davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (NV)

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong.

I am just saying that I am not 100 percent sure if they are. also I read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something please called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything are missing or not correct on them.

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX Account Number:XXXX. Verification : 'Cancel contract. please provide the original contract or delete! 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (WI)

Back in XXXX I ordered a product called XXXX - flexible blue tooth led screen. From XXXX XXXX XXXX XXXX. That evening I was informed by my bank that the transaction was denied for fraud protection reasons. So I requested it be canceled. Paypay.Inc of which I was going thru took it apon them self 's to process the order thru a back up payment option, which I did not authorize. I contacted them about it and they temporarly refunded me the amount for the purchase pending a review of the case. They said they contacted the seller and have since said the item was delivered and are requesting the money be sent back in return. I refuse to do this for the fact that to this day XX/XX/year> I have not received the product at my residence. I have worked for the XXXX Postal Service for XXXX yrs and have search for this item and can see where it is said to be delivered but never has it showed up at my residence and my wife can vouch for that. It may have been delivered to the wrong address or stolen but I can not provide proof of that. 

Thank you
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-18
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. (VA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get correctedXXXX 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
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA (NY)

This account is invalid. FNB Omaha needs to verify under oath that this claim is valid, freeform any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

FNB Omaha XXXX XXXXXXXX
Consumer complaint received 2019-08-06
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. (UT)

XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. This was included in my bankruptcy and should not be on there as an active collection. Not to mention the last activity on said account was back in 2012 putting it past the statute.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-19
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. (NY)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
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. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO (VI)

Banco Popular XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I consumer have a problem with Bank above. On prior descriptions dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These Occurrence ongoing i discovered Fraudulent Activities on my Checking and Saving Account without my Consent. Funds was not Handled or Disbursed as Instructed to my Monthly Merchants Accounts it caused me the consumer high fees charges and late fees. Due to bank Errors i consumer tried to resolved dispute but company FAILED and REFUSED to work a relationship with me the consumer. Notice it caused me Financial Reputation as a truly valued Consumer. I am asking to clear my Name and funds with a Refund back to my Account.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SCA Collections, Inc. (VI)

I choose to dispute a false claim from SCA collections in regards to a claim of {$620.00}. The XXXX XXXX XXXX allowed me to dispute 3 accounts totaling the XXXX. I was given an account number from SCA to pay the bill however the account number given is not valid. I need a dispute letter from XXXX so I can proceed to contest this payment and set my credit record free. Thanks for your help pertaining this matter.
Consumer complaint received 2023-09-20
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. (FL)

Dear Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number for this incident [ XXXX  ] As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information. 

I hereby request the immediate removal of the following accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference number [ XXXX ].
Consumer complaint received 2024-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (MO)

In XXXX of XXXX, somebody got a hold of my identify and created an account through XXXX  under my name. Through this account, they ordered a list of items using credit. After a few months, XXXX closed the account and escalated to the debt collectors ( XXXX ). At this points the person who stole my identity created an account through XXXX for {$380.00}. When the amount wasnt paid to transworld the debt was then escalated to Amsher. 2 different police reports have been filed. 1 through XXXX and 1 for XXXX. I have also submitted identity theft claims for both XXXX and XXXX. Amsher sent me and affidavit that I have filled out and returned to them
Consumer complaint received 2024-07-18
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. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX contacted USAA because there was a deposit of {$3000.00} into my savings account that I did not make ; I further contacted USAA on XX/XX/23 again because of other deposits/ withdrawals of {$5000.00} ( twice ), {$8000.00}, {$1000.00}, {$4000.00} being make and withdrawn from my account. Deposits and Withdrawals on the same day. These transactions were coming from accounts I DO NOT own or know about. My savings account has left it in a negative {$8300.00} which USAA Fraud department states I owe and liable for the amount! 
Where is USAA fraud department due diligence and looking into the history on my account and seen only XXXX deposit comes into my saving account from Social Security on a monthly basis. 
On XX/XX/23 I received a very unprofessional, rude call from XXXX in Fraud department letting me know they have completed a review of my account and concluded there was no fraud involved and I was liable for the - {$8300.00}. They will close the saving and checking accounts ( XXXX ) I have and keep the proceed of {$2900.00} to offset the negative balance on account. This is a SCAM and obliviously USAA doesnt have the software to prevent these issues or Fraud department takes it upon themselves to accuse a XXXX year member of theft! USAA is stealing my money by keeping my fund to recover their error!
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

I am filing this complaint against NelNet for violating my educational privacy rights under the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ) and the implementing regulations ( 34 CFR Part 99 ).

