davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C1681 Section 604 A.Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 


This Account XXXX XXXXXXXX is paid and closed and it's over seven years old.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS THAT I HAVE LISTED WERE NOT AUTHORIZED BY ME. THESE ACCOUNS WERE ALL OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THESE ACCOUNTS NEED TO BE REMOVE IMMEDIATELY. I HAVE PROVIDED DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT THAT I HAVE FILED TO SUPPORT MY CASE. 
ACCOUNTS TO REMOVE 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 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (FL)

I have made several attempts since XX/XX/2016 to correct my student loan balances with Nelnet Student Loan Services. Nelnet is insisting that I owe a balance of {$84000.00} in student loans but is unable to confirm to me where the total balance accurred from. I have went to each University in which I attended, obtained the account summary that shows all the loans taken out during my enrollment, and provide the information to Nelnet. The true amount of of loans taken out excluding any interest is only {$42000.00}. Even with that proof, Nelnet is insisting that I have over $ 80k in student loans without any proof. Nelnet has reported this balance to my credit report several times which is impacting my credit score but has failed to correct my balance.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit reporting act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 604A. States I have the right to privacy.

15 U.S.C 1681 section 604A. 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 with antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I, XXXX XXXX XXXX, declare that my identity has been stolen and used to open various fraudulent accounts without my consent. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my Transunion consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The following accounts were opened in my name These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, fraudulent accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-09-07
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. (MI)

I am a natural person, I am a living human being. I have right under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the inquiries listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these inquiries. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third Bank claims I opened an account with them and when I asked for validation of this debt all they send me is statements. Any one can create statements and put anyone 's name and address on them. I have already had this account thrown out of court because the courts did n't recognize only statements as proof of ownership of an account. Fifth Third at that time could not provide a signed authorization from me to open an account, for the courts. Fifth Third says they have sold this fraudulent debt and therefore will not remove from my credit report, but the debt they say they sold is not mine in the first place and they wo n't provide me with the loan authorization that I would have to have signed if I indeed opened this account. I want this debt cleared off my credit from all parties, Fifth Third bank and any and all collection agencies they may have sold this fraudulent account to. XXXX XXXX from this company refused to give me the account number and was very rude to me on the phone.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (TX)

On XX/XX/XXXX, I wrote a XXXX XXXX check to pay for a purchase. The amount was {$67.00}. The check was rejected with a printout from " Telecheck '' on the back. I had more than {$1500.00} in my account. I contacted the bank, and they said I needed to call Telecheck. When I called them, they stated I had a bounced check. Upon further asking, they stated that it was a " XXXX '' XXXX a local XXXX Texas bank ) check. I had a XXXX account that I closed out on XX/XX/XXXX. I had a checkbook lost or stolen about that time. 
Telecheck said that the check was written XX/XX/XXXX for the amount of {$190.00} to XXXX. They directed me to call XXXX. I did call, and I was informed that they did not have any record of a returned check after I had closed the account, and that the account was clear when closed. They instructed me to speak to a supervisor at Telecheck. I called back and did speak with someone who stated that the complaint or claim against me was by a company called XXXX. I asked why and how XXXX could essentially freeze my account ( unable to write checks XXXX because of a check written over 3 years ago. Also that I had not written any check just prior and especially after closing that account. I also said that XXXX never sent any correspondence or called me about this. 
The Telecheck supervisor stated they would turn it over to " claim investigation '', but they requested I fax them a letter from my old bank, XXXX XXXX Texas XXXX stating that the account had been closed and the date. They also requested a copy of my Drivers license, and a cover sheet with my name, address and phone number, with the case number on each sheet. I did fax the information to them and their investigation department. 
I know that checks to XXXX are processed immediately, and they do not ask for identification. If funds are insufficient, the checks are rejected. 
XXXX Texas told me that if a check had come in after the account was closed, they would have contacted me. 
I did not attempt to contact XXXX because of some questionable information I had seen when I looked them up on the internet. They have many complaints against them and reports of false claims they have made. 
I want to see any proof of an overdraft and returned check. Also I want to know where this check was written ( city or store ) and if there is a signature. I again state I did not write any check after the account was closed, especially over 2 months after it was closed. 
Unfortunately, I have a very common name and am alos wondering if this is a case of mistaken identity from Telecheck.
Consumer complaint received 2017-04-14
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lockhart, Morris & Montgomery Inc. (FL)

Lockhart, Morris, and Montgomery have failed to provide verification of debt. They have uploaded an affidavit not signed by me stating that the debt is mine. An affidavit is not proper verification of a debt. Proper Verification of Debt would be the Promissory Note with my signature and XXXX as the original lender. They have failed three times to provide the contract between me and XXXX as they state exist. Please upload the a contract between me and united first federal. DO NOT MAIL SUCH DOCUMENT TO ME.
Consumer complaint received 2017-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

On X/XX/2017 I pulled my own credit via XXXX XXXX XXXX with TransUnion. TransUnion has recorded this inquiry as a hard pull vs a soft inquiry. This mistake has negatively impacted my score.
Consumer complaint received 2020-10-07
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. (FL)

