davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

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 XXXX XXXX XXXX. 
Account XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

update all current account as PAANL ( PAID AS AGREED NEVER LATE ) status to 15 USC 1681 ( b ) Permissible Purpose. In general, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to which one we relate.

15 USC 1681 A4 speaks on a consumers rights and privacy. 15 USC 1692 speaks further on the consumer 's right individual privacy. According to The Privacy Act, you have violated my right to privacy under the FCRA and the FDCPA.

15 USC 1692D harassment or abuse of the advertisement of any debt to coerced payment. Your offenses Amount to aggravated identity theft, pursuant 18 USC 1028 A and 15 USC 1681 q.
Consumer complaint received 2024-01-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (NY)

Submitted initial Re-Pay application and requested SAVE program. Initial determination was for XXXX XXXX XXXXXXXX. Called Nelnet on XXXX and was told that my payment should be XXXX XXXXXXXX on the SAVE plan. Was told to re-submit application. Received an email with instructions and pre-filled application. Submitted this second application on XXXX. Received notification that application was received on XXXX. 

On XXXX I received a communication from Nelnet that an administrative forbearance was applied until XX/XX/2023. 

On XXXX, I contacted Nelnet to inform them of a change in my financial status as I would be unemployed effective XXXX. On XXXX, I received a letter from Nelnet requesting income verification. I sent a copy of my social security income verification, a copy of my husband 's social security income verification, and a copy of a XXXX XXXX pension that I receive. 

Finally I received a determination and my monthly payment was reduced to XXXX XXXXXXXX on an income contingent repayment plan, .not the SAVE plan. 

I called Nelnet on XXXX and spoke with XXXX, who recalculated my monthly payment and stated that I should be on the SAVE plan with a monthly payment of XXXX XXXX. XXXX XXXX, she submitted a request for redetermination and that I should have a re-determination in 2-3 weeks. I did not receive a re-determination. I received an administrative deferment until XX/XX/2023. 

On XXXX, I called XXXX and spoke with XXXX. XXXX reviewed my records, and again, affirmed that I should be on the SAVE plan with a payment of XXXX XXXX. She re-submitted a request for re-determination on my behalf. I did not receive a re-determination. 

On XXXX, my payment date was approaching. I called Nelnet yet again on this date. I spoke with XXXX, who reviewed my file and re-calculated my monthly payment and affirmed, yet again, that I should be on the SAVE plan with a payment of XXXX XXXXXXXX. XXXX apparently spoke to another representative and was told it would take 1 month for a re-determination. XXXX processed a deferment for another month making my payment due on XXXX. 

It is now XXXX, and I have yet to have a redetermination on my account. My payment of {$370.00} is due on XXXX. I can not afford this payment as my only source of income is social security and a small pension. I have been told by representative on multiple occasions that I should be on the SAVE plan with a payment of XXXX XXXXXXXX. 

I will need to request another deferment as I can not afford this payment. Nelnet is extremely difficult to reach by phone as I have experience hold times in excess of 1 hour. I have been diligently working with Nelnet for > 6 months to get this issue resolved. Yet it remains unresolved.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Dismissed Date Filed/Reported XX/XX/XXXXReference # XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX IXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance : {$500.00}
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I obtained a loan with XXXX Mortgage in XXXX and my loan was transferred shortly after closing to SPS XXXX My loan has an amount of {$9000.00} currently in escrow and there is an overage of {$6700.00} that is due back to me from an overpayment of my escrow. I have requested a refund of the overpaid since XX/XX/2023 and each time I have called in I have received customer no service. There has been three escrow analysis done pertaining to my loan and yet each call has resulted in false information. SPS has said they issued a refund on two occasions and each occasion before a check being placed in the mail there has been a stop payment placed by SPS. I in good faith have never made a late payment, skipped a payment or been in default of my loan but this is creating a financial hardship on me and my family. I had to forgo my son continuing college because I was not able to satisfy his tuition payment because of this issue. I have spoken to the Ombudsman department with SPS and I received no assistance with them other than apologies and call back next week. I have been forced to request to close my escrow because of this egregious issue and am also reaching out to my congressman pertaining to this.
Consumer complaint received 2024-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (SC)

SCA COLLECTIONS submitted an unfavorable Collections claim to my credit report for the amount of {$950.00}, which has significantly lowered my credit score, and has negatively impacted my life. I have not received proof from SCA COLLECTIONS in writing that I am the owner of the supposed debt, or what specific service provided, that the debt was in reference to. Additionally, as a Veteran, I have always maintained healthcare insurance/coverage. I believe this is an invalid claim and would like it to be removed from my credit report.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I did receive a call response from agent exclaimed only as " XXXX '', applies to be therefore answer to recent theirs received of mine at of CFPB complaint, at agent of Wells Fargo Bank. 

Unfortunately, although, XXXX did phone call me from XXXX ( XXXX ) XXXX, that phone address I do recognize as for belonging to Wells Fargo Bank, a origin, way before decent to normal banking business hours, XXXX XXXX 

This was an apparent not only to be rude, attends mine CFPB complaint, but was too, an apparent " detour tactic '', used by Wells Fargo Bank agent XXXX, in order to possibly detour further to a " decent normal '' of complainant 's to do response, since the CFPB complainant 's phone voice-mail, would only be at attentions therefore, that too early of a time, expect a professional business phone call, and to answer. I did sustain by this, mention, and the subsequent information received by this XXXX, agent to Wells Fargo, an injury result, attends an upset mine XXXX XXXXXXXX diagnosed XXXX XXXX XXXX compel me use mine XXXX XXXX prescribed medicine, XXXX 
" I did formally, in writing request to an injury claim be delivered me by Wells Fargo, attends this rude acts, cause me further serious application to injury and inconvenience, and as of yet, have I received decent response ''.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paysend US LLC (IL)

On XX/XX/2023 I submitted a request to send money to a family member in XXXX using the Paysend app. The money still is not at the recipients account in XXXX XXXX. The money was debited from my bank account and on the app still shows in process. I tried to resolve by calling to cancel the transaction but apparently the transaction could not be cancelled or so thats what they claimed. This money was sent for an emergency and neither the money is the beneficiary account nor have received a refund. Transaction no XXXX It is totally unacceptable way of doing business.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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: Experian Information Solutions Inc. (CA)

The child support got removed from all other credit bureaus and they said I was late on payments when I'm not even on child support they did it after disputed it I want to use 15 U.S. Code 1681b - Permissible purposes of consumer reports and also it says XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2023-08-05
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. (MO)

I am filing a complaint due to incomplete and inaccurate credit reporting from XXXX since being switched from XXXX XXXX XXXX XXXX XXXX On my account : XXXX I paid {$640.00} balance off on XXXX XXXX XXXX back on XX/XX/23. I was told this would be reported to TransunionXXXX  within 30 days from a customer service rep and it has not been reported. Now I see a credit reporting error that incorrectly shows consolidation of balances on XXXX XXXX and XXXX-which is not reflected on my XXXX account-balances are still separate. This is showing reported to agencies now and shows as an increased balance ( even though no change in balance for XXXX XXXX XXXX XXXX XXXX ) and has lowered my credit score significantly yet. On XXXX website these are still separate $ XXXX balances. I am closing on a new house within the month and need these issues corrected immediately or I am filing a complaint. I never had incorrect reporting with XXXX XXXX. Please advise to remedy this situation.
Consumer complaint received 2024-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WV)

Someone hacked my PayPal account. They added their own email as a primary email. Then they added a bank account. Then they initiated a transfer from my bank account to their bank account. I reported to PayPal but PayPal has said there's no unauthorized access, which is ridiculous. It was all done on XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received XXXX pieces of mail from Bank of America ( I have no accounts with this bank ) The first is a letter stating that a request to open a deposit account has been denied ( I didn't try to open an account ) The second XXXX pieces of mail are XXXX separate identical checks for {$10.00}. stating " Enclosed you will find a check from your Bank of America Prepaid card account. You will see this as a debit on your account.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/XXXX via their chat service, I informed Midland Credit Management that I did not owe a debt and that I was not, nor was I associated with, the person they were looking for. This was after they continuously called me from AT LEAST 13 different numbers over the course of several months. I blocked all 13 numbers. In the XX/XX/XXXX chat, I also asked them to stop calling me, to remove me from their list and notified them that my number is registered on the National Do Not Call Registry. I can provide proof of the chat on XX/XX/XXXX, if needed. I also filed complaints with the FTC each time they called me from a different number starting from about call # 5. Beginning on XX/XX/XXXXXXXX they have called me 2 days in a row from 2 different numbers, which I have again blocked.
Consumer complaint received 2024-01-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank representing Paypal Credit ( XXXX ) XXXX repeatedly has called me and I have not picked up the phone because I don't recognize the number. The message they leave in my voicemail box is " Hello. Hello. I don't hear a valid response I need to disconnect the call... .. '' I have received weekly calls from Synchrony until I downloaded an app on my phone to silence such calls, and the weekly calls still continued.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (MA)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my LexisNexis consumer credit report sent to me via mail.
Consumer complaint received 2018-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : KIMBALL TIREY & ST J Account Number : XXXX Date : XX/XX/2017 Amount : {$6700.00}
Consumer complaint received 2018-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (NJ)

I'm XXXX years old. Purchased a cell phone from XXXX XXXX XXXX. I maybe make about 3 phone calls a month because I have a land line that I always use. The most I could use the service is for 1 month. Now that has escalated into a charge of $ XXXX.Apparently the collection agency added on alot of money. I tried to settle for 1 month of bill but they refused. They won't send a statement because they Credence is of  over charging me & taking advantage of my age. I will NEVER pay {$460.00} for 1 month of service.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (GA)

This claim is in response to a previous claim XXXX that was closed without an adequate answer from the company Security Credit Services XXXX This Company is stating that they have the right to report this debt under my name for 7 years which is not correct because this debt is pass the Statue of Limitations for Georgia. The response they provided the company was not was correct in regards to the statue of limitations. Per the statue of limitation in Georgia According to GA Code 9-3-24 : All actions upon simple contracts in writing shall be brought within six years after the same become due and payable. In other words, creditors and collectors must take you to court for any debt, based on a written contract, within six years of the last action on the account.

I am also providing additional documentation because additionally this debt is not mine and I was a victim of Identity Theft. A police report is being included along with a affidavit of Forgery.