davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA you are expected to delete these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-28
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. (GA)

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

In 2017 I set up a monthly payment plan with this company on a revolving credit line to pay it back, with the stipulation they would close the card and account that day and I would just pay back what was pending on the account. I have been paying the amount they set up for me since then with an automatic payment. The ordinal credit line was XXXX and I currently still have a balance of {$4200.00} as of this filing. I can not access all statements to find the total of what I have paid or when I started paying. At this point I have paid well over the {$5500.00} and more. I was under the impression back in 2017 that paying the minimum would pay down the total and that interest was voided and no longer being charged because they took access away from me for a revolving line of credit and " closed '' the account. I believe I have been subjected to unfair business practices. I have not received a new card for this account in years, as I have no access to the revolving line but it is still an active account. I have paid back what I owed and would like this removed. I blindly paid this every month because of the conversation I had back in 2017 that this amount autopaid would resolve the debit.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ME)

Dear Sir/Madam, I am writing to you regarding the permanent limitation that has been placed on my PayPal account with the email address XXXX. I strongly believe that this limitation has been placed in error, and I would like to appeal this decision. 

Firstly, I would like to emphasize that I have not violated any PayPal policies. I have always complied with your terms and conditions, and I have conducted all my transactions on the platform with complete transparency and honesty. Therefore, I am puzzled as to why my account has been permanently limited. 

Secondly, I would like to request that you re-investigate my case thoroughly. I am confident that upon further review, you will find no reason to keep my account limited. I am willing to provide any additional information or documents that you may require to resolve this matter. 

Finally, I kindly ask that you restore my account if possible. As a loyal PayPal customer, I rely heavily on the platform for my online transactions, and this limitation has caused significant inconvenience to me. I would like to continue using PayPal as my preferred method of payment, and I hope that we can resolve this matter amicably. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

File first dispute back last year, dispute somehow became overlooked and unfounded, filed secon comments this year boa didn't investigate waited untill last day claim was due and denied claim without cause. Call and ask for documentation that Substantiated. The denial of said claim never received any documents my mail or email. Asked for reconsideration of claim and told it would be completed in 45 days we are weeks past that time frame still no anwser no provision cresit. No documentation.
Consumer complaint received 2023-08-07
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. (NY)

This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MD)

XXXX XXXX, for the past XXXX XXXX XXXX  months via the dispute request filed, Nelnet continually refuses to provide the correct balance, account status information ( Closed or transferred to XXXX ) to XXXX so that my credit report can be more accurate. 

Nelnet has provided the attached letter to me dtd XXXX XX/XX/XXXX. 

I have provided the attached letter to XXXX via each dispute request filed ( XXXX filing to-date ). 

I'm being informed by XXXX each time I speak with a representative over XXXX XXXX student loan account are still being incorrectly reported because Nelnet is sending " false or inaccurate information '' that doesn't match the attached letter adjustment information for all XXXX recipients. 

Nelnet has provided the information in the attached letter to XXXX and XXXX on or about XXXX XX/XX/XXXX. 

Department of Ed Ombudsman complaint was filed via their website XX/XX/XXXX- currently awaiting a response from them. 

Last XXXX  rep spoken to, XX/XX/XXXX @ XXXX, encouraged me to file a complaint with you ; hoping you can get this resolved for me and other XXXX recipients. 

Thank you in advance, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

You continue and are persistent in maintaining erroneous reports and accounts. I have contacted original creditors that I settled accounts with, no contract exists and when an account or debt is settled it can not be sold or reported again. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$98.00} XXXX XXXX {$150.00} XXXX XXXX {$74.00} XXXX XXXX {$660.00}
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Subject : Dispute of Inaccurate Late Payment Reporting on Account Number XXXX with XXXX XXXX ( XXXX XXXX ) To Whom It May Concern, I am writing to address a discrepancy between the information provided by XXXX XXXX ( XXXX XXXX ) and the late payment records reported by Experian, XXXX, and XXXX on my credit report. According to the credit bureaus, my account number XXXX experienced late payments in XXXX and XX/XX/XXXX and XX/XX/XXXX. However, after conducting an investigation, XXXX XXXX ( XXXX XXXX ) has confirmed in their letter addressed to me that my account has not been reported as delinquent to the credit bureau agencies listed over the last 24 months. 

Given the inconsistencies between the information provided by XXXX XXXX ( XXXX XXXX ) and the credit bureaus, I am concerned about the accuracy of the late payment records on my credit report. I understand that the credit reporting agencies have investigated these accounts and have deemed them verified. Nevertheless, the presence of inaccuracies on my credit report raises questions about the thoroughness of the investigation. 

