davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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. (NJ)

15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also state a consumer has furnish an account without my written instructions.

15 1666b : A creditor may not treat a payment on a credit card an open -end consumer credit plan as any purpose. Credit Acceptance reporting late payments with trans union and XXXX  on my report. with the months of this year.
Consumer complaint received 2019-10-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Regional Management Corporation (TX)

Regional Finance has been calling my place of employment. I have already asked them to not contact my place of employment as I am not supposed to receive personal calls at work. The woman I spoke to stated she would note my account however I keep receiving calls from XXXX at work, who is also the branch manager, I know this because he is the one that calls my cell and leaves voicemails. Although he does not directly speak to me at work as I am usually in meetings when he calls, I am always left with a message that a XXXX has called, left no message, said he would call back.
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NJ)

I have a collection account of {$700.00} from the collection agency listed as National Recovery Agency. I have contacted the agency by phone calls, emails and certified mail asking for debt verification and for the account to be removed from my account. I have also disputed this account with the three credit bureaus. I have been unsuccessful and this collection is extremely hurting my credit score and now my livelihood ; I have been denied housing and transportation because of this false account.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, a claim was made against my Chase Checking Account. This was a false XXXX $ claim made after a booked session at my studio where I sound engineer. A week into XXXX, my account and its funds were frozen. The claimant can not be contacted through any information I had from when the session was booked, Chase associates continue to tell me they can not give my any contact information, and that I have to let an investigation process go through. Weve found countless pieces of evidence in which makes the transaction false, the person has not reached out to his own bank let alone myself, and Chase does not seem to care. Its been 2 months now, I am an independent college student with over a thousand dollars frozen in an account that Chase investigators have not seemed to look into at all. In a pandemic, the bank Ive used since my first years of High School will not help and they say the persons bank ( which we found out is XXXX XXXX has not sent any notification back to finalize the claim. All my deposits have had to switch to cash, my bills have been late because of this, and I have been put in countless situations by Chase due to them withholding my entire account.
Consumer complaint received 2023-11-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

I had taken a small loan out for a medical trip for my son was paying on it and close to paying off the company would call every outher day different people offeringnto lower the payments and give me pocket money as well..when asked what would the payments be the " teller '' said they would have to process the application then during the process come to find out he was being trained so he did not know what to do..he refused to show me the computer screen so i could see/understand what was being added.. and also was told i had to sign a digital line so there was no proof of what was being signed vs what was being said.. i have tryed to resolve this and i found out the " teller '' added Collateral that i dont and have never owned..that store has a HIGH rollover of employees
Consumer complaint received 2024-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (UT)

XX/XX/2023 : Received email from Nelnet saying that my tax document is ready to be viewed online. 
XX/XX/2023 : Attempted to view said tax documents online and was not able to log in. Multiple attempts were made with no success despite entering correct information multiple times. 
Attempt 1 : retrieving username : the website says that they can not find my email address to retrieve my username.

Attempt 2 : forced change my password and provided the email address they " can not find ''. I received a code to reset my password and reset my password. I then used the new password to login. Received the same error message " incorrect username or password ''. 
Attempt 3 : tried retrieving my username again. same error as the first try. 

Multiple attempts were made to log in. At some point, I tried retrieving my username again and it finally worked. Alas, it gave me the exact same username I have been entering in all my attempts. I tried logging in again and it gave me the same error : incorrect username or password. 

Nelnet did not mail a physical copy of my tax documents. I tried calling customer service and the automated machine said that my tax documents will be emailed. no tax documents were emailed to me, only a notification that the documents are available on my account ; the account I can't access. 

" Live Chat '' was just as useless because it was a robot and not a real person and offered no help.
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (AR)

Hi im wanting to submit complaint against Ally Auto bank. in XXXX it was considered a total loss, my insurance paid over XXXX. And now Ally is trying to say i owe over XXXX $ and i have my statements from Ally and i owed XXXX that was with my XXXX XXXX statement. vehicle date of claim was XX/XX/XXXX. and my last statement from Ally, dated XX/XX/XXXX that my balance was XXXX $! which is not possible. I've called them, and just faxed em all copies of proof but they have alot of fraud cases, but they are blowing me off. i need to sue
Consumer complaint received 2022-07-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NCP Holdings, L.P. (FL)

