davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX and I am reaching out to you, because I have an issue with the way my credit utilization is being reported. My score was approximately XXXX as of XX/XX/2023 and my score is XXXX. The credit bureau stated that my credit utilization was XXXX XXXX which is incorrect. I only charged XXXX XXXX of one of my credit cards. My other credit cards all have a XXXX balances. Per the information I received as to how to calculate your credit utilization ratio to determine your credit utilization is a follow : 1. Add up the balances on all your credit cards.

2. Add up the credit limits on all your cards.

3. Divide the total balance by the total credit limit.

4. Multiply by 100 to see your credit utilization ratio as a percentage. 

Based on this, I am using XXXX XXXX of my credit. How can my score go from XXXX to XXXX within 1 month solely based on my having a higher credit card balance on one card and no balance on all other cards. I am starting to think this is purposely happening. Some of my family is experiencing the same issues. Based on research, as long as you stay below 25 % of your credit card usage. Your score should not go down. 

Not only that, my son is an authorized user on my card, which now has decrease his score by XXXX points. 

I would appreciate your assistance in this matter, so that my score can go back to XXXX where it was. I will end up contacting my attorney regarding this, because this is not right. 

I have attached my credit score history so that you can see.
Consumer complaint received 2023-07-10
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

First, no one from Nelnet has responded to me in months, including requests on whether my information was part of the data breach. 

Second, my SAVE application was processed and completed on XX/XX/23 ( before interest restarted ). Despite this, Nelnet is still " processing '' my application, causing my account to accrue thousands of dollars of interest. I have followed up multiple times for an update over 2 months and received an automated email that Nelnet would not be answering emails due to large volume. 

Third, the statements Nelnet provided me is missing more than {$50000.00} of my unpaid loans. For this particular issue, I have spent XXXX hours on hold waiting for someone to answer their call center line. Nelnet is a scam and has repeated predatory behavior against borrowers, including sending me statements claiming that my outstanding amount owed is {$58.00}, XXXX and not my actual amount owed of {$120000.00}, despite my numerous follow ups to confirm. In addition to stating an incorrect amount, this statement also states incorrect interest rates on the loans it does list ( which are fixed rates ) and incorrect and inconsistent interest calculations. 

This company needs to be held responsible for their unethical business practices.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 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
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal dispute regarding the inaccurate and misleading information on my credit report. I have recently reviewed my credit report and have identified a significant error in the reporting of four accounts held by XXXX XXXX  each identified by the following account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. It has come to my attention that these accounts are erroneously listed as " open '' when they are, in fact, collections accounts, which should not report as open. 

I respectfully request that you investigate this matter promptly and take the necessary steps to correct the reporting inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The incorrect reporting of these accounts as open severely affects my credit score and financial standing. 

I urge you to take the following actions : Initiate a thorough investigation into the reporting status of the aforementioned XXXX XXXX  accounts. 
Immediately delete these misleading entries from my credit report. 
As per the FCRA, it is your responsibility to conduct an investigation within 30 days of receiving this dispute. I expect a swift resolution to this matter in compliance with federal law. The accurate reporting of my credit information is of paramount importance to my financial well-being, and I believe that addressing these discrepancies is vital in maintaining the integrity of my credit report. 

I kindly request that you provide me with written confirmation once this dispute has been resolved, and the necessary corrections and deletions have been made to my credit report. 

Thank you for your immediate attention to this issue. I trust that you will act promptly and decisively to rectify these inaccuracies and ensure the accuracy of my credit report.
Consumer complaint received 2016-06-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

When accounts are reported as being sent or sold off to a debt collector, they are considered to be in " collections. '' This usually occurs when a creditor is having difficulty collecting payments on a debt. A collections account will typically stay on your report for about seven and a half years from the date it first became late. 

