davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am requesting a temporarily BLOCK of the following account because its inaccurate, Wrong, Scamming consumers, Didnt respond correctly to the issue and 10 times they violated the FCRA sections. This account is hurting and violating a comfort of my life which is my CONSTITUTIONAL right. Is there anyone or any business can do whatever they want? If yes than Ill do whatever I want and nobody can tell me that I didnt follow US law. If this time this account still in my credit report and didnt make any changes I will violate the law like this company is doing and no one can stop me for anything. If XXXX  and CFPB are Government organizations and they handle all businesses across the United States, they have to take this meter seriously and block them for future reporting. Last action and If I receive letters from bureaus which contains ACCOUNT IS VERIFIED AND ACCURATE, dont be surprised that I will do same violation. 

CFPB PLEASE HANDLE IT I HAVE NO NERVS AND I ALMOST BECOMING XXXX XXXX
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

I have submitted complaints with XXXX, Fed loan services and The Department of Education to have the DOFD correctly reported on my credit report for the past 2 years the accounts in question have been re-aged and should be removed. I have attached documentation from The Department of Education as XXXX has my accounts from The Department of Education as a collection account reported in XX/XX/XXXX on a reported dated XX/XX/XXXX& changed to a collection on XX/XX/XXXXon my report dated XX/XX/XXXX which is wrong and those accounts should be removed. Which is a violation of FCRA, US. Code Title 15 Sub Chapter III, US Bankruptcy Code Title 11.
Consumer complaint received 2017-12-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

Back in 2016 I had a lapse in car insurance, so Wells Fargo Auto Finance charged me a fee for implementing insurance on the vehicle. Because I was never contacted about the charge going in to effect, and the charge did not show up on their website, I kept making regular payments, not knowing that I was racking up huge charges for months of insurance that I did n't know that I had. 

At some point, I finally got past due notices threatening to repossess my car if I did n't contact them. I contacted them, and the representative said that it was an error, and it had been fixed. I made another regular payment minus the insurance amount. A month later I got another notice that my car could be repossessed if I did n't make payment. At this point the charges were over {$500.00} due immediately or risk repossession. 

I got the money together and made the huge payment. Fortunately I saved my car from being repossessed, but my credit was heavily damaged as part of the whole situation. 

I think this was done unlawfully.
Consumer complaint received 2016-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AL)

experian will not investigate, verify and remove these innaccurate and incomplete items because they say they investigated before already. please see documents of incomplete items attached, but when i filed complaint last time they said if i tell them why they would investigate, and also the investigation have taken more than 30 days to complete
Consumer complaint received 2022-09-11
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)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I owned two XXXX XXXX? XXXX XXXX XXXX accounts with the original creditor. These accounts were established around XXXX and XXXX. XXXX sold these accounts to Portfolio Recovery Associates I believe in XXXX. The first account had a credit of {$1000.00} where the second was under {$3000.00}. After paying these accounts for years, $ XXXX $ XXXX monthly on each, I noticed that the balance was never decreasing. I contacted the creditor on numerous occasions requesting the terms of the credit, balance and payment history but would never receive the information. I contacted the creditor by phone frequently inquiring about the no-interest promotional offer and why the account was accruing interest and fees when I had a deferred interest promotion but could never get answers. I stopped paying the creditor, because at this point I had paid well over the original balance and the creditor was engaging in predatory practices. 

In XXXX I received a letter stating that the accounts were sold to Portfolio Recovery Associates. I have since informed Portfolio Recovery Associates that my accounts were paid to the original creditor ( XXXX  XXXX/ XXXX XXXX XXXX ) and that they have failed to provide me with the credit terms and payment history needed and what they were trying to collect on was inaccurate. Portfolio Recovery Associates has since reported me to the credit bureaus and have also filed a claim in court to collect on this invalid debt.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have attached accounts that are currently reporting to my 3 credit bureaus as of today inaccurately, per the FCRA all of the accounts have to report 100 % accurate information and they are not. I would like to have these accounts deleted asap. I have attached pictures of the accounts with the highlighted areas that are incorrect.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (CA)

Recently, my credit report had an unpaid collections report from Hunter Warfield Inc. XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. They state that I owed XXXX. I have told them and the XXXX that they bought the account from ( XXXX XXXX ) that I have never had any business interactions with XXXX XXXX. I invited XXXX XXXX to send the information to me by mail and they refused to do so. I also invited Hunter Warfield to send the information to me by mail and they also have failed to do so. Because of Consumer Fraud risk, I do n't give out personal information on the phone nor do I pay a bill just because someone thinks that I owe it. Engaging one in a conversation about a nonexistent bill is a perfect way to get personal information from one who is unsuspecting. I told XXXX XXXX to send the information to me in the mail approx. 10 times. To date I have received no information. To my knowledge I have never interacted with them for any purpose let alone a business purpose. If they or Hunter Warfield, Inc have sent information to you indicating that I owe them money, I fear that this is fraudulent since I have never been sent documentation showing that I owe them money. Please have this item removed from my credit report ASAP. Thank you.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have a potentially negative account from XXXX XXXX XXXX. It has been paid in full and closed, but could continued to show 2 late payments from XX/XX/2018. I have disputed with XXXX XXXX and it still has not been removed from my credit report
Consumer complaint received 2020-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX I found an add on XXXX market place for a home for sale for {$500.00}. I emailed the man who posted the add and he told me he moved stated and was looking for someone to take over payments of his house. I was extremely interested. He emailed me an application which I filled out and returned. On XX/XX/XXXX I was told I was selected to move in and I was required to wire my deposit of {$1000.00} to his account. I sent the money and it processed through. I went to the home to look at the area, he told me I wouldnt be able to go inside but he would send me the keys as soon as soon as he could ( it was a Sunday so Im assuming he would send them Monday. ) When I went to visit the home a neighbor came out and I explained my situation and she told me I am the second person to come through for a false add. He was using another mans identity. I contacted the real realtor and he apologized, for he has tried to take down the adds for the house online but they keep popping up. I contacted Chase for a refund but since it was through XXXX with XXXX through Chase I am unable to get any money back.
Consumer complaint received 2022-09-12
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX  XXXX XXXX Date Opened XX/XX/17 Balance {$4400.00}
Consumer complaint received 2020-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