XXXX my family members, My mother and father to be specific. When I called them they did not ask me to verify who I was, they gave me my own DOB and asked if that was correct. They could have given out my DOB to anybody who called in since they didn't ask me to verify it. I asked for documentation to be given to me and told me they were not in a rush to send it because I was not interested in paying them. XXXX  me with damaging my credit report if this was not paid.
Consumer complaint received 2021-06-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have XXXX XXXX  accounts, XXXX was with XXXX XXXX  the other was with XXXX  ... both of these accounts were with a collection agency XXXX XXXX. In XXXX of XXXX XXXX XXXX sent in a request to transunion to remove all tradelines on my XXXX account..in XXXX of XXXX XXXX  XXXX sent in a request to transunion to remove all tradelines with XXXX XXXX ... .as of now this has not happened. Both of these accounts are still being reported as derogatory. Spoke to a transunion representative and she stated that there is a dispute and in XXXX I will get my results, I explained that I am not calling about the dispute and that my call was in reference to why these accounts are being reported as derogatory when the request was to remove all tradelines in XX/XX/XXXX and XXXX of XXXX, first stated she didn't see these request, then she did, very confused and was not certain of her statement, i called back XXXX XXXX and asked them if the credit bureaus did an investigation on tradeline remarks being removed and she said no.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (CO)

My ex-roommate has applied credit card with my personal information without my consent, using my social security number, and our address. I discovered it while I was checking my credit report, this person has applied credit using my personal information and he got approved even applying with a wrong birthday. I found out that the XXXX XXXX XXXXK which is the credit company has approved this credit card with a wrong birth day date. when I noticed this suspicious activity on my credit report, I tried to contact the XXXX XXXX XXXX company, and they couldn't help me because the information that I provided to them it was incorrect and they refuse to speak with me while the account verification was not correct ( my birthday. ) However, basically they said that the birthday that I provided them was incorrect comparing the one when the account was opened, therefore they could not provide me any information on the account, and my ex-roommate does not longer live in the United States.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

The chase bank deposit my money with my Prison I'd and ss # card then each time I use card they locked my card .Then had me go into bank with two firms of Id I took my Prison Id and bank card, social security card and 2 addressed letters from county and state.where as the bank won't except prison Id to verify that I was me .So they said they were closing my account and I asked them what happened on 2 payments they were supposed to have paid which they hadn't.The cancelled the electric bill payment for {$1000.00} The another {$1000.00} that was supposed to be cleared on XX/XX/22 which never showed up on card yet was took from account on both cases.Now they said they would close my account and I would receive a check in the mail with in 5 business days XXXX my account was closed but here it is XX/XX/22 and I've not received my money.Chase Bank has caused me a large problem, with electric company and landlord and my mom passed away in AK.last week and I couldn't get there dew to the bank locking me out .Now my landlord is ready to evict me and power company is turning off my power.Food going to go bad I'm going to be homeless but the bank doesn't care about that .I 'm stressed out and it's causing me illness XXXX XXXX
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Screening Reports Inc. (MO)

XXXX  XXXX  notified me of a hard hit against my Credit score when i have not applied for anything. 

Scring rpts on XX/XX/2019 XXXX
Consumer complaint received 2022-02-16
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX  ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Consumer complaint received 2022-02-16
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)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXXXXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Consumer complaint received 2022-02-16
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)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Consumer complaint received 2022-02-16
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). I need to report XXXX  for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Consumer complaint received 2023-09-07
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. (AL)

In accordance with the Fair Credit Reporting act 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 an 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 and consumer credit plan as late for any reason
Consumer complaint received 2021-03-10
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: World Acceptance Corporation (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... WORLD FINANCE CORPORAT XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-02-16
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). I need to report XXXX XXXX XXXX  XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Consumer complaint received 2021-06-14
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. (LA)

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 45 days, so they should be erased immediately.
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TN)

I PAID OFF DEBT FROM XXXX AND CONVERGENT OUTSOURCING REMOVED IT IN XXXX FROM THE CREDIT BUREAUS. 

they just place id back on my account 0n XX/XX/XXXX. I can not refinance my house at this time because of that, I need this resolved asap XXXX
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2022 consumer contacted Transunion via certified mail to dispute & request removal of XXXX XXXX XXXX Account being reported on consumer 's credit profile. This has impacted consumer 's credit worthiness, accuracy, and credit score, taking XXXX points from score causing damage to my score. XXXX XXXX XXXXXXXX responded to consumer via mail on XX/XX/2022 stating they agree to request that their tradeline related to the account be removed and deleted from the credit bureaus. It has been removed from XXXX, but not Transunion and XXXX. Please remove XXXX XXXX XXXX account from all consumer reports and update credit profile with accurate deletion of account associated with the name XXXX XXXX XXXX.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following companies Transunion and XXXX  continue to list a bankruptcy on my credit report. I have contacted both of these companies by phone fax and certified mail. I have contacted then in XXXX, XXXX, XXXX and now XXXX. I have contacted the US Bankruptcy court and they report they did not share this information or nor would they. Where dis this derogatory reports come from? I haven't been able to obtain employment due to this? I have been denied credit due to this. 

This information is incorrect and inaccurate and I would like it to be reinvestigated and removed. 

I also called both agencies this morning without any success. It's still being reported on my credit report as of this morning!