davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, and Trans Union ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. 

It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

Please be advised that the alleged debt that you are attempting collect is uncollectable for the following reasons : XXXX. Creditor is in breach of any alleged agreement that it claims I am bound by. 
2. Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it.

3. Due to the breach and lack of full disclosure, you are attempting to collect an alleged debt from me, you are committing false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud.

4. Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account that you claim I am bound by. This transaction is a securitization. 
XXXX. Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are attempting to collect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Per FCRA as a federally protected consumer, I am asserting my rights under 16 USC 6802, 16 USC 6803, 16 USC 6804, and 16 USC 6805. 

The accounts listed below are reporting incorrectly across XXXX, EQUIFAX, and XXXX. 
I previously disputed these accounts through the companies as well as the agencies. I also submitted a complaint on XX/XX/XXXXXXXX 
However, the accounts were verified by the agencies. My complaint was closed unsatisfactorily. 
I question the accuracy when the XXXX agencies are all reporting different information. 

The accounts are as follows : XXXX The agencies are reporting XXXX different dates of last activity, different dates of last payment and different payment histories. This account is also listed as a charge off. A charge off is a certificate of indebtedness. Therefore it is income and can not be listed on my credit report. Under Privacy Act of 1974. Please remove this account immediately from all three agencies. 

XXXX The agencies are reporting different payment histories, different dates of last activity, and dates of last activity. I was never late on this account. The law states it is illegal to report transaction history. Please update payment history in your records. 

XXXX XXXX  This account is not reporting correctly across the XXXX bureaus. There are different dates of last activity listed, incorrect payment status listed, incorrect payment history listed. Please remove this account from all XXXX agencies immediately. 

Another account is listed on EQUIFAX that just says original creditor XXXX. It is listed as a collection account. I have never had a collection account with XXXX. Please remove this account from Equifax immediately. 

There is an inquiry listed on XXXX, EQUIFAX, and XXXX inquiries listed on my report with the date of XX/XX/XXXXXXXX  I did not authorize this. Please remove this under 15 USC 1681. 

Please see credit report attached as evidence.
Consumer complaint received 2023-12-14
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)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 Sec 604 Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2018-10-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-03-22
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. (NY)

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 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 2023-12-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received a {$150.00} Amex e-gift card on XX/XX/2023. According to Amex, the card is accepted at ALL online retailers who accept Amex as long as the expiration date and security code is provided. I have tried using my gift card online at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All transactions were declined due to security issues although when I check the balance on the card it is {$150.00}. The purchases I tried to make were well under {$150.00}. I called Amex several times and was told misleading information, ie. that I should upload the gift card to my XXXX XXXX XXXX  and i could make purchases from there ( did not work ) ; that i could use the card to pay off my regular Amex account balance ( not true ) ; that I should try to make a purchase at another retailer ( I've tried MANY MANY retailers and spent hours online shopping only to have the purchases declined over and over! ). Furthermore, I see that many many other customers have the same complaint, that the Amex cards are useless. I am now stuck with a {$150.00} virtual card that is worthless, and Amex has run off with the money! I even tried using the gift card in the online app for my building 's laundromat! Even THAT got declined!!!!!! Amex gift card representatives are no help, they read off a script and consistently say " try it at another retailer. '' How many retailers am I supposed to try??????
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This morning I had {$7600.00} in my checking account at Citizens. At some point today, Citizens took {$5400.00} out of my available balance and put it as " pending ''. My account now has an available balance of {$2200.00} instead of {$7600.00}. I did not authorize this action by the bank.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc. (NC)

