davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

On XXXX XXXX I mailed a debt validation letter to GREAT LAKES in regards to a loan listing they alleged I owed. In pursuant to 15 USC 1692g I have the right as a consumer to request validation of any debt someone allege I owe them. I received a response letter from GREAT LAKES dated XXXX XXXX, which did not validate the alleged debt I owe them. In fact the response letter didnt mention anything pertaining to a debt as I requested validation for. 

GREAT LAKES has violated several of my consumer rights, by not providing me with competent evidence that I owe this alleged debt theyre claiming I owe them, as I noted in the attachment labeled EXHIBIT A. 

In addition to the EXHIBIT A sheet Ive attached my Affidavit of Truth and CEASE and DESIST letter, which were mailed to them on XXXX XXXX.
Consumer complaint received 2024-02-14
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. (MI)

XXXX, XXXX, and TransUnion is reporting incorrect and inaccurate information to my credit report from XXXX XXXX which is a closed account with a late payment in XX/XX/2023, which is INCORRECT! XXXX is reporting the late payment in XX/XX/2023. XXXX is reporting the late payment in XX/XX/2023, and TransUnion is reporting the late payment in XX/XX/2023. Which are all incorrect and inaccurate dates with all XXXX bureaus I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.
Consumer complaint received 2024-02-14
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. (NY)

I have been a victim of identity Theft. My information has been exposed in the XXXXXXXX XXXX XXXX. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.
Consumer complaint received 2024-01-20
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. (NJ)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (GA)

So i sent a letter off on XX/XX/2022. Here is my tracking # XXXXTo remove personal information that l don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people. 


These are clear violations of my federally protected consumer rights.
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MD)

In XXXX XXXX, I moved out of the apartment I was sharing with XXXX others and, among other things, ended my XXXX service at that address. XXXX picked up the equipment and the final bill that I knew of was paid. I have had XXXX services at multiple addresses in multiple cities since then. When I moved to XXXX XXXX, I was told I could not get an account because I had never returned my equipment from that first account. When I disputed that with the representative, he said he would look into it, and shortly thereafter I was offered a contract to get service, and I opened a new XXXX account in XXXX of XXXX. I have had XXXX service continually since then, have paid my bills on time, and have never had any issues mentioned to me by the company. On XXXX XXXX, XXXX, I received an alert that there was a new open collections account on my credit report. I went to check and found, after much investigation on my own part, that Southwest Credit Systems had placed a derogatory mark on my credit score for a {$65.00} debt to XXXX which XXXX was alleging I owed from XXXX. I have had the same name, phone number, and social security number affiliated with all of my accounts with XXXX, so they have no excuse for this absurd behavior. They have never once contacted me, sent me a letter, billed me, or otherwise attempted to hold me responsible for this amount. Southwest Credit Systems never sent me a letter regarding my debt before placing this on my credit report, and has made no contact with me whatsoever at this point, rapidly approaching their 30 day deadline. I am sending them a demand letter for verification and other information pursuant to the relevant federal laws. I do not believe I owe XXXX this money, and dispute the validity of any debts to XXXX and any collection agency regarding this amount.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Name : XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information on my XXXX/TransUnion credit report : XXXX XXXX XXXX XXXX collection account number XXXX with the balance in the amount of {$180.00} ( Original Creditor is XXXX XXXX  XXXX ) is inaccurate because Its absolutely fraud. I am requesting that the item be deleted. 

I lived in XXXX XXXX XXXX for 3 months ( XXXX, XXXX, XXXX, XXXX ) and paid in full all of my 3 utility bills on time. 

Enclosed are copies of XXXX XXXX XXXX letter, XXXX XXXX XXXX balance, Transaction Details of my bank account ( copy of my cleared check of termination fee ) and my final XXXX bill supporting my position. 

The balance of XXXX XXXX XXXX XXXX is fraud and doesn't include a truthfulness info because the following information : I moved out from the XXXX XXXX XXXX on XX/XX/XXXX. I closed my electricity utility company XXXX account by address XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and paid in full my final bill in the amount of {$79.00} on XX/XX/XXXX. 
I paid in full the termination fee {$2400.00} on XX/XX/XXXX. 
The email address XXXX doesnt exist. 

Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have been dealing with XXXX  XXXX XXXX Credit Card that I have had since XXXX which started since XX/XX/XXXX. Keeps kicking out the theft of card -- -- -- -- -- -- -- -- - sent new card- and still continues in XX/XX/XXXX! I have to make appoints with a financial center since XX/XX/XXXX. Takes weeks/ months to get an appointment. Not that many left open in XXXX, FL. I went from the XXXX  of XXXX until the XXXX of XXXX until I could speak with a Manager. XXXX XXXX at XXXX XXXX XXXX NE, @ XXXX. ( that is No longer with company ). quit! This is a mess by them. Sent me a new card and said nothing! ( XXXX  XXXX XXXX ), I reported the Credit card lost! The only thing I have been paying on is cash I took out, not informed that intrest was involved. That was on XX/XX/XXXX, for $ XXXX then card was either left at bank or stolen? Spoke with XXXX and agent from credit on phone, and said to pay on the {$1500.00} thus far. I have ever since. It was XXXX on the FRAUD team and on the call. My balance is as of today -- -- -- -- -- -- -- -- - XXXX another payment due XX/XX/XXXX, I mean are you kidding the theft was : $ XXXX when card taken ... .... Please help.
Consumer complaint received 2017-10-08
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. (TN)

