davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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. (GA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 
In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.
Consumer complaint received 2022-07-30
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. (NC)

In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (MI)

I have sent in two applications one of which is attached for an income driven repayment plan and the lowest possible payment because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They continue to not provide me clear answers Nelnet continues to ask me for documentation for income when I don't have any income they continue to ask me questions that are answered on this application and then they continue to reject these applications for a variety of reasons none of which are ever clear. I have also requested in writing any payments made after XXXX of 2020 to be reimbursed to me and they have not reimbursed those payments. They tell me there is no form to fill out which there is they tell me there is no evidence that I have requested this when I keep requesting evidence that I'm requesting this money be returned and they continue to jerk me around. Enough is enough.
Consumer complaint received 2020-09-08
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: Experian Information Solutions Inc. (FL)

I have disputed incorrect information to all three credit bureaus several times and they have not removed adverse information off of my credit report. I have called disputed online through XXXX XXXX as well as directly and they have not removed the incorrect information. I have asked for proof to verify in writing the debt that they keep reporting that is owed and I have not received any verification proof or documentation from the original creditor, the third party debt collector or the CRAs. I am requesting that all errors and incorrect information be removed from my report immediately according to the FCRA.
Consumer complaint received 2019-04-10
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. (PA)

XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$610.00} There are no contracts, no valid claims ... accounts were settled with original creditors, grave errorfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

Hello TD Bank Credit Card : In response to your attached voicemail message, we do not accept your reasoning for why you are reversing our credit card dispute charge back that you previously ruled in our favor, because we think that you are confused. 

The reality is that XXXX XXXX XXXX XXXX was hired to remove our case for litigation to the United States Supreme Court. 

Due to their perceived negligence, recklessness, and willfulness, as well as perceived bad faithXXXXdiscrimination against us contained within our previously submitted exhibits/documents, we are now forced to litigate this matter in the lower biased corrupt New York Supreme Court because they submitted our Writ too late after causing it to be rejected 3 times. 

So while the case may be docketed finally in US Supreme Court, it does not matter because XXXX XXXX got their product in AFTER NYS Supreme Court XXXX XXXX XXXX ordered us to respond ( and accept NYS Supreme Court jurisdiction ) because XXXX XXXX ( supposed 20 plus years professionals ) got rejected XXXX times since XX/XX/2022. 

Now that TD has apparently reversed this charge in XXXX XXXX ' favor, we will be suing TD Bank as a co-defendant. 

Be guided accordingly.
Consumer complaint received 2022-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (DC)

I tried to pay the escrow shortage for my mortgage in XX/XX/2022 and the payment coupon from the bank had an incorrect address. I ended up putting a stop payment on the first check, sending a second payment to a different address. The bank charged me for a bounced check ( after they tried to cash both checks ) and they have not corrected what my mortgage payment should be on my monthly statements even though when I call them, a bank representative tells me that they have adjusted my mortgage in their system.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
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: SYNCHRONY FINANCIAL (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion reporting credit agency has allowed unverified debt collecting entities to unlawfully and unverifiably report debts not owed resulting in damage to my credit score. I contacted TransUnion Fraud department on XX/XX/XXXX and spoke to XXXX who verified that I indeed was speaking to the fraud department. I advised XXXX that XXXX XXXXXXXX XXXX  activities were illegal and fraudulent. XXXX did not attempt to resolve the matter immediately as requested. TransUnion is selling personal information and also in agreement with fraudulent practices of fraud. I have had a fraud alert setup to protect me from such practices, that is set to expire, XX/XX/XXXX on my TransUnion account. I have no contact, agreement verbal or otherwise concerning XXXX XXXX XXXX.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (SC)

In XXXX i opened an American Express Blue cash card and received a SUBSTANTIAL credit limit. I have utilized this card for various purchases. I have made my payments on time every month. In XXXX i paid the card off in full. I did not use my card for purchase for roughly 6 months. Recently on XX/XX/XXXX I tried making a purchase and was declined. I was shocked due to the credit limit i had on the card. I called the number on the back of the credit card and found out that my card was on hold. This really took me by surprise. Then within minutes of the phone call i received an email telling me that my credit limit was decreased considerably. I was never informed of this until i tried making a purchase. I checked my card activity every month for monitoring purposes and never seen a decrease. Then the following day i received an email informing me that i have a message on the cards web site. The message informed me of the credit card companies decision in lowering my limit. It stated, Amount of your payments in relation to the overall balance on your American Express accounts. Which is false due to the card having no balance owed. The next reason listed was, Amount currently outstanding on your American Express accounts is to high relative to the income you provided on your application. Again this is false due to not having any outstanding amounts on this card and my income was the amount mentioned on my application and only went up in time. Remember I check the web site monthly for security reasons. The balance is XXXX and nothing due at this time.Then the email goes further regarding my FICO score which at the time of the card company running it recently was in the 700s. Now at the time of me opening the card my score was roughly the same and the credit information was about the same as well. There was some new accounts added of course. Which is understandable in time. Due to the companies decision making my FICO score will change drastically due to the depth to income ratio. I believe the companies decision was very harsh and wrong. This is not how you treat a loyal and on time paying customer. Ruining someones credit is wrong. Especially when your never late on making payments and paying a balance off. I am writing this to inform anyone that was thinking about opening an American Express Credit Card to really think twice. This company will ruin your credit even if you do make payments on time. I will provide information when asked to back up my statements above. I do not want to upload this personal information due to being snap shot pictures of my accounts web site.
Consumer complaint received 2023-03-16
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. (CA)