On XX/XX/XXXX I contacted sezzle to let them know that my bank account link for payment had experienced Fraud on it and that I would need to adjust payment made to sezzle until this fraud case was resolved. On XX/XX/XXXX XXXX let sezzle know again with screenshots of conversation with my bank of the error and issues. Sezzle did not respond and continued to draw payments up until one finally failed on XX/XX/XXXX. On XX/XX/XXXX they sent me an email saying that my concern was to complex and they would send me to a higher up. And push all due dates back by two weeks. This did not happen Sezzle continued to draw bi-weekly payments out till XX/XX/XXXX. On XX/XX/XXXX a month after being sent to a higher up, I finally received a response that was not to my question at all. It pretty much said I couldn't make a purchase because I hadn't paid the account in full. I responded back multiple times on the XXXX. On XX/XX/XXXX I was told all payments would be pushed back by 4 weeks. I was also told if I needed additional assistance to reach back out to sezzle. On XX/XX/XXXX I was sent a notice that sezzle would be reporting my late payments to the credit bureau although they had just agreed to push all payment dates back. On XX/XX/XXXX I reached back out to Sezzle because I had been told previous late fees would be reversed on the account due to their delay in response and the financial issue. No late fees were reversed on any of the accounts. I also asked Sezzle for a list of all balances due and when these would be processing so I could inform the bank and keep detailed track of what was processing when. Sezzle did not respond. I reached back out on XX/XX/XXXX. Sezzle did not respond. Sezzle has continue to take bi-weekly payments out on the account. Yet it seems none of the purchase which are broken into 4 bi-weekly payments have been paid in full yet. I have yet to recieve any clear detail of what has been paid to what accounts and how much left is due. The two week push back nor did the four week push back go into effect and none of the late fees were reversed by this company. Now on XX/XX/XXXX Sezzle has reported to the credit bureaus that I am 90 days delinquent on the account and 90 past due which is just not possible if all factors were applied. If they expended all pay dates by 6 weeks in accordance with our multiple conversations. Then I could not be more than 2 weeks behind on any one account. It also does not explain the multiple payments that have come out of my account since XXXX complaint. I have paid Sezzle {$970.00} since XXXX XXXX. According to their app I still owe them {$480.00}. Although I can not see payments full amounts that was paid to any one account. It seems things were taken at random and applied and in no order. some payments were skipped over and then applied the next one. In my attached documents folder you will see multiple emails between me and Sezzle and agreements that were made.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc. (MN)

I have spoken to this company several times since XX/XX/2021, Sezzle. They have been reporting the same information to my credit report for the last 3 months stating I owe {$430.00}. When I dispute this information through the 3 credit bureaus they report back stating my information as accurate when I show proof that I owe no such thing. When I reached out the Sezzle they have gave me the run around stating they have escalated this problem to the credit bureau team and it will get fixed that has not happened since XX/XX/2021. Then they said I will have to close out my whole account and reopen it and maybe that will help. This company also is not reporting that I am paying them as far as payment history. It is now XXXX and the same information is there and I actually owe {$53.00}. I have told Sezzle support in email I am no longer addressing this problem with them this has gone too far.
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

Mohela is refusing to accept my final signature for PSLF forgiveness. They claim it is incorrect, however, it is clearly in the qualifying signature area as : '' A signature drawn by hand and then digitized and embedded in the document Aside from the physical signature option, XXXX XXXX XXXX allows you to provide the acceptable signatures mentioned above using its standard suite of electronic signature options '' I confirmed with the signer that this was the type of qualifying signature she used. Mohela is, once again, attempting to defraud me of my forgiveness. I have spent over 21 hours on hold or with their reps in 3 months due to incompetence like this. What working adult has that type of time?!?
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO Bank, N.A. (SC)