According to this statement " seven and a half years from the Date it FIRST BECAME late. Applies to me in this case
Consumer complaint received 2017-03-21
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: CU Recovery, Inc. (OH)

XXXX from CU Recovery ( a collection agency ) calls me multiple times per day, calls me during work hours, calls my work phone despite being sent a cease and desist letter on my behalf from XXXX on XXXX/2017 and also a cease and desist text from me personally on XXXX/2017 at XXXX a.m. that asks for communication via US Postal Service only. I received the latest call from him XXXX/2017 AT WORK ON THE COMPANY PHONE at XXXX a.m. ( He has spoken with my boss - the owner of the company in the past. )
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of XXXX  and XXXX
Consumer complaint received 2023-06-21
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. (CA)

The following companies are reporting fraudulent opened accounts that were opened without my consent or knowledge and I demand these accounts be removed or I will pursue legal action. Under the fair credit act section 609 I am protected. I have already filed a complaint with the XXXX XXXX XXXX  and identity theft gov. 

XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX Us Dept of Education is reporting a fraudulent account that was opened on XX/XX/XXXX The best service company is reporting a fraudulent account that was opened on XXXX XXXX, XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX XXXX
Consumer complaint received 2023-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (AZ)

I was in a non fault rear end collision in 2019. All medical bills were handled with an insurance settlement approximately 6 months later. 4 years after I got a random letter from a collection agency saying I still owe on one bill. Which was also paid. They immediately reported to the credit agencies but now after 3 months of repeated attempts to dispute the debt and contact the collector, I have had zero response from said company.
Consumer complaint received 2023-09-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GLOBAL SOLUTION BIZ LLC. (MO)

This company texted me impersonating a government agency stating I am being investigated for fraud and provided a " case number ''. They then texted my ex husband who I did not provide contact information for as he is in no way involved in my finances. I then called the number provided to point out the abuse and the representative became irrate and began cursing at me so I ended the call she continued to text and call me leaving harrassing voicemails and texts.
Consumer complaint received 2023-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XX/XX/XXXX Fifth Third Bank Loss Draft Dept received an insurance claim check for {$42000.00}. I submitted the required documents multiple times and they deleted them and changed them from completed and accepted to need additional documentation a few times. I have emailed, called and spoken with them in person, multiple times. I received a message saying the funds were available in an escrow account on XX/XX/XXXX. The partial check # XXXX in the amount of {$31000.00} was issued on XX/XX/XXXX per the My Claim Funds portal. I called the LD Department and they said no, the check has to be mailed. I received a message on XX/XX/XXXX saying it was processed. On XX/XX/XXXX I again called to ask why I had not received the check. I was told it was mailed on XX/XX/XXXX and it was not their problem, that I had to take it up with the post office. The post office has no info because the tracking says the label was created ( I purchased this mailer ) but not given to the USPS. My contractor has now stopped work until a payment is made. He has been working, in good faith, since the middle of XXXX because the insurance company approved and issued the check on XXXX. My house is torn up and in the middle of the repair phase still. 
I have spoken to the local Branch and they have also attempted to get help for me from this Loss Draft Department and have also become frustrated. I requested to have this escalated through the local branch on XX/XX/XXXX and am waiting to speak with someone from that department. It is my understanding that Loss Draft is part of 5/3 bank, however, it appears to have no governance by the company 5/3. I am being disconnected after sitting on hold for long periods of time to speak with someone at LD, and when I do speak with them often times they sound half asleep with noise in the background that sounds as if they are at home. I need help to get my home repaired ASAP. I have to go this entire process again for any future checks that are received. I have had to beg, literally, and still I am living in a mess solely because of Fifth Third 's Loss Draft. My claim is " monitored '' because they feel the average homeowner is not responsible enough to handle an insurance check and yet they have now lost a {$32000.00} check. They refuse to do anything other than cancel the original check, resubmit, and mail it. If I want it faster than regular mail, I have to send ANOTHER prepaid envelope to them. I am looking at weeks again. This is not acceptable and is quite frankly, cruel, abusive and irresponsible as well as unprofessional. In addition to the documents below, I also have recorded phone calls.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/XXXX sent letters to XXXX, XXXX XXXX TransUnion disputing 6 Accounts they state were in collection but had actually been charged off. 
XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX - {$5000.00} XXXX XXXX XXXX - {$2600.00} XXXX XXXX - {$5800.00} XXXX XXXX  - {$6800.00} XXXX XXXX {$10000.00} As of XX/XX/XXXX they are still showing past due payment past the charge off dates. 

