davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act 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. 

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 2018-10-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I transferred the entire balance of my student loan from XXXX XXXX to another loan provider with lower interest rates. The amount transferred at the time was what showed from XXXX XXXX as the entire balance. Several weeks later I received a message from XXXX indicating that I had a past due payment. When I looked at my account history, I saw that interest was applied AFTER I transferred what I thought was the entire balance ( Largest balance shown in the account ). I thought it was deceptive that XXXX did not readily show the entire balance so that I could find out exactly how much I owed. I now have a late fee applied to my account as well as another payment that I did not anticipate.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PR)

In the midst of checking my credit report, I found that information that is inaccurate and I believe it does not belong to me. This has hindered me in the process of obtaining a new home and a vehicle which Im in desperate need of.
Consumer complaint received 2023-10-06
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. (PR)

Try to dispute 3 accounts thats have been settlement and the company have not interest in these accounts. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts still affecting my credit report and credit score. Im a XXXX veteran that wants to by his first home and this accounts are restricted me from doing it. I have try to get them remove from XXXX, Equifax and XXXX XXXX with no results. I did send them letters wrote down and they didnt do anything.
Consumer complaint received 2021-12-06
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. (NY)

I explained it before to Experian about the fraudulent charges committed by XXXX XXXX to me, that affected me negatively on my account producing so many illegal overcharges, that even affected me 3 times to pay on time to XXXX XXXX services I sent the proves and court papers from the FTC to XXXX, and XXXX removed this account from my credit report I sent the same proves to XXXX investigate the case and XXXX removed the account from my credit report I sent more than 14 times this proves to Experian over and over and they were unwilling to remove this account from my credit report Experian never sent any documents about the investigation they dont give me a reason why this account still on my credit report The only credit agencies that listen to me and reply me back on letters were XXXX and XXXX XXXX they found the account inaccurate for the based on the information I provided it about the fraudulent charges and Illegal activities done by XXXX XXXX XXXX do not understand why Experian is the only one from all the credit reporting agencies unwilling to remove the XXXX account from my credit report This is prove with documents, with files and many visual proves but accuse Experian of not making any real investigation 2 mayor credit bureau XXXX and XXXX Did a real investigation and found out that I was right and removed it the XXXX account from my credit report Im tired of Experian They dont send me any documents about all my disputes
Consumer complaint received 2021-06-10
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. (TX)

I filed a dispute with Experian Credit on a fraudulent credit account has been open in my name and submitted documents, and the account is not minds, and they stated the collection agency " XXXX XXXX XXXX  '' stated they verified the account, I never received any Documentation that showed this account is minds,. And the credit bureau " Experian continued to report this account as delinquent as of XX/XX/2021, in the amount of {$1000.00} this is not my account. I have a Credit fraud alert on my account. All I received was an email alert stated they verified this account in a short amount of time within a week, I never received any collection letters from this company or documentation proof of validation
Consumer complaint received 2021-09-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 4 months and I still haven't received any results in the mail and these unverified account still show on my credit report.
Consumer complaint received 2019-08-28
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Account Services, Inc. (NY)

I had a private student loan from XXXX University XXXX XXXX XXXX that I defaulted on. The account was sent to Allied Account Services. Ive been paying the account but certain things were not explained clearly. They are charging interest plus Creditor added fees. I was told by allied that they could collect additional fees these fees were over {$1500.00} on a {$5800.00} debt. I dont think that the original balance reflected a payment that I made before the account was sent to collections. I do not know how they calculate these fees. In addition I am being charged Interest. The interest rate is supposed to be 5 %. My monthly bill does not always have an accurate interest amount stated. For example on XX/XX/XXXX the interest charged was {$1.00} on principal amount {$2700.00}. The creditors fees was {$11.00}. On XX/XX/XXXX the interest was {$220.00} principal amount was {$1800.00}. The creditors added fees was {$62.00}. Why is the interest and creditor fees going up? 

Heres another example : In XXXX XXXX the principal was {$5800.00} the interest charged was {$680.00}. Added creditor fees was {$1400.00}. In XX/XX/XXXX the principal was {$5500.00} interest {$21.00} creditor fees {$1000.00}. 

I requested information on how interest is calculated from Ms.XXXX.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I signed up for TransUnion in XXXX and I didn't need to use their credit report services any longer after accessing my report. I only wanted to check my credit score and I didn't realise I would be billed every month. 