XX/XX/XXXX I sent an ACH money transfer ( {$18000.00} ) from my account at XXXX to XXXX XXXX XXXX XXXX owned account at BMO Bank XXXX XXXX XXXX XXXX XXXX, IL XXXX. The purpose of this transfer was to transfer funds from my checking out into my brokerage account with XXXX XXXX XXXX. I followed the instructions on XXXX XXXX XXXX website that instructed to send a transfer to BMO Bank routing : XXXX XXXX XXXX acct. num. XXXX. 
XX/XX/XXXX I contacted XXXX XXXX  ( via email and via phone XXXX ). to see if my funds were available. 
XXXX phone number is 'unofficial ' and they do not answer the phone. They are supposed to return voicemail but they never do. They do usually respond to XXXX. 
XXXX XXXX stated they could not located the funds. 
I contacted XXXX : they said the transfer was successfully sent to BMO ( XXXX ). 
I contacted XXXX XXXX again and they asked me to get from XXXX a trace number to locate the funds. 
I contacted XXXX and got the trace number. 
I contacted back XXXX XXXX and they would not be able to locate the funds with the trace number. XXXX XXXX recommended to cancel the transfer. 
XX/XX/XXXX I contacted XXXX to cancel the transfer : I was told it was too late because it was already received by BMO. So they suggested to file a dispute with 40 day resolution timeframe. 
I contacted BMO 3 times. They said : 1 ) they can not find an acct. num. XXXX with their bank 2 ) they can not disclose information on their customer ( XXXX XXXX XXXX ) 3 ) they can not find anything with trace number ( XXXX ) which XXXX has provided. 
XXXX XXXX XXXX is now not responding to my emails. I left another voicemail and they are not calling me back.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CA)

I wanted to transfer my money from BMO ALTO to a XXXX XXXX account, which has been established within my BMO ALTO account, which was opened in XXXX, XXXX. 

I have spent hours on hold to speak with an agent authorized to unfreeze my account. I have not once talked to any agent that can assist me. After being on hold for around XXXX minutes, there is a message stating there is no one available to help, leave a message. 

I have left over XXXX messages over XXXX  days. 

No call back. 

I have over XXXX in this account and I need access to it. As of now, I can not even sign in to the account, as it is frozen.
Consumer complaint received 2018-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Complaint : NOT OBTAINING THE DISCHARGE PAYOFF LETTER OF MORTAGE FROM BANK ( Citizen Bank ) Ref XXXX I am writing to complain against Citizens Bank for the lack of action to furnish the " discharge of mortgage letter issued by the Deeds Registry at XXXX County in New Jersey. 
In earlier XXXX I sent the last payment of the mortgage in the mail with an additional fee to process the discharge of the mortgage. I was told to wait a month to receive that letter in the mail and as of today I have receive nothing in the mail. I called two times to the Loan Pay Off inquiring about the status of the letter but I was asked to keep waiting and I was assigned a reference number ( as showing above ). On XX/XX/XXXX, I sent a certified letter to the Loan Pay Off Department and a copy to the CEO and President of the Bank Mr XXXX XXXX to demand the letter. Just a week ago somebody contacted me from the corporate office Mr. XXXX XXXX, he left a voicemail at home and since then he did not return my calls. I do not need to speak with anybody else just I am demanding Citizens Bank to  produce the discharge letter of my mortgage at once. 
Thank you, XXXX
Consumer complaint received 2018-10-25
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (OH)

My account came low and. Got overdraft. I made deposit .. but PNC charged me overfraft fees and NSF reverses fees.  Figuring everything up.. they charged me doubt the amount for it all. I was {$1400.00} negative and they charged me {$2200.00} .. ten they return few things and charged me twice for reverses fee ins twice for overdraft fee for one item.. it makes more sense to cover the check and left me pay one fee which is the overdraft fee..
Consumer complaint received 2024-01-13
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. (CT)

When I investigated my credit report, I realized that some of the information was erroneous.3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-10
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. (SC)

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.

has violated my rights. Or 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CT)

This is my third attempt to try and rectify what has been happening. Nelnet keeps reporting my loan payments as a credit limit decrease. I have a student loan which is an installment loan, I do not have a credit line with them. Last time, they offered me information on how credit scores are reported, which was no help because they are incorrectly reporting my payments as a decrease in a credit limit. Which is drastically affecting my credit score and making it drop XXXX points today. They are also reporting this decrease in credit limit on a loan that was taken out back in XXXX. So I am not sure what is going on but would appreciate assistance