I have reach out to XXXX XXXX XXXX XXXX  and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of this account. My credit score has been affected. I am asking for this item to be removed from my credit report.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I noticed unauthorized inquiries XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AL)

On XX/XX/2022 Chime closed my account I had XXXX in my credit builder, XXXX in my checking account and XXXX in my savings account. I was never explained why my account was closed I went thru every term and I did not violate any of them. I finally received XXXX checks. One for.XXXX and the other for XXXX I went to multiple banks, pawn shops, XXXX XXXX check cashing centers even the bank the check was from XXXX  XXXX XXXX which I live in Alabama so it was a drive. No One will cash these checks I have been told there is something wrong with the account number and that they are just not cleared. I have been going back and forth with Chime since XXXX only via email because you can not speak to a live representative if you no longer have an account which means you can not verify a check over the phone ... after over a month and a half they finally say they will reprint the checks but I only receive one this time for XXXX and they tell me.im not eligible for the refund now because my credit builder account is $ XXXX but there was XXXX when they closed my account, otherwise it would not be overdrawn at this point... they already screwed me.out of what was in my savings and out of the one check they reprinted I STILL CAN NOT EVEN CASH THE NEW CHECK!! This was my tax refund that I had deposited and since they closed my account I've lost everything, my credit card bills are past due I'm about to be evicted, I no longer have access to a car it has taken so much from me and it's not right for ppl to get treated this way. After looking online I can see I'm not the first person to go thru this same exact situation
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (CA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

UPDATE - THEY SENT ME A REFUND CHECK BUT NOW ARE CALLING ME ABOUT LATE PAYMENT AND INTEREST - THESE HAVE GOT TO BE THE STUPIDEST WORKERS IN THIS WORLD!!!!!!!!!!!!!! DO NOT HARRASS ME I MADE A PAYMENT ON THE XXXX OF XXXX ( details already below from a PREVIOUS COMPLAINT ) Comenity REPS numerous ones told me they would fix this. Instead they sent me a REFUND CHECK for the payment due on my account. I WANT THEM TO REVERSE ANY CHARGE ON THIS CARD SO I CAN BE DONE WITH THESE IDIOTS!!!!!!!!!!!!!!!!!!!! 

In XXXX, this year, I made a purchase on my XXXX XXXX XXXX XXXX credit card that was sent to me to REPLACE the XXXX AND XXXXXXXX XXXXt separate cards. I destroyed those cards as I was asked to in the mailing of the new XXXX XXXX XXXX XXXX  card sent. I have had trouble with this bank in the past for taking so long to post or not posting to correct account. AGAIN, since I knew of this trouble, I sent payment for my purchase on the XXXX of XXXX, this year. They applied it to the old account even though I had it directed to the NEW CARD NUMBER sent to me. This was only DAYS after my purchase so they would have time to POST IT to my account well within the time limit for making payment. To this date, XXXX, I have written to them in secure message, twice, I spent 45 minutes on the phone with a representative explaining the situation as they had sent me a notice that my payment was past due but is SHOWING A CREDIT BALANCE for the {$31.00} purchase I made, but they posted to THE WRONG ACCOUNT number. After speaking with the representative for the 45 minutes, he told me he understood and would fix this. That was on XX/XX/XXXX. Today I sent another message requesting my account be updated to show I am NOT PAST DUE BUT IN FACT PAID WELL BEFORE TIME. I do not plan to let this go months and months again like last time I need this corrected by them NOW. Please provide whatever assistance you can in this regard. Thank you
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

In 2012 w e were forced to declare bankruptcy because the credit union would not alter our loan modification as they said our bill were our fault so they would not help us even though I was a member for over 20 years with a perfect record. During the BK they would not take called from our lawyer so we were not able to reaffirm our mortgages. Now they report them as delinquent  as of  X/2012  ev en thought they have always been current.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DIGITAL FEDERAL CREDIT UNION (AR)

The balance on my DCU  account is showing at {$86000.00}, but the correct balance on my credit report should be showing as {$79000.00}. This balance needs to be updated to reflect the current balance on the account.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX  Inquired on XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

Navient has repeatedly failed to communicate with me and claims to have sent emails that were never received, either to my online account on their website, or to my personal email address. The also failed to specify the terms of a hold placed on my account, resulting in " past-due '' payments that should not be considered so. I have been told that, despite their mistakes, they can not remove the past-due statuses on my account. 

This follows several phone calls in which I was given incorrect information about the documentation that needed to be provided, which pushed setting up my payment plan very far back when this process should have been completed in XX/XX/XXXX. This is looking like very predatory business practices in order to report fabricated delinquent payments to result in fees to Navient as well as negatively impacting my credit.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to formally dispute inaccurate information on my credit report related to the payment history of my account with XXXX XXXX XXXX XXXX, Account Number unknown. This dispute specifically pertains to the creditors failure to credit payments promptly in accordance with 15 USC 1666b, which requires that payments be credited to an account on the date they are received. 

I have reason to believe that XXXX XXXX XXXX XXXX did not credit my payments promptly, resulting in incorrect late payment reports. This has adversely affected my credit score and overall report. As per the Truth in Lending Act, these inaccurate reports of late payments are unlawful if the delay in crediting was caused by the creditor and not by any fault of my own.