XX/XX/XXXX I am sending another letter to all 3 bureau 's asking them to delete the discrepancies as this is falsely manipulating the statute of limitations which is a FCRA Violation.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had and an existing compliant XXXX The compliant was closed but the Company did not reach out of respond to the compliant. When I tried to reach out to them, they didn't reply to the emails or voicemails and never picked up the phone.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Leap Credit, LLC (MS)

I have informed this company multiple times that this debt was discharged in bankruptcy. I have provided the bankruptcy information and my attorney 's name and contact information. I have requested they stop contacting me. The continue to call, text, and email. The bankruptcy was discarged over XXXX years ago.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX : XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are hard inquiry on credit report i have not allowed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (GA)

I am writing to file a formal complaint against Mercedes Benz Financial, the organization that originally financed my vehicle. My complaint pertains to their handling of the vehicle financing, which, as per my understanding of the Security Exchange Act, has raised concerns of potential violations, securities fraud and tax evasion. My promissory note/certificate of indebtness was securitizied and the company received full payment for the vehicle. it appears that Mercedes Benz Financial received a CUSIP number and engaged in trading activities. This raises concerns that the account should have a {$0.00} balance as the debt should have been fully discharged. According to the 10k Form XXXX XXXX XXXX XXXX XXXX is the Indenture Trustee with XXXX XXXX as the respective officer. On XX/XX/2023 I sent USPS registered mail # XXXX mail to XXXX XXXX, XXXX XXXX delivered on XX/XX/2023. I spoke to XXXX XXXX on XX/XX/2023 and was given his email which was sent and shows delivered. I have not received a response as of yet and my account is still showing a balance, which again should be {$0.00}.
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I called USAA for a cashiers ' check on XXXX for deposit on a new home. They confirm that it was delivered, but I never received it. Since the funds were already taken out, I now have no money for the deposit for the apartment and will become virtually homeless as a single dad with two kid, all because USAA will not own up to their mistake. They will neither assist with check cancellation or reimbursement for the funds, as their policy states clauses that prevent them from assisting me in any manner. I had asked them if they can assist by providing me the money so that I can pay for the deposit ( and when they cancel the check, they can deposit it to themselves ), but they are not willing to come to any compromise on this situation. This is my last resort to find any type of resolution.
Consumer complaint received 2023-10-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (FL)

I had a crown put on my wisdom tooth and when the crown was placed it had a hole in it. They were supposed to schedule me to come back and replaced the crown which they never did. Also, they did not tell me that I owed that amount until I was questioning them about the fee that they was charging me concerning another procedure. XXXX the office manager became very rude to me because she was charging me a higher fee than what she was charging my insurance company. Which she waited to provide the information to the insurance company and that is when I was told about the fee that I owed.
Consumer complaint received 2023-10-23
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. (MA)

they have gone to far out all the evidence that i have sent in of Fraud and their violating of me i have nothing else to say. this has become a legal matter civil and criminal. the lawyer 's will handle this. Experian has every piece of documentation, they probly did not bother to print them out.most likely ignored. I did stated that this person has done this before and got away with it but not this time they ( experian worker )
Consumer complaint received 2023-10-23
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. (PA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under Fair Credit Reporting Act 15 U.S.C.1681 section 602, I have the right to privacy. Fair Credit Reporting Act 15 U.S.C. section 604a part 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under Fair Credit Reporting Act 15 U.S.C.1666b, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.