davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates (GA)

My family of 4 got XXXX Testing done by XXXX XXXX XXXX on XX/XX/XXXX. When I registered each of my family members, I put the insurance member for each person on the registration information. This was verified at the appointment. Unfortunately, the facility NEVER ran my insurance information. I called and asked about it after receiving an invoice and was told that they haven't had to chance to file a claim with the insurance company and will soon. After the 2nd invoice, I called them and my insurance provider who verified that no claims for XXXX testing has been on my insurance. After it was sent to collections, the collection company told me to call my insurance and put a claim for the testing. I did call my insurance company and was told that the provider needed to put a claim and not myself. I told the Collection Company ( XXXX XXXX XXXX ) that they needed to reach out to my insurance company and they also did not. Now I have FIVE ( 5 ) not four charges for {$170.00} on my credit report. I called and left messages with XXXX XXXX XXXX multiple times for the billing department and no one called me back. Yesterday ( XX/XX/XXXX ) I was informed that my insurance claim was denied for lack of service. I provided proof ( Attached ) that a month prior to the service and eight ( 8 ) months after the service EVERYONE else was putting claims and getting paid on my insurance proving that they NEVER filed a claim against my insurance as they stated. I informed the Collections Company AND XXXX XXXX XXXX that due to the Federal provisions, as long as you had insurance during the pandemic they would pay for the XXXX test ( attached with newspaper article confirming that testing is 100 % free with insurance ). I would like ALL FIVE ( 5 ) collection items to be removed from my credit report without ANY prejudice and damages to my report or myself immediately.
Consumer complaint received 2023-07-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-20
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-09-06
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. (GA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.
Consumer complaint received 2015-11-08
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (FL)

PAYPAL ... PAYPAL ... PAYPALI am sure you know that paypal holds moneys from small sellers at will by setting up their own policies for disbursements. It is supposed to be for the protection of buyer and seller, but it is really just a scam to increase their balance in interest bearing accounts. For XXXX sakes, how long are you going to allow this practice? If it 's legal to do this because they are not really a bank, then at least bring it out in the open. I am XXXX years old and trying to augment my Social Security payments and they are squeezing me.Their Corporate Chief Legal Counsel works on " human rights '' pro-bono. What a morbid joke! 
XXXX XXXXXXXXXXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I requested that Experian, XXXX, and XXXX reinvestigate the following accounts : XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, and XXXX  XXXX XXXX original creditor : XXXX XXXX XXXX # XXXX. 

However, they have stated that the information is complete and accurate. I disagree, as the open date, date of last activity, and other information is incorrect. According to 15 USC 1681 ( 5 ), consumer reporting agencies are required to modify accounts that are not reporting correctly. 

I have also included the following sections of the Fair Credit Reporting Act ( FCRA ) in your rewording : 15 U.S.C. 1681 section 602 A. This section states that you have the right to privacy, including the right to have accurate information in your credit report. 
15 U.S.C. 1681 Section 604 A Section 2. This section states that a consumer reporting agency can not furnish a credit report without your written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section. This section states that a consumer reporting agency can not make a consumer report containing any information that is more than seven years old, with some exceptions.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested that XXXX, TransUnion, and XXXX reinvestigate the following accounts : XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, and XXXX  XXXX XXXX original creditor : XXXX XXXX XXXX # 1904. 

However, they have stated that the information is complete and accurate. I disagree, as the open date, date of last activity, and other information is incorrect. According to 15 USC 1681 ( 5 ), consumer reporting agencies are required to modify accounts that are not reporting correctly. 

I have also included the following sections of the Fair Credit Reporting Act ( FCRA ) in your rewording : 15 U.S.C. 1681 section 602 A. This section states that you have the right to privacy, including the right to have accurate information in your credit report.

15 U.S.C. 1681 Section 604 A Section 2. This section states that a consumer reporting agency can not furnish a credit report without your written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section. This section states that a consumer reporting agency can not make a consumer report containing any information that is more than seven years old, with some exceptions.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

So on XX/XX/XXXX of 2023 I had in my account {$2000.00}. I sent them overseas through XXXX the person received the money and got it but I noticed on my account three days later that my account has XXXX and so I was from where did I get this money? It turned out they are charging me {$2000.00}. They also send it to Collection so I can pay it without my permission without me knowing without me knowing anything to be honest I was just so shocked how this bank treats customers because I dont know whats going on. I dont know these charges. How are they going? How is what? whats happening? This Bank drove me crazy, that I opened a new account with a different bank I couldnt handle the stress because of the fees and I didnt know how was the money out and back into my account and then with a minus and then it was not clear it was not clear at all.
Consumer complaint received 2023-09-06
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)