I wanted to cancel the service because I was being billed automatically each month on my credit card. However, I couldn't find information on the website about cancellation. They have a FAQ section on the website but it doesn't contain cancellation information. Due to my work schedule and time zone I am in I'm in I wasn't able to make a phone call to find out what to do. They kept charging me each month and finally, after XXXX searching and searching I found a way to cancel online. 

TransUnion have a hidden page that you can't find a link to on their website, or that I could find in all of my searching. I found the direct link to the cancellation page on a XXXX thread written by other upset TransUnion customers. 

I'm extremely unhappy about my experience. Forcing people to call or search all over the internet to find a way to cancel a service is unfair and discriminates against people who are unable to speak on the phone or navigate the web with ease. 

I ended up being billed for 3 months by TransUnion. I realised after 2 months of being charged what was happening. I don't think it is fair to consumers ( especially who are concerned about their credit scores and don't have access to extra funds ) to create a system that is hard to navigate and find a way out of.
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX, issues hard inquiries on my account on XX/XX/2018, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. I never requested XXXX XXXX XXXX services or authorized them. 
Initially I raised a dispute with Equifax ( Equifax Dispute Confirmation # XXXX ) but aren't of any help. Asked me to check with XXXX XXXX XXXX services. 
Today I called XXXX XXXX XXXX services and they are saying your mobile number is not associated with any of our services and asked me to check with my creditor ( Equifax ).
Consumer complaint received 2021-12-05
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. (VA)

I have looked at my consumer report XX/XX/2021 and I realized that my rights as a consumer were violated. Pursuant to FCRA 15 USC 1681b ( a ) ( 1 ) I have never given the consumer reporting agency any written permissible purpose to furnish any of the accounts that I disputed. Also they have violated 15 USC 1681a ( 2 ) ( b ) by not excluding such accounts that had anything to do with my credit card which is also my security card according to 15 USC 1602 ( i ). I sent a letter to the company explaining their violations and that they must remove any of the accounts that had no permissible purpose or had any association with my social security that I do not want on the consumer report and I have the LEGAL AND LAWFUL RIGHT to do so.
Consumer complaint received 2019-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc. (GA)

I have a money lion investment account with {$210.00} available to withdraw but when I try to transfer it asks for phone number verification code from a text message, which I have a new phone number since I signed up. It will not let me update online. I have tried to call about 10 different times to withdraw my money. I wait on hold over an hour and then a recording comes on about taking a survey and then hangs up. Reviews online show this happens to other people. You are not able to reach an actual person. I WANT MY MONEY THAT I HAVE PAID INTO AND I HAVE NO WAY TO ACCESS IT.
Consumer complaint received 2022-05-03
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. (VA)

Since XX/XX/XXXX XXXX has reported incorrect information. I contacted them ( XXXX on XX/XX/XXXX and I was assured that the information on XXXX XXXX ( XXXX ) wasn't the correct score, but my score was higher in XXXX system and was told to check it there. After signing into my XXXX account the score was the same. Since XX/XX/XXXX I have made ( 2 ) payments and after checking today XX/XX/XXXX the score is still ( XXXX ). I spoke with XXXX and was transferred to XXXX XXXX XXXX XXXX @ XXXX. The CSR name was XXXX @ XXXX ; XXXX and the same statement was told to me that I heard on XX/XX/XXXX. I was put on hold and then the line hung up. XXXX has documented untruthful information and my account with XXXX XXXX, stating I had an increase on my account which was incorrect. It was documented by XXXX and Transunion and that I needed to contact my creditor which I did. I have never been late, always paid more, and paid 30 days in advance since the loan. XXXX  is currently doing an investigation into this. According to XXXX records I'm in good standing and they don't know where this information came from. Transunion and XXXX are reporting the same negative information. I've been 100 % on time with all my payments and pay more that what's due every month and to have a score of XXXX, I need answers.
Consumer complaint received 2019-10-18
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: BANK OF THE WEST (NV)

On XX/XX/2019 I filed complaint number XXXX against Bank of the West. None of the actions described in their response received XX/XX/2019 have been honored. Instead Bank of the West sent me to the collection company XXXX XXXX. XXXX XXXX is incorrectly reporting my checking account as a loan with late payments. All my attempts to contant XXXX XXXX, the BotW representative named in the reponse letter, have failed.
Consumer complaint received 2018-10-14
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)

