davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (CT)

It is ridiculous how little the government does to actually help taxpayers. One of the worst offenses to consumers is mergers and acquisitions. They so rarely help anyone but senior executives and shareholders. It is especially true that in bank mergers we never benefit. Are we getting some higher savings rate or better lending rates because banks have merged? No we lose local jobs and we get worse customer service. The perfect example M & Ts acquisition of peoples United. A disaster for customer service with no benefit to account holders. I know its too late to unwind it although you should but it should at least service a lesson that they should never be allowed
Consumer complaint received 2022-09-22
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group (MS)

I received a notice for a bill for services that my insurance paid and the hospital accepted payment. I also advised XXXX XXXX to bill the department of veteran affairs due to my veteran status for they would pay the bill as todays date XXXX XXXX has never sent the bill into the va in order for the Department of Veteran affairs to pay the bill for the time being i was paying on it and hoped they would reimburse me for the money I paid on the account as of todays date I have never been reimbursed nor has XXXX XXXX billing department sent the bill to the a department of veteran affairs for patient billing services at the XXXX XXXX billing office of the department of veteran affairs I now have a collection agency contacting me by the name of Revenue Group when I do not owe this bill due to error in the billing department of the XXXX XXXX they have never made any effort to assist in sending the bill in the va gave a number during Covid and said we should give our name number and they would pay this bill has never been submitted for payment this was during Covid restrictions and it made it extremely hard to get anything done and paid for in a timely manner
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (FL)

I sent a letter out on XX/XX/XXXX, that was dated XX/XX/XXXX to Equifax. 

Here is my tracking XXXX. 

However, the credit bureau said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?
Consumer complaint received 2022-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

On XX/XX/XXXX I physically mailed a check for {$5000.00} to my Private Student Loan Provider Firstmark Services. I have done this before and have had no issues. On XX/XX/XXXX, I checked my bank account and see that I have {$10000.00} less in my bank account instead of just {$5000.00} less. I look into it and come to find out that Firstmark cashed my check twice somehow. This can be seen on their payment history as well as on my bank account. On their payment history, the check is cashed twice on XX/XX/XXXX. On my bank account, the check is cashed on XX/XX/XXXX and XX/XX/XXXX. I first call Firstmark Services on XX/XX/XXXX to alert them to the issue. They tell me to send them proof on my bank account that I was double charged, so I do. They immediately fix the issue on their end, so the screenshot of the double charge on my payment history says it is reversed. On XX/XX/XXXX I received an email reply from them basically saying they received my email and they reviewed my account. That being said, as of XX/XX/XXXX I still have yet to be refunded the {$5000.00} that they double charged me for. I have called Firstmark Services a total of 5 times ( a total of XXXX minutes ) since I noticed the mistake : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time I call, I am told that it should be fixed in the next few days. Therefore, that is why I have now called them a total of 5 times. They can not seem to explain to me what the hold-up is and when I shall be issued my refund. They can not even tell me the check number that has been issued because they have yet to write a check to refund me. It has now been a month since I've been double charged without a viable explanation of what is going on. I have also been told multiple times that someone will call me back with more information, but that has yet to happen. On XX/XX/XXXX, I reached out to my bank XXXX XXXX XXXX and they said they would also contact Firstmark Services. I have yet to hear what has come from XXXX XXXX XXXX reaching out to Firstmark Services. 

Regarding attachments below : I have attached the email I sent Firstmark Services and their response. I attached the original screenshot I sent Firstmark Services of the same check being charged twice. I have attached a screenshot of my payment history at Firstmark Services showing the double charge and the charge on their end being reversed. I have attached my bank account statements for XXXX and XX/XX/XXXX to show the double charge and lack of a refund. I have also attached a picture of my check receipt and my call history to Firstmark Services.
Consumer complaint received 2022-08-19
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: Upgrade, Inc. (NC)

Upgrade Inc violated my right to privacy. Upgrade Inc disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to Upgrade Inc on XX/XX/2022 at XXXX am, delivered by USPS confirmation # XXXX, regarding account # XXXX
Consumer complaint received 2022-08-24
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: Fidelity National Information Services, Inc. (FNIS) (TX)

CHEXSYSTEMS you violated my rights by supplying information to XXXX, XXXX, XXXX AFTER I FROZE your recorded. You violated my right to privacy you gave out my information now take it back from the 3 credit reporting companies
Consumer complaint received 2022-08-19
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-20
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. (NY)

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. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Transunion. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation or Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much trauma. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}
Consumer complaint received 2022-09-22
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-22
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-09-20
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. (NM)

My identity was stonlen on XX/XX/2022. A credit card account was opened fraudulently using my information with XXXXXXXX XXXX XXXXXXXX. I contacted them on XX/XX/2022 and XX/XX/2022 and on XX/XX/2022 to try and get this problem resolved but they refuse to send a letter to the credit Bureaus to get this removed off my credit report. I had to spend over 40hrs contacting and emailing credit card companies and bureaus to place fraud alerts and credit freezes on my accouunt. After doing a XXXX search on XXXXXXXX XXXX XXXX I see the have a 1.5 star rating with many people in the reviews calling them a scam.
Consumer complaint received 2022-09-20
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. (FL)

I disputed this false information since XX/XX/2022. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CONRAD CREDIT CORPORATION (TX)

To whom it may concern, I am contacting you regarding the collection company XXXX XXXX and XXXX XXXX XXXX. I have been disputing my debt with XXXX for some time now, but they have not provided me with debt validation or confirmed whether or not they have purchased the debt from XXXX XXXX. Instead, XXXX ( who is lovely, by the way ) has been reaching out to me to try and get me to settle the debt, which would let me out of my agreement with XXXX XXXX. I can not afford to pay the money they are requesting that I pay, and I can not get an answer from XXXX XXXX as they direct me back to XXXX XXXX. I am tired of going back and forth with them. I disputed my agreement with XXXX XXXX, and when I started complaining, they turned around and sent me to collections, which is not right. I am filing this complaint against both parties as I do not know what else to do. I honestly believe I am being harassed and backed into a corner where I have to pay, or they will hurt me later on down the road. I can not accept this happening now and will not have them keep strong-arming me into paying more to a company I have already sent thousands of dollars to over the years. I need someone to help me. 

Regards, XXXX XXXX
Consumer complaint received 2022-08-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (MI)

Due to the coronavirus pandemic, my disability payments were stopped ( due to XXXX  ). This affected my ability to pay my account with Midland Mortgage. On XXXX XXXX 2022, I applied for the Michigan Homeowner Assistance Fund to help bring my past due amount to current status. I was approved XX/XX/2022, and was funded on XX/XX/2022. However, it is XX/XX/2022, and the bank still says it has received the funds. Furthermore, Midland Mortgage is proceeding with the foreclosure of my home.
Consumer complaint received 2022-09-20
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. (PA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$530.00}
Consumer complaint received 2022-07-29
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$560.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-22
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. (NY)

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 very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX