davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to bring to your attention the inaccurate information present on my credit report. I demand that you take immediate action to investigate and rectify this issue. I have noticed that the following information is incorrectly reported : XXXX XXXX XXXX Date Opened : XXXX Balance : {$12000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. I remind you that the Fair Credit Reporting Act ( FCRA ) defines the aforementioned inaccuracies as billing errors that must be corrected. The FCRA mandates that all credit information reported must be accurate, complete, and up-to-date. I demand that you take immediate action to rectify this issue. I expect to hear from you within 30 days of receiving this complaint. If you fail to respond within the given timeframe, I will have no option other than to take legal action against your bureau. I urge you to take the necessary steps to rectify this matter as soon as possible. If you have any questions about my request or the credit information in question, please do not hesitate to contact me.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Subject : Request for Debt Validation and Verification Dear USAA FEDERAL SAVINGS BANK I am writing to request validation and verification of the debt you claim I owe, as detailed in the information on my consumer credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof that I am legally obligated to pay this debt. 
Please provide the following information : The amount of the debt, including an itemized accounting of fees, interest, and other charges. 
The name and address of the original creditor. 
A copy of the original signed agreement or contract that created this debt. 
Evidence that you are legally authorized to collect this debt on behalf of the original creditor. 
Copies of any judgments or legal documents related to this debt, if applicable. 
Proof that the statute of limitations on this debt has not expired. 
Confirmation of the current holder of the note, and if applicable, a copy of the note bearing my signature and documentation showing the transfer of the note to the current holder. 
A copy of the initial communication sent to me regarding the debt collection, including the date and method of communication. 
I also request that all collection activities cease until this debt is validated and verified as required by law. Please respond to this request within the XXXX period specified by the FDCPA. 
Sending this request is not an acknowledgment or acceptance of the debt, nor is it a promise to pay. I reserve the right to dispute the debt further if the information provided is inadequate or incorrect.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my extreme disappointment with the inaccurate and incomplete credit information you have reported about me. Your failure to maintain reasonable procedures to assure maximum possible accuracy in the credit reports you publish has caused me significant distress. I demand that the following information be immediately investigated and removed from my credit profile. I also demand that you provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX  Opened Date : XX/XX/2018 Balance : {$100000.00}. I expect an immediate response to this complaint and a prompt resolution of the issues I have raised. Failure to comply with my demands may result in legal action being taken against your agency. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (WI)

I have been a customer for over 3 years with Citi Bank. On XX/XX/2024, I made a series of XXXX XXXX transfers totaling about {$500.00} because I was at a festival that didn't take cards. Citi flagged me for fraud and locked my account, which I didn't find out until later that night when trying to use my card. I immediately called them as soon as i found out and sat on the phone for 45 minutes after giving multiple pieces of information to verify my account, only to be told that no one was available in the fraud department & to call back the following day. I called back the following day, and received the same run around, except this time, they could not verify my phone number which I've had for over 5 months. The customer service rep even instructed me to call my carrier and verify that my number was associated to my name, which I did and called back immediately. Still no luck. Eventually, I settled for the mailed verification option. It is now XX/XX/2024 and I still have not received a letter. Upon trying to call to verify the letter was still being sent, the automated rep hung up the call every-time I entered my ATM pin number. So not only can I not reach an actual person, I have a very large amount of money in the account that I can not access to pay bills, live, etc. As soon as I get access back into my account, I am moving my money and closing the account.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (MA)

Yesterday ATM attached to my bank, ( Santander Bank ) malfunctioned after counting my {$470.00} cash deposit. It read can not complete and spit my card out. I immediately pulled up, parked and ran in to tell teller. Teller told me she cant help. Call customer service #. I did that immediately still at the bank. Was told by customer service they would look into it. Will take up to 90 days. May qualify for a provisional but not sure. Called today and was told nothing more other than they will try to get this straightened out. Also mentioned not all claims are refunded. Horrible and now feel out of {$470.00}. No help
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2024-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC (MD)

We applied to Specialized Loan Servicing for mortgage assistance because I'm unemployed and have been receiving unemployment benefits from XXXX  from XX/XX/XXXX through XX/XX/XXXX. SLS denied our mortgage assistance request because they said we didn't have a valid proof of hardship but I have been receiving unemployment benefits from XXXX. The foreclosure process has already started.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to : 15 U.S. CODE 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this. TITLE, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 
THIS ACCOUNT ; XXXXXXXX XXXX XXXX : Have violated my rights According to the Fair Credit Reporting Act 1681 s 3 by Reporting late Payments. Payments are considered transactions, therefore late payments shall not be reported to my consumer report.
Consumer complaint received 2017-06-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: TD BANK US HOLDING COMPANY (PR)

I received more than  XXXX  payday loans that I never applied for throug h TD Ba nk, in addition, I was charged overdraft fees because these payday loans companies at the same time that they were getting into my account they were non-stopping withdrawing money from my  TD Ban k account a nd TD B ank were charging me overdraft fees. All the cost me more than {$5000.00}  XXXX   XXXX . THIS IS NOT A DUPLICATE COMPLAINT SIN CE TD  BANK NEVER solved this matter. Re: XXXX  and  XXXX  for the already submitted bank summaries from my account w ith TD Bank . My  former address was :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NJ  XXXX
Consumer complaint received 2024-01-09
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)

There are 2 accounts that DO NOT BELONG TO ME. 

XXXX. XXXX XXXX XXXX- {$650.00} This has been on my Consumer report for over 6 months now. Everytime I submit a complaint I get ignored or told that the account is rightfully mine without any one demonstrating any proof as to how they came up with this information. I was never notified of this debt and it does not rightfully belong to me. There are other people locally that have the same name as me seeing as it is a very common First and Last XXXX name where I come from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance - XXXX This account never belonged to me, and when I called in and spoke to a representative they told me the easiest way to get this removed from my consumer report would be to pay the debt off in full which I was reluctant to do seeing as I never defaulted on an account with this company. I have many properties and would have known if that was the case. I paid this debt off and they promised it would be removed 30-45 days after payment was processed which was a lie because it is still on my consumer report. I have the recording in my possession which can confirm what I was promised and how I was misled into paying off an account that never belonged to me which is ILLEGAL!
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

I am writing to file a formal complaint regarding a collection account labeled RESURGENT/LVNV FUNDING Account Number : XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (TX)

Hello, I submitted a XXXX application through Nelnet. Since the recent court case, I have been in forbearance. My XXXX student loans were disbursed from XXXX, and my graduate school loans were taken out between XXXX. I have been paying these loans for at least XXXX  years, and up to XXXX XXXXears. I am XXXX XXXX XXXX, am fully retired, and am supported solely by my pension. My current loan balance is approx. {$3500.00}. 

I have read several times from several different sources that the maximum repayment period for XXXX loans is 20 years and 25 year maximum for graduate loans. I do not understand why my loans have not been forgiven. Again, have been paying these loans for at least 36 years, and up to 51 years. 

I have called and written Nelnet many times. They refuse to answer my question. They have referred me several times to studentaid.gov. I can not get any answers from XXXX. of XXXX either. I believe I have overpaid my loans and am owed a refund. 

I can not get any answers or help from any agency. I would appreciate any help you can give me. I am almost XXXX, fully retired, and supported solely by pension. The overall amount I have paid in student loans, and for an indefinite term, is entirely unconscionable. 

Thank you. 

XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Apartment was looted cards taken used fraudently beyond account limits bank XXXX XXXX should not have allowed fraudulent charges I submitted XXXX police report XXXX on the looting and fraudulent transactions. XXXX XXXX XXXX repeatedly allowed fraudulent transactions beyond account limits and XXXX XXXX XXXX has not accepted responsibility. 
I had XXXX secured credit card with no overdraft no cash availability and XXXX XXXX XXXX  allowed cash transactions all the way to almost XXXX in one month.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc. (MD)

I am writing to file a formal complaint regarding a collection account labeled MERIDIAN FINANCIAL SVC XXXX AND MERIDIAN FINANCIAL SVC XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-04-27
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. (FL)

I have sent several complaints and disputes to the Credit reporting agencies to know avail. I have been a victim of identity theft, and according to the fair credit reporting at 605 B the trade lines listed are to be deleted.
Consumer complaint received 2017-06-02
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. (PR)

XXXX DE XXXX Y XXXX XXXX XXXX, REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER XXXX NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL THE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS XXXX IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The late payment accounts in question are inaccurately reflecting delinquency beyond the dates when the payments were made, leading to an unfair and misleading portrayal of my credit history. I demand that your bureau promptly investigates and updates its reporting to accurately reflect the payments made and the resolution of the delinquent status. Despite my previous disputes and attempts to rectify this issue, there has been no substantial update, and the inaccurate information continues to adversely affect my credit profile. 
XXXX XXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I insist that your investigation be expedited, and the necessary corrections be made to my credit report without further delay. The inaccurate reporting is causing unwarranted stress and potential harm to my financial standing. I expect a thorough and efficient examination of my dispute, followed by the immediate updating of the credit report to accurately reflect my payment history.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am not liable for accounts that are reporting on my Credit file and credit report. These accounts aren't mine but are reporting as if I obtained credit cards, opened bank accounts, opened phone accounts and medical bills. These accounts are as followed. XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/2022 XXXX XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX  XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/. These accounts are not mine but are on my credit report. Ive also asked for original contracts from all above named companies but have yet to be provided with as requested.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GU)

I 'm one of the 143 million affected by this massive data reach by Equifax. There really is no sure way of protecting yourself against something like this. There really is n't anything one can do to combat the effects and the actions of an incompetent organization like Equifax who does n't take seriously the security of its customers ' private information.
Consumer complaint received 2023-05-02
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: LEXISNEXIS (WA)

XXXX XXXX accounts has violated my rights. 1 5 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"