Under the CARES ACT I thought all student loans were in deferment? Yet NELNET is charging interstate 's to my accounts currently. I was on deferment plan and was never contacted on the update to what would be done under the CARES ACT with the loans so I assume the law protected interest being added to the accounts currently until year 's end. Also I have a persons name unrelated to myself or family that has his loan information mail being sent to my house. Are the accounts crossed? I show the balance being paid off yet I'm being billed still?
Consumer complaint received 2017-12-04
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)

Credit Bureau Equifax. 
XXXX hard inquiries affecting my credit report are : XXXX XXXX-XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX-XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX-XX/XX/XXXX Did n't want to remove my inquiries.
Consumer complaint received 2024-02-21
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. (AL)

Accounts : XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2017-12-06
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. (IN)

I am a victim of inquiry issue by TransUnion credit bureau. Multiple attempts to contact the bureau regarding this situation were not helpful. The bureau did not help to take care of the negative inquiries that were reported to my credit card report. 
The inquiries I would kindly ask you to remove from my account are the following : XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

I applied for a loan modification with CitiMortgage on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX they furnished a 3rd party lawyer with a potential mortgage modification package without my permission. I used this lawyer one time in XXXX of XXXX for a chapter XXXX bankruptcy case. I did not give permission for citi bank to contact this firm on my behalf. On XXXX/XXXX/XXXX I requested via email for a written explanation as to why my personal, private information was sent to this firm. I received an email from my single point of contact, XXXX XXXX two weeks later on XXXX/XXXX/XXXX explaining that she was not authorized to provide the document requested and that my loan modification was being transfered to XXXX XXXX who would be my new single point of contact. On XXXX/XXXX/XXXX I was told via email by XXXX XXXX, my single point of Contact that I would need to contact customer service and inquire about why a modification purpose was sent to a third party. I have yet to receive explanation as to why my privacy was breached. Further, I received a XXXX dollar check today, dated XXXX/XXXX/XXXX regarding some wrong doing from when I was denied modification in XXXX.
Consumer complaint received 2022-08-11
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: AMERICAN EXPRESS COMPANY (TX)

Someone stole my wallet with my social security card and ID. They have now tried to open XXXX accounts in my name. Luckily I have frozen my credit and reported fraud to all three bureaus, but now I am reporting to the FTC as well. Just to cover all of my bases.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NM)

I have student loans showing late payments ; they have been refinanced and consolidated. However, they continue to negatively impact my credit and score since it shows 25 late payments. These loans are also from XXXX, in which most of these late payments should have already come off my report. They continue to report every year, which keeps making them current although the first reported date was in XX/XX/XXXX
Consumer complaint received 2020-05-07
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: EQUIFAX, INC. (GA)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-07-13
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: CREDIT ACCEPTANCE CORPORATION (MI)

One day I checked my credit report and I noticed that someone I didn't authorize ran my credit for vehicle I never tried to get. I sent in written disputes but still I have no results. Can someone please give me assistance with getting these inquires removed.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I got a copy of my credit report there were errors, I disputed the errors I received an email that the investigation was finished, but Equifax will not let me log in to access the results. The information I am giving them is correct and is the same information I used to get my credit report. I need to access my report and dispute results.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (IL)

do not receive timely credit alertsdo not receive fico credit score increase after significantly reducing credit debt usage ( paid XXXX credit card acts down significantly ) XXXX acts were : XXXX credit card on XX/XX/XXXXthXXXX XXXX credit card ( XXXX ) on XXXX XXXX and XXXX XXXX was informed my the fico credit score dept that my fico score would n't increase anymore past current score of XXXX due to my past negative acctsI adamantly disputed!
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As a federally protected consumer, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services with XXXX XXXX XXXX XXXX XXXX '' I have multiple complaints filed and this is now considered willful violation of my Rights! 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2024-02-21
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. (IA)

I have 2 Fraudulent inquiries on my credit report it is the following listed below XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are the 2 fraudulent inquiries that are on my credit report and the XXXX XXXX inquiry also has a fraudlent account on my report and i demand that it be removed as part of the fair credit reporting act you cant report fraudulant data so it needs to be removed