The year XXXX of this year where my information was stolen from different sources that uses XXXX and XXXX and XXXX union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.
Consumer complaint received 2015-10-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I agreed to a loan modification on this equity loan which was to start XX/XX/XXXX 2015 with XXXX payments of {$170.00} on the XXXX of the month. I have completed XXXX payments on time only to receive in the mail the XXXX statement indicating the XXXX payment made on their posting account of XXXX/XXXX/15 has increased my previous balance and getting a loan modification has served no purpose other than to collect more funds from me. See attached documents. My understanding with the Bank of America resolution manager was that part of that payment was to go for the principal and part to interest as I inquired before even agreeing to this modification. Instead as you see on this statement they have described the loan modification amount as " cash receipts '' subtracted it from the previous balance of {$100000.00} XXXX which includes the real equity balance of {$98000.00} plus the past due amount of {$6700.00} XXXX then added on a finance charge of {$220.00} bringing it to {$10000000.00} which is more than the previous balance. This is their way of helping customers with a loan modification.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

such XXXX  CFPB complaint numbers : XXXX XXXX XXXX XXXX XXXX XXXX with the complaints were : 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. XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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. 


the second complaint to all three reporting agencies were also : did not authorize or do any of these hard inquiries on my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2020-12-08
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: STATE FARM BANK, FSB (TN)

I am a victim of identity theft. Because of the identity theft I ordered my XXXX  report and found the following inquiries that were not authorized by me : State Farm XXXX XXXX XX/XX/2018
Consumer complaint received 2023-03-30
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. (MS)

I disputed XXXX XXXX information with the bureau and it came back verified. I reached out to the account holder and the company said they had no information or an account affiliate with the information I provided which was a copy of the credit report my drivers license and a utility bill. I asked them to provide the procedure in which you verify records with the credit bureaus. I received no response.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act ; XXXX 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 a account without my written instructions.
Consumer complaint received 2021-11-29
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SS XXXX XXXX I am filing a CFPB complaint on my own behalf it is my legal right to do so. I am not an attorney or a third party. I am a victim of ID Theft. 
I reviewed one of my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Please delete the fraudulent accounts My name XXXX XXXX XXXX XXXX XXXX Please delete any other variations of my name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX  XXXX XXXX  XXXX Please Delete Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please Delete Phone Numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My Phone number is : ( XXXX ) XXXX PLEASE DELETE HARD INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Consumer complaint received 2015-10-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: World Omni Financial Corp. (FL)

I requested a payment deferral for XXXX payment. The customer service rep was helpful in doing so. I paid the interest as they required. In XXXX I noticed my bill was past due. I called and spoke to another rep. He informed me I had to submit a letter stating why I needed the deferral. I did as he asked. I also explained to him I was never informed. XXXX statement is received and the account is current. I am in the process of buying a home so my credit was pulled and it shows that my account was 34 days past due for XXXX. I called to get an explanation onto why this happened and was told my deferral was processed for XXXX when the letter was received and it was not credited to XXXX as it was supposed to be. Now my home loan is going to fall through and I already submitted my cancelation of lease and will be out of a home come the end of XXXX. All of these conversations happened over the phone. No emails were sent by the company or any documents in the mail.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (AR)

This company is violating the Fair Credit Reporting Act, specifically, 15 USC 1681s-2 ( a ) ( 5 ) ( A ). As they are failing to report the alleged date of alleged first delinquency. A violation of the FCRA is a per-se violation of the FDCPA and a violation of the FCRA and the FDCPA is a per-se violation of the AFDCPA ( Arkansas Fair Debt Collection Practices Act ).
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (VA)

Today I received texts and voicemails from the Aargon Collection Agency, a debt collection agency specializing in medical debt. They did not say what I am supposed to owe or to whom. I had to go to the web to find out whether they even existed. I do NOT owe any medical provider. I have not had a serious illness in years, and the fees for all my routine doctor visits and tests are paid promptly, in full. Moreover, I have not received any snail mail correspondence indicating any unpaid medical charges, much less to whom such charges might be owed. I do not wish to communicate with this agency, because friends ' and family members ' experiences indicate collection agencies do not care about the validity of the debt. They only wish to hector you into paying.
Consumer complaint received 2022-08-05
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. (MS)

Ive called the company multiple times no resolution. Stated will call back they never do. Reach out to all credit bureaus and they tell me to dispute, which I have numerous times and no change. The charge off account has been continuously reported since being charged off XX/XX/XXXX. It Also is showing inconsistent balances across the bureaus! XXXX has the account to be opened XX/XX/XXXX, collection/charge off high credit of XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. XXXX has the account to be Paid and opened as of XX/XX/XXXX high credit XXXX payment status unknown last active XX/XX/XXXX last payment XX/XX/XXXX. Equifax has the account to be derogatory and opened as of XX/XX/XXXX high credit XXXX, collection/charge off last reported XX/XX/XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. The account has been settled for less than original amount but a balance still reflects the file. This account has caused me XXXX of dollars, a job and the ability to purchase bc of adverse history.
Consumer complaint received 2020-05-26
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)

UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.
Consumer complaint received 2020-05-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

XXXX  XXXX is reporting my XXXX XXXX XXXX for {$10000.00} twice on my equifax report.
Consumer complaint received 2022-08-08
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct this erroenous account being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX Late Date XX/XX/XXXX