Detailed Explanation : 1. Background Information : NelNet has improperly disclosed my student loan information to third parties, including credit reporting agencies, without my consent or proper authorization. This disclosure violates my rights under FERPA.

2. Legal References : Under 20 U.S.C. 1232g and 34 CFR Part 99, my educational records, including student loan information, are protected by federal law. NelNet, as a servicer of federally-backed student loans, is required to adhere to these privacy protections.

3. Impact on You : The unauthorized disclosure of my student loan information has negatively impacted my credit score and caused financial harm. It also represents a breach of my rights to privacy regarding my educational records.

4. Previous Attempts to Resolve : I have contacted NelNet previously to address this issue, but they have failed to take corrective action to protect my privacy rights under FERPA.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year> but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (MA)

We've been trying to get a loan modification since XXXX and they've come back 3 times asking for us to fill out the same paperwork over again. They sent someone to our home twice with a big yellow notification taped to our door to call them when I'm working with a law firm and have provided all the information they requested. This is M & T Bank! They are harassing us.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-22
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. (FL)

Hi Experian , I RECEIVED A COPY OF MY CREDIT REPORT AND  I SEE  THIS FRAUD ACCOUNT THAT NOT BELONG TO ME  .
THIS XXXX XXXX XXXX XXXX XXXX XXXX  IS WHERE THE FRAUD CREDIT CARD IS ATTACHED AND THAT IS NOT MY ADDRESS.

DELETE THIS FRAUD ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT . 

ACCOUNT BALANCE IS XXXX  AND I NEVER KNOW ANYTHING ABOUT THIS CREDIT CARD .
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IN)

in XX/XX/XXXX, roughly XXXX of the month, XXXXXXXX XXXX XXXX in XXXX  was contatcted to come diagnose my air conditioner, and recommended replacing both furnace and ac unit XXXX financing was offered, and approved BEFORE unit was installed. unit was delivered and installed next day. 

We were told wed receive a bill, and card for future use. I bill Finally arrived XX/XX/XXXX, with a due date of XX/XX/XXXX. Around the XXXX of XXXX, until the XXXX of XXXX I received DAILY calls, 4 times a day requesting payment for a bill, I had never received. The bill was paid, XX/XX/XXXX, in the amount of XXXX again paid XX/XX/XXXX, for anothjer XXXX again XX/XX/XXXX, for another XXXX. I have received XXXX calls in 4 days for a account that was paid, and on XX/XX/XXXX a synchrony bank customer service clown acknowledged was PAID, and no paymeny due until XXXX was also told a late fee was removed and id receive no further calls. 

today is XX/XX/XXXX, and ive gotten XXXX calls today already for this account
Consumer complaint received 2024-08-21
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (FL)

XXXX XXXX XXXX XXXX XXXX  is closed because mislead predator abuse advertising and recluir abuses mislead school misconduct lied all the time to go to the school and say that I will make more money and when I graduate I make the minimum salary
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (NC)

On XX/XX/XXXX, I tried to make a final payoff for the amount of {$790.00} for my XXXX XXXX truck using the Westlake phone app. The online service gave me an error, and said it " could not process the payment '', and said to call customer service. I called and made the final pay-off over the phone that day for {$790.00}. The following day, my bank notified me that I was over drafted because I was charged twice! I called Westlake immediately to try to resolve the problem, and after some horrible communication issues with agent, he said I would be refunded. Today, XX/XX/XXXX, my bank account had still had not been refunded. I called Westlake, and they said I would not receive a refund for another five to six weeks! And it would be mailed to me in the form of a bank/debit type card. This is completely unacceptable! It was a mistake due to their app. I should have been refunded, to my bank in less than one week. Horrible service! I would not recommend Westlake for any loan servicing.
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.