davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
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. (KS)

I have inquiries on my credit report that I believe to be unverified and not valid. I have reached to all three credit bureaus ; XXXX XXXX, Experian, XXXX via letter mail with detailed information of the inquiries in question and have informed them of my issue and requested that they either provide me with proof and validation of these inquiries or remove them from my credit report immediately. Two of the three bureaus responded with copies of my credit reports and letters stating that they would investigate further. I have not heard back from XXXX. After allowing the bureaus 30 days to respond and complete their investigation, they reply with statements saying that the inquires in question can not be found or that the investigation has been complete and send more updated copies of my credit report. The credit reports clearly indicate the same inquiries I am disputing and they remain unverified on my credit. This is an ongoing issue between me and the credit bureaus since early XXXX of this year. They are not providing me with the appropriate information and have not removed any of the unverified inquiries from my credit report, resulting in a present negative impact on my credit score.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have inquiries on my credit report that I believe to be unverified and not valid. I have reached to all three credit bureaus ; Trans Union, XXXX, XXXX via letter mail with detailed information of the inquiries in question and have informed them of my issue and requested that they either provide me with proof and validation of these inquiries or remove them from my credit report immediately. Two of the three bureaus responded with copies of my credit reports and letters stating that they would investigate further. I have not heard back from XXXX. After allowing the bureaus 30 days to respond and complete their investigation, they reply with statements saying that the inquires in question can not be found or that the investigation has been complete and send more updated copies of my credit report. The credit reports clearly indicate the same inquiries I am disputing and they remain unverified on my credit. This is an ongoing issue between me and the credit bureaus since early XXXX of this year. They are not providing me with the appropriate information and have not removed any of the unverified inquiries from my credit report, resulting in a present negative impact on my credit score.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (FL)

Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding the handling of my account related to the deposit of a {$35000.00} insurance check, deposited on XX/XX/year>. TD banks decision to hold these funds until XX/XX/year> has caused significant financial hardship and a breach of contract on there part. 

The funds were intended for payment to a contractor for services rendered. However, TD Banks negligence in recalling the payment from the contractor on the basis of fraudulent claimsclaims which have been proven to be falsehas caused a considerable delay and interruption in my project. The funds were wrongfully withheld for an excessive amount of time ( 256 days ) despite the claims of fraudulent activities. Throughout this excessively lengthy process the money was still in TD Bank account. Giving no indication of reasonable cause to recall the money from the contractor to begin with. This decision caused irreparable financial and contractual damages, preventing me from completing critical tasks and honoring agreements with third parties.

I request that TD Bank provides a detailed explanation for this mishandling of my funds, If not I will have to explore seeking legal compensation for the financial consequences incurred as a result of this failure, including but not limited to penalties I have been subjected to for breach of contract with my contractor.

Your urgent attention to this matter is required, or I will be forced to explore alternative courses of action, including escalating the matter to relevant financial regulatory authorities. 

I trust that TD Bank values its customers and will take the necessary steps to resolve this issue in a timely and professional manner.
Consumer complaint received 2023-09-24
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fidelity National Financial, Inc (NM)

XXXX XXXX is the state counsel of nm for fidelity national title He made the loan the closing the hud title and escrow setup for my land contract I was not offered any other type of financing Bought a home with cash down, paying what I was told " arrearages '' of a mortgage by countrywide to make the payments and refinance 7 or 8 years after. 
I was given HUD statements on the moneies moved around to make things fit, by XXXX XXXX and XXXX XXXX and then I was asked if I know the last 4 of the sellers social security number which I did not, then I was told that the XXXX XXXXXXXX XXXX is modifying the loan with the prior owners????? after 4 months it was sold to us? 
The issue is that ieven if I put more down to be ahead of payemnts the loan never caught up and it ended in a foreclosure filing The REC balance to payoff was under XXXX and the bank had a " set aside '' money and a " new loan no cash " done in XXXX, which fidelity, where XXXX XXXX works, knew that it was already sold to another and that the prior 2 owners could not encumber the house, despite this fidelity shows as " insurreer " for the bank XXXX XXXX XXXX works there, he made the deal and despite that the title company covered this fraudulenty loan in XXXX. This loan is not attachable to my house, and this " judgment " of the dated loan XXXX in XXXX is not collectable, from us, maybe from the " investor clients of bank XXXX XXXX and XXXX XXXX '' not us, they have harassed annoyed and really messed my life and threatenned us for years and years because they CAN use their leveralge, call in a FAVOR they are huge banks and title companies, and they ahve established war against a feeble XXXX old lady and myself hwo have put all our savings cash which the banks used for interest and overight loan and have not accoungted for to setoff the loan in XXXX. They returned a third of the cash about XXXX and embezzled the rest, of XXXX missing in " suspense '' accounts that are for bank profit and threaten us to foreclosue on our home we have continued control of over 10 years and paid cash. Pleaes collect from your " borrowers '' who sign the loan, for a inrem foreclosure the title must be in the name of the debtor and we did not sign now or anything about the XXXX fha investor loan " new loan no cash ''. You hsould stop giving money to the salcedos in florida and really make sure the people livein the home before bleeding cash to them. I included my gas bill I lived and controled this home for over 15 years, there is no fha loan possible iafter XXXX with the XXXX 's and XXXX XXXX XXXX KNOWS THIS., Silence breeds corruption.
Consumer complaint received 2021-09-15
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possibleXXXX For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2021-05-19
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. (NV)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I REQUESTED ANNUAL FREE REPORT FROM ALL 3 " CRA '' ON XX/XX/2021 AND BEEN OVER 45 DAYS HAVE NOT RECEIVED TO HOME ADDRESS
Consumer complaint received 2023-07-13
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. (FL)