There are several items as detailed below that are currently reporting on my consumer report that is a result of identity theft. I have never given written consent nor written instructions for the identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C 1681b this company does not have a permissible purpose to report this information. I am asserting that I believed this company obtained my personal nonpublic information by way of aggravated identity theft and in accordance with 15 U.S.C. 1681c-2 they must block the reporting information that is identified as a result of identity theft no later than 4 business days after the date of receipt.

My demand to block this information is not being made in error nor is this demand being made on the basis of misrepresentation of fact. The transactions are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, I demand the following inquiries be blocked and deleted as well. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX is also reporting addresses that I have never lived at and phone numbers that I have never had. There are also inaccurate spellings of my name that are not accurate. XXXX is required to report accurate and complete information and the below information is not accurate. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX 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 PLEASE SEE ATTACHMENT FOR IDENTITY THEFT REPORT AND IDENTITY THEFT AFFIDAVIT.
Consumer complaint received 2022-07-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

While reviewing my credit report, I noticed several accounts that should not be on my credit report. I have written several letters disputing these accounts as they are in violation of numerous Federal laws. 

XXXX # XXXX XXXX XXXX XXXX {$1700.00} XXXX # XXXX XXXX XXXX XXXX {$1100.00} XXXX # XXXX XXXX XXXX XXXX {$1300.00} XXXX # XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX  # XXXX XXXX XXXX {$1700.00} XXXX XXXX  # XXXX {$2200.00} These items were placed on my credit reports without any prior notification in Violation of the No Surprises Act. 

These accounts are also in violation of the precedent set by XXXX vs Transunion, which states that the burden of proof is on the reporting agency and not on the consumer and that they have a duty to actually conduct a real investigation, which they never do. 

And that is on top of all of the reporting violations and inaccuracies that I have found. 

I have never been provided any documentation by the reporting agency or the original creditor. Every time I request it, I am ignored. 

They say that the accounts were verified, when I know they have not been verified. I have been asking for months for them to verify the accounts with supporting documentation. As of today 's date, they have not verified anything, which makes the accounts unverifiable, which makes them inaccurate, which means they has to be deleted. 

I have written them several times, all to no avail. They willfully and continually violate my rights under Federal law.
Consumer complaint received 2022-07-30
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. (NV)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-30
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. (VA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$8500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$290.00}
Consumer complaint received 2022-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (FL)

Back in the Begging of XXXX I disputed this collection account that was on my Credit report from CKS Prime Investments LLC I had never heard of this company, nor had I received anything in the mail from them. On XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX, I got the same repeated text message from them trying to collect the debt which they had yet to verify with me. On XX/XX/XXXX I actually reached out per the number on my credit report the phone number on XXXX is XXXX on my XXXX the number is completely different and then also this number that's texting me is different its XXXX XXXX XXXX. This was very confusing and to top it all off there are three different entities trying to collect. You have CKS XXXX reaching out CKS Prime Investments LLC Reaching out and also Velocity Investments LLC. This has really been frustrating because my credit report says CKS Prime Investments but these other companies are reaching out about the same debt. When I called on the 8th I requested a debt validation letter and also the original Contract with my signature from the original creditor and I have yet to receive anything. I have reached out multiple times requesting this information and haven't received it yet. on XX/XX/XXXX I even texted the number that text me requesting it and in the text it says They reply to them. I will attach. By law they were suppose to give me this information by 5 days in which I have 30 days to respond to it. This has not happen. On XX/XX/XXXX I called at XXXX am, they were closed but I left a voicemail asking for the same information and never heard back. I also called today XX/XX/XXXX and left a voicemail requesting that Information again. 
I want this account removed and deleted and not put back on my report or resold. That is illegal, According to 15 U.S.C. Sec1681i ( a ) if proof cant be provided it must be deleted Secondly The reporting on this account is also not accurate and up to date across the board with all three credit reporting Bureaus which I have disputed with them and it still has not been fixed. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 602 A States I have a right to privacy 15 U.S.C 1681 602 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

Please remove this account.