As a consumer, I am entitled to know the steps taken by the credit bureaus to ensure the accuracy of the items in question, as outlined under 15 U.S.C. 1681i ( 7 ) Method of Verification - Description of Reinvestigation Procedure. I kindly request a detailed description of the reinvestigation procedure followed by your agency, as well as any documentation used to verify the late payment records on my account number XXXX. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (KY)

Hi, I've contacted Ally XXXX times and requested them to submit a reimbursement request to XXXX for the following below. Ally has noted that I need to contact XXXX directly. I contacted XXXX directly multiple times and they told me I have to go through Ally since the transaction was performed there. Formal {$900.00} reimbursement request needs to be submitted. 


On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX  ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : XXXX XXXX XXXX XXXX Payment ID : XXXX After the payment went through XXXX  asked for a screenshot of the transaction which we sent to her. Further XXXX noted that her partner would verify that he received the payment and she would transfer the XXXX tickets to my XXXX  account. XXXX  then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. XXXX portion : On XX/XX/XXXX, XXXX XXXX sent a formal request for refund to XXXX at XXXX XXXX XXXX including all of the details reported above. We have still not yet received a refund of our fraudulently stolen money.
Consumer complaint received 2023-11-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

Navient-formally Sallie Mae under the Virginia code had five years to collect upon my delinquent debt or sue me. When the five years expired, I sent them a cease and desist letter. Instead, Navient has continued to harass and call, threatening to sue and take actions to which they can not. I also notifed them that in trying to collect upon my dept they broke several laws- trying to trick family members, claiming they are above consumer protection law when trying to work with... etc. Now they continue to send notices and call and leave threatening messages for my family. 

They have no right to claim anything- especially when I told them this and tried to explain everything the first time they tried to harass and lie their way to trying to get me to come out of delinquency. XXXX marks 10 years since the original loan. This needs to stop.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA decided to close my account. I received a deposit while account was " restricted '' BofA from XXXX until XXXX XXXX BofA CSR 's told me I would receive a cashiers check and it would be mailed on the XXXX. When i called on the XXXX BofA then informs me they can not mail me anything until the claims on my business accounts are resolved. so I had to close the claims totaling XXXX and lose any chance at getting it back just to get the money BofA is holding hostage. I have no access to my money and everyone I talk to seems to give me misinformation. I NEED MONEY FOR MY BILLS. BofA is a criminal enterprise
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I attended XXXX XXXX XXXX College for 2 weeks and I dropped out back in 1988 due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX  XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated and I never graduated from college. Please review and remove this  inaccuracies from my credit file.
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

Subject : Formal Complaint Regarding Unauthorized Debt Collection Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint concerning an unrecognized debt being collected by a third-party agency. I have recently become aware of a collection account totaling {$200.00}, for which I have no knowledge or responsibility. 

**Key Points of the Complaint : ** 1. **Unrecognized Debt : ** The debt in question is linked to an address at which I have never resided. I had no knowledge of any transaction or obligation that could have led to the creation of this debt.

2. **Third-Party Involvement : ** The agency attempting to collect this debt is a third-party company with whom I have never entered into any agreement or contract. 
3. **Need for Verification : ** I have not been provided with adequate verification of the debt, as required by law, despite my lack of recognition of this financial obligation.

**Request for Action : ** I respectfully request the intervention of the Consumer Financial Protection Bureau to : - Ensure a thorough investigation into the legitimacy of this debt. 
- Require the collection agency to provide comprehensive proof of my alleged agreement and the origin of the debt. 
- Enact any measures necessary to correct inaccuracies in my credit report stemming from this issue. 

I trust that the CFPB will assist in resolving this matter promptly and justly. Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MI)

XXXX is violating my consumer rights. They are fraudulently letting LVNV Funding LLC account number XXXX report a fraudulent account on my credit profile. 
I have never heard of this company, nor should they have any information of mines. I was suspicious so I looked this company up on my Secretary of State website and seen that they arent even licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. Im asking you to enforce the laws on XXXX for failure to investigate as Im a federally protected consumer. I will also be reporting both XXXX and LVNV Funding LLC to the IRS filing out form XXXX XXXX information referral for unreported income since XXXX gets paid from this company and this company isnt licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. LVNV Funding LLC isnt allowed to do business in my state. If the account isnt removed in 30 days, Ill also will be filing to sue both companies for defamation of character. They are making me look non creditworthy to other lender and I have been denied credit due to this matter. It has caused me great XXXX 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 XXXX companies has caused. I know that LVNV Funding LLC pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Accounts Disputed : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Please Advise I was never late on the accounts listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply proof please delete these alleged late payments from my credit report. These are invalid late payments being reported. The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (GA)

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my EQUIFAX, XXXX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

Inquiries : XXXXXXXX XXXX XXXX XXXX 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 inquiries are fraudulent, unverifiable, and in violation of consumer rights.