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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Consumer complaint received 2022-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (TX)

this collector has been calling everyday, i was told my medical bill was paid for by my XXXX insurance should have paid for it, but later, they submitted 2 derogatory remarks on credit report. So, i paid XXXX for settlement, but i was told the medical insurance paid for it. but i dont need any of this on my credit report. i would really like for them to refund me my XXXX if my insurance paid for it.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (CA)

No knowledge of acct. never received notice and need this removed immediately due to FDCPA and FCRA violations... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX I filed a claim with the Bank of America ( BoA ) Fraud Department about two fraudulent checking account transactions in the amounts of {$10000.00} and {$6000.00}. Both transactions were online bill payments to XXXX credit card accounts. I did not make this transaction. BoA said that it was initiated from a bill pay on my account. I have never used bill pay. 

BoA initially denied my claim on XX/XX/XXXX. I went into the local BoA branch on XX/XX/XXXX to get more information about my case.The banker called the BoA Fraud Department on my behalf. The banker explained that in order to appeal the claim denial, I needed to fax my XXXX Credit Card account statement showing that the BoA bill payments were not made to on my XXXX Credit Card account. 

I pulled my credit reports on XX/XX/XXXX and found there were two XXXX credit cards fraudulently opened in my name in XX/XX/XXXX. Those same accounts were closed in XX/XX/XXXX. I immediately disputed them with the credit bureaus, and froze my credit report on XXXX XXXX, XXXX 

Right now, I am awaiting a response from the credit bureau on my disputes, an update on the investigation from the police department, and reconsideration of my BoA claim. 

Please also note that it has been really hard to get consistent accurate help from BoA regarding my claim and I do not trust BoA 's handling of my claim. There has been attempts to change my email address on my BoA online account, in which I let the local branch know and they did not do anything about it. I have received fraudulent voice messages regarding my claim status. It's really hard to know who to trust in this situation.
Consumer complaint received 2022-07-21
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A fraudulent payday loan was made in my name. I became aware of the issue on XX/XX/2023. I received a letter from XXXX XXXX about debt collection. The company name is XXXX. I reported that this was identity theft/fraud to them as well as XXXX, XXXX, and transunion. I have put a freeze on my credit with all three reporting agencies. 
When I checked my credit report this shows as a bad debt.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sequoia Financial Services (CA)

I hired an agency to speak with Sequoia financial on my behalf since I have disputed this collection on my credit report with XXXX  and XXXX  at least a dozen times. XXXX  has since deleted the negative mark on my credit but XXXX  still has not. My report shows that this debt is from XXXX when it is from XXXX.
Consumer complaint received 2023-01-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

( 1 ) -my name is XXXX XXXX XX/XX/XXXX my XXXX XXXX was reduced from XXXX to XXXX for the simple fact of disputing a balance of {$140.00} dollars which was paid on time affecting my credit XXXX points when making the dispute the agent at no time informs me that if the credit card in this case capital one does not respond to the dispute the system would automatically not recognize the account and it would affect me which happened that way I have called capital one and XXXX  and the last one told me provide me an item number XXXX They have agreed to call me to solve my problem and they have never done so. I hope you help me solve this problem, thanks. ( XXXX ) as recently as today, XX/XX/XXXX, Capital One reported the following to the XXXX and XXXX credit bureau * the balance of the Capital One account decreased between XX/XX/XXXX and XX/XX/XXXX, the balance of its Capital One credit card decreased from {$100.00} dollars to {$0.00} dollars. Good job, it looks like you are using less than 10 % of your card 's credit limit. Credit card utilization below 10 % will generally cook up great. ( result of doing things right XXXX points were deducted from my XXXX XXXX call XXXX and they are not responsible for what happened call capital one and they are not responsible for what happened ( these XXXX problems with my credit card ended in XXXX from Capital One has tremendously affected my peace of mind. I have always tried to keep my payments 100 % on time and it is not fair to see myself affected in XXXX month by XXXX points of my credit due to negligence ( I no longer know who to turn to or who to talk to about both parts credit bureau and capital one card ( I trust the laws and justice of this country and I know that everything will be solved in your hands thank you )
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (NC)

I write to dispute certain information in my file resulting from items that I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA.15 U.S Code 1681c-2- Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Account XXXX XXXX acct # XXXX in the amount of XXXX this account was opened fraudulently.
Consumer complaint received 2023-03-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

Nelnet intial loan balance changed from time of loan after paying on time for 5 years the loan a=mount is going up and not down. At onetime the loan was going down and then all of a sudden I check the balance it was XXXX more than the previous. I inquired about it to them and Department of Education and no one seems to know why. The initial loan I took out was less than XXXX. I have paid over XXXX and owe almost XXXX.