My name is XXXX XXXX, and I am filing a complaint because my rights under the Fair Credit Reporting Act have been violated by XXXX XXXX XXXX. In XXXX of XXXX, I became aware that XXXX had reported a Credit card charge-off on my credit report. I disputed this account and requested through the three credit burease and to XXXX directly if that could produce a signed contract that is needed to verify an account according to the FCRA. They did not have the required documentation to verify this account. I went through five rounds of reinvestigations over the course of two and a half years and not once were they able to produce any documentation that would verify this account in accordance with the FCRA. It has now been over seven years since this account was listed delinquent and it is time-barred from being reported on my credit report. After notifying XXXX of the law and their inability to continue to report this debt, I was met with an act of retaliation. XXXX recently flagged that account as a charge-off, again, even though it was charged-off over seven years ago. How can an account be charged-off more than once? This is clearly inaccurate and is a deliberate act to harm me for the protected activity of requesting verification of a debt. This retaliatory act has caused my credit score to drop significantly and has defamed my character. This caused me to be denied for a home and for lines of credit, leading to direct financial damages and permanent defamation of my character. My only goal was to get XXXX to follow the law, now I am paying the price. I am requesting that XXXX XXXX XXXX comply with the requirements of the Fair Credit reporting act and the Fair Debt Collections Practices Act and delete this time-barred account from my credit report. If XXXX refuses to follow the law, I will file suit for Defamation of Character, Retaliation, and Fraud under the FCRA.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-06-14
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. (IL)

On XX/XX/2023, I filed disputes on my credit reports with Experian, XXXX and XXXX after learning that I had been the victim of identity theft, with an unauthorized credit account being opened for {$1000.00} in my name with XXXX. I filed my FTC identity theft complaint, as well as my police complaints, along with my filed disputes. By XX/XX/2023, XXXX and XXXX had removed the unauthorized account from my credit reports. 

Experian subsequently updated my account to also remove this unauthorized account, only to subsequently add it back to my report and the " credit grantor subsequently certified the accuracy '' of the account. When I attempted to submit additional documents in support of my dispute, namely a document from XXXX stating that I am not responsible for the account, which goes entirely contrary to what Experian claims the creditor told it, Experian told me that it would no longer be investigating my dispute and accused me via email of either : ( XXXX ) materially misrepresenting this fraudulent activity ; ( XXXX ) agreeing in writing that the information was blocked in error ; or ( XXXX ) knowingly obtaining or should have knowingly obtaining possession of the goods pursuant to this transaction. No other credit agency has found this to be true and I have a document from XXXX stating that I am not responsible for this account that Experian is unwilling to review.
Consumer complaint received 2023-09-05
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. (GA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Deposited an employer check for a new job and the e-check was altered ( fictitious ) and the bank closed my account. The first check from this employer cleared after an 11 DAY HOLD and the money was released. They have held all my money and have closed my debit card. They allowing deposits but why are they not allowing ach payment withdrawals? It has been over a month since they have closed my account and have not sent me my money. 

They want me to go into the branch but I can't make it in the time they are open.
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MN)

I submitted a payment for the full amount of all of my student loans on XXXX Looking through my email I never received an email saying my payment had been received. The payment continued to process for 2 days. During this time I continually checked my Nelnet account and the account showed the full amount of my loans was paid. Apparently on XXXX the payment was returned to me due to a possible typo in the account number. I had checked the account number three times before submitting the payment. XXXX  was a Wednesday. My Nelnet account still showed the entire amount of my loan had been paid off. OXXXX XXXX, a Saturday ( Nelnet is not open ), I was sent a letter saying my payment had been returned to me and I still owed the full amount of my student loans. My loans were already starting to accrue interest. Keep in mind I paid in full before XXXX when student loans began accruing interest again. I called Nelnet and listened to the automated voice tree for nearly 15 minutes, before finding out Nelnet was not open until Tuesday as Monday was XXXX XXXX. By Tuesday my loans had accrued more interest. I called Nelnet and was on hold for 1 hour 54 minutes before speaking to a servicer. I was then told that I had made a mistake so my payment had been returned, and I was responsible for the interest accrued during that time. I explained to the servicer that, had I received the letter the day my payment was returned, I would have again paid off the loan before XX/XX/XXXX. Instead my loans accrued interest for 5 days before I could contact someone to talk about what had happened. I was told again the interest was my fault and I would have to pay it so I asked to file a complaint with someone. I was put on hold again for over an hour when my phone disconnected the call. I was not called again even though it had taken over 3 hours to get to the point I was, the call tree said it would be a 135 minute wait to talk to someone again. So now I'm hoping that my payment will go through this time and hoping not to accrue even more interest while waiting for the payment to post. This is a crooked business practice.
Consumer complaint received 2023-09-05
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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 an 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