudden my Citibank Costco Visa card was closed and forfeited my 2 % cash reward {$26000.00} appro The Citibank Sent me a letter stated according to the terms and conditions of the agreement. They did not specify which agreement I have violated. 

I came to know that one wholesaler whose card was on his business was also cancelled and forfeited his 2 % cash reward which was much bigger than mine After talking to Costco employees, there are a lot of card members who are using their personal cards as well as family members Citibank Costco Visa card for businesses and get 2 % cash reward. 

I promised my XXXX XXXX  kids-XXXX and XXXX will buy bedroom sets and their wishes will be fulfilled when I will get check next year. Their dreams are shattered and when I told them that I wouldnt be able to buy anything for them. 
These kids started crying. No parents want to see tears in their kids eyes. 

I was always told by Citibank that I was fine and doing the right thing. They have never warned of anything but always told me thanks for business. 

The Citibank is huge bank and I could not afford to hire a lawyers because his fees will eat my 2 %. Cash reward. 

Sir I sincerely wish if you could help my kids to fulfill their dreams If you need anything from me, pls call XXXX or send an email XXXX I can also emai you a letter received from Citibank. 

Thank you XXXX XXXX