XXXX, account number XXXX is wrongfully appearing on my XXXX and TRANSUNION credit bureau reports.I have never ordered or used a XXXX account.It is highly probable that it is the result of identity theft.In early XX/XX/2015 my car window was broken and my purse inside was stolen.The XXXX XXXX Police Department came out and  made a report.Inside my purse was all my ID and credit cards. 
I have had this problem on a number of accounts not opened by me.
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting actXXXX 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 instructions.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Advanced Resolution Services Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX SSN XXXX DOB XX/XX/XXXX PHONE : XXXX XXXX XXXX XXXX Advanced Resolution Services XXXX XXXX XXXX. XXXX XXXX XXXX, Ohio XXXX Dear Legal Department, I humbly request a copy of the consumer report from your agency and I ask now for no future late or derogatory information reported by anyone as there has been significant identity theft over the past year. Specifically when I spoke with one of your agents she indicated there was a bankruptcy on my report. Once I receive the report, I will send the appropriate information disputing this account and others. 

Moreover, I request you immediately put a security freeze and alert on my file as well as fraud alert as this Dispute Letter serves as my formal complaint to this agency because you are reporting inaccurate credit account information. Additionally Ive submitted a formal complaint to the Consumer Financial Protection Bureau. 

Policy states. 
According to the FAIR CREDIT REPORTING ACT FCRA Section 168Ic Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Sincerely, _________________________________ Enclosures : Proof of Identity Drivers License and Social Security Card
Consumer complaint received 2018-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

XXXX XXXX has been inaccurately reporting a debt of {$690.00} on my credit report. I have received NO correspondence. I have received no LETTERS nor phone calls making me aware of the debt. When taking a look at my credit report I saw that they were an account on there from XXXX XXXX XXXX when I have NEVER had an account with them. I spoke with account collector XXXX and explained the situation to him. He then became snarky and told me there was nothing he could do and they would sue me and garnish my wages. I asked him to please explain to me what charges were made. He gave me a list of charges in my state, BUT that i did not make. I asked him to then mail me a copy of the contract with my signature. He refused and I got upset and asked to speak with his manager. He then put me on hold and hung up. After calling back three times I finally was connected with the Supervisor and I explained to her that I was on limited income due to a parent being killed and being the sole provider of my siblings. I even had to update my CORRECT address after they had the incorrect address on file for me SIGNALING FRAUD! I stay in apartments where my mail and sensitive information is usually passed around. I explained this to her. Im unable to work due to severe XXXX and live on little to no income. On the website it stated that they would forgive or settle if medically unstable. She only said I could get a 20 % discount. She told me I would have to pay {$550.00} of a {$690.00} debt that I NEVER MADE! She then questioned how I would make the payments. She told me if I didnt have a payment made by XX/XX/2018 I would be SUED! I have sent letters and made calls and no one has gotten in contact with me. It is not fair for me to pay on a debt that is NOT mine and that has NO signature of mine on the contract. Again I am severely and medically diagnosed as being a major XXXX. I only agreed to settle to get this off my credit report. These people are heartless!
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

In XXXX I called US Bank ( the mortgage holder ) to obtain the amount needed to pay off the loan. They provided me the amount and I submitted a payment for that amount. They stated it would take 10 business days to complete the transaction. When I called two weeks later they said that they had not processed the payment and it was sent back due to it being partial and not reflecting the full loan payoff amount. I let them know that I paid the amount I was given AND asked why they wouldnt accept that amount toward the loan and allow me to pay the remainder? They could not answer that. I then cancelled and submitted the payment again ( with the new payoff amount they provided ). Because of this the second payoff attempt, that US bank accepted, was finalized in XXXX. US Bank has reported the XXXX payment as delinquent despite their decision to reject/ not process the first payoff made in XXXX. I have never had a delinquent payment on this account, for the 2+ years Ive had this loan. The only reason the payment was not made in XXXX was because US Bank elected not to accept the payment, which they did not notify me of until I called to inquire. Additionally Ive spoken to US Bank representatives that they themselves did not know partial payments would be sent back. Ive had no luck with getting anywhere with US Bank but do not believe this should be reported as a delinquent payment since had US Bank not rejected a funded payment in XXXX, this would not have been the case.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-28
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. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit