davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I Contacted the Credit Report Agency, to dispute, collection with XXXX, I explained I didn't get any service o bill from them, I started my services with XXXX in XX/XX/XXXX at XXXX XXXX XXXX, XXXX Pa XXXX, in XX/XX/XXXX I moved to XXXX XXXX XXXX XXXX, PA XXXX and immediately I moved my XXXX service to my new address, so I explained them, but they said the serves as verification, so I don't understand, how the made the investigation. I solicited any proof I get any service or bill from XXXX, but the never sent. Also the other Collection with XXXX, I never get any service or bill from them, I moved to Pennsylvania in XX/XX/XXXX, I called them asked what kind emergency and symptom was, and the report they only said XX/XX/XXXX, I try to contact them severe time. I contact the Credit Report Agency ( XXXX   and TransUnion ) but, they still have those Collection on my record, is no fair the Agency make money selling my information, and don't make any effort to verified the Collection are right, so my history report with all my credit account ( open or closed ) are never late. So they need to be sure the Collection report are true
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northland Group Inc (TX)

I am a victim of identity theft by a family member, who is now dead. I have written several letters to XXXX about this matter. They refuse to believe me. They hired a debt collector to come after me, and I sent THEM the information, and they sent a letter saying they did not know that I had disputed the debt, and they did not pursue me further. I wrote ANOTHER letter to XXXX with supporting documentation. I sold jewelry, and made an offer of settlement though I DO NOT owe them any money, but I just want this over. They did not respond to my offer, they just sent another letter, from XXXX XXXX of the Executive Response Unit, and she said they will no longer respond to me in any way, and they have hired ANOTHER debt collector to come after me -- Northland. I have not yet heard from them directly. I suppose that they will keep hiring collectors, or even sue me. This letter even referenced a second card number, that I never had. I am in poor health and the stress has caused several XXXX XXXX.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below in my complaint has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX  XXXX XXXX # XXXX Account Name : DESIGNED XXXX XXXX # XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2022-10-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

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. 

Here are the inquiries on my Equifax : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  # XXXX XX/XX/XXXX These are the fraudulent inquiries on my XXXX : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX BANK XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( XXXX ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/22 I got a pre approval fro TD bank with a XXXX present transfer fee XXXX percent for XXXX mo.okay I get the bill and charge me the XXXX persons in my payment XXXX fee plus the payment minimal total of XXXX they said they disclosed it they did not and if they did talking very fast that I did not comprehend I have transferd from other credit they always put in the remaining balance never up front they play tricks in there transactions
Consumer complaint received 2019-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OLD NATIONAL BANCORP (MN)

My father had a checking account at Old National Bank. He passed away unexpectedly on XX/XX/2019. The bank was aware of his death on or around XX/XX/2019. On XX/XX/2019 I went to the Branch location in XXXX, MN and spoke with a senior branch employee and requested the account be frozen immediately and that no transcation be processed on the account. My dad was receiving social security and a pension from XXXX. The payments for XXXX were going to be deposited but would be clawed back due to the date of death and timing of when automatic payments are deposited into the account. I told the bank that money was not be used and would need to be returned. I was called the following day and assured the account was placed on hold and no transactions would be processed. On XX/XX/2019 and XX/XX/2019 the bank took the funds from the checking account and applied to ( 1 ) an unsecured LOC at the Old National and ( 2 ) a mortgage and LOC at Old National Bank secured with my father 's home. Their are now insufficent funds in the account to repay the MSRS and I am being asked to repay this money. The banks actions were very deceptive and caused me and my Dad 's estate significant harm. Had they told me they would process payments to themselves, I would have immediatly opened a probate and taken possession of the assets. I relied on their statements to my detriment and now being asked to payback funds that were not my Dad 's and I do not beleive the bank had a right to take. There are priority debts that need to be paid out of the estate. These mortgages although still due are not priority. In addition, there is a co-borrower on the loans who is still responsible to pay the debt. The bank did not attempt to collect from the co-borrower before taking funds out the bank account that is now property of his estate. I have asked the bank to reverse these transactions and they refuse. In addition, to these transactions they also processsed other ACH payments out of the account after the bank was notified of his death and I was assured the account was frozen. I feel as though the bank acted for their benefit while being Unfair and Deceptive. I relied on their assurance and have been harmed both financially and emotionally due to the stress and circumstances of this situation. I took every action I could up front to avoid this from happening and the bank did not honor my requests in order to exploit my deceased father 's bank account.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

My boyfriend wanted a French bulldog, he found one on  XXXX. I was skeptical but due to the fact his birthday was on XX/XX/XXXX, I gave in. On XX/XX/XXXX I initiated the payment for the French bulldog on Chase XXXX XXXX for {$400.00} then an addition {$200.00}. The price of the dog was {$600.00}. I am a XXXX  and keep cash on me. I had {$400.00} in my bank account and had to go to the ATM to deposit the rest of the funds. Following the payment the seller sent me a tracking number which seemed to look legit however when I called the agency that was supposedly shipping the dog it was a XXXX  number. I told my boyfriend, but he still wanted to follow through. As the dog supposedly had reached XXXX XXXX XXXX airport being flown from XXXX the agency shipping the dog emailed me saying they needed {$550.00} for an AC ventilated crate. The dog could not fly without it and upon the dogs arrival I would be refunded my {$550.00} back. I sent the {$550.00} and have not heard from the agency nor seller. I called the seller numerous times to now figure out he was calling me off of a XXXX XXXX app number. He always answered the phone so Id never heard the voicemail. I went inside the bank report fraud and the bank representative I talked to called the claims department. I was told that XXXX does not have buyers protection so there is no way I can get my money back. The banker still told me to file a claim so its on record and to see what they said. I filed and they talked to the sellers bank but he had already closed the account so they could not recover my funds. I was left with no solution of getting my {$1100.00} back.
Consumer complaint received 2018-12-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Enterprise Systems, Inc. (PA)

Calls to my home phone that are not my debt ... I DO NOT HAVE A DEBT FOR COLLECTION ie : Date of call Number listed 24 hour clock XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX They were advised to stop calling however does the above show that??????
Consumer complaint received 2023-04-03
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: ALLY FINANCIAL INC. (GA)

To whom it may concern : ALLY FINANCIAL is willfully and knowingly violating my rights. I have not consented to my personal information being shared. This corporation has shared my non- public information and reported my credit worthiness. They submitted multiple late payments and reported a delinquent account on my consumer report to XXXX XXXX XXXX XXXX XXXX I did not receive my 3 disclosures that allows me to OPT-OUT. On XX/XX/2023, I contacted this Corporation and was transferred to a line that prompted me to answer 3 questions. After I answered NO to every question, the corporation still dishonored my request. I submitted a letter to the corporate address and have not received a response to my request. I am not belligerent. I just don't want to jeopardize my ability to purchase a home for my family. I am in the process of moving and this is really a form of defamation of character. I demand this be removed.
Consumer complaint received 2018-06-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion states that my XXXX XXXX XXXX  account is 100 % accurate, when clearly you can see the inaccurate information place on my TransUnion credit report, I try disputing multiple times for inaccurate information such as my legal name is XXXX XXXX XXXX, not ( XXXX XXXX ) thats incorrect, ( Date Opened ) thats inaccurate, ( Balance ) inaccurate because a charge off should be XXXX, ( Date Closed ) inaccurate, ( Payment Received ) thats not correct, ( Last Payment Made ) inaccurate because my Bank statement indicate a different Day. The ( estimated date of remove ) is inaccurate, ( Terms ) isnt inaccurate I send them a validation of debt and they stated that they are NOT OBLIGATED to send me any information on the account also I send them a letter under the section 623 and also they failed to respond. I made a complaint with the CFPB and XXXX XXXX XXXX failed to respond to the CFPB also I have a recording with TransUnion and XXXX XXXX XXXX, the employee with TransUnion stated that they dont do a investigation when clearly thats violating the law under section 616 & sections 617. But TransUnion Stated that is Verified on the mail Letter that I received at my home, so I ask them for method of Verification and they refuse to send me the method of Verification and also failed to Respond to me and the CFPB, They are violating my rights and defamation of character under the ( FCRA )
Consumer complaint received 2021-04-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/21 I submitted a dispute to the bureaus. The companies have not looked into my dispute whatsoever and it has been over 30 days. You guys are in violation of the FCRA pursuant 15 USC 1681i. Please remove these items from my credit report immediately.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.
Consumer complaint received 2019-10-14
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: Experian Information Solutions Inc. (IL)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

I have been making payments for several years on a consolidated parent PLUS loan, serviced by Nelnet. Most months I pay more than the required minimum, however my statements show 100 % of nearly every payment goes to interest and nothing to principal. Ive asked how I will ever pay it off if its all treated as interest only payments? They just said thats the way they have to do it. Im supposedly on an extended payment plan so I asked for an amortization schedule. All they sent me was something showing my loan amount and amount of monthly payment, I dont think the personnel Ive spoken to and emailed even know what an amortization schedule is. Im thoroughly frustrated trying to get this information. I even asked them where I can file a complaint about Nelnet and they ignored my request-I cant find it on their website either. Im pretty sure if they are servicing federal student loans they have to provide information about how to file a complaint. I had to research it myself and found this website, so Im hoping to get the assistance I need.
Consumer complaint received 2023-04-04
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. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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.

Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My complaint is about getting information from Equifax. I tried to start a dispute on the Equifax website 5 minutes ago. Equifax claims I have 7 accounts open on my account. When I tried to dispute this on their complaint page- the open accounts were not in there account. This is fraud and false information. These Credit Reporting agencies should be fined or put out of business. I have just been denied housing because of a false credit report, and denied funding for university. I can show you the rejection emails! I want a judgement of XXXX XXXX dollars from Equifax.
Consumer complaint received 2024-05-13
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch (MO)

On XX/XX/2019 I sent an email and mailed a letter to Second Round Up concerning their account listed on my credit report. In my email I asked for them to please validate the debt, if they could not do so please remove from all three bureaus of my credit report. To this date they have not done so.