davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-10-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (IL)

Hello- Nelnet is sending me an email invoice. However, I can not make a payment because since payments have resumed- Nelnet is not sending me a statement nor can I register my an account to make a payment. My balance is compounding and am afraid I will be in default if i can not make a payment before 90 days. I only know the last 4 numbers of this account ( XXXX ) because the online email does not show the actual full account number. 

Please advise- XXXX XXXX
Consumer complaint received 2023-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

Southwest credit system reported i owe XXXX. Spoke with req. XXXX. 3 weeks ago ask to send me copy of bill showing I owe XXXX dollars. I never owed XXXX dollars to XXXX. Never had a bill over XXXX. Retuned all equipment. Ask bill collector to remove negative info off my credit report. Have not recd copy of bill or hasnt been removed off my report. Showing up as a new collection. Havent had XXXX since XXXX 
Spoke with rep 2nd week in XXXX
Consumer complaint received 2023-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account 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 an account without written instructions.
Consumer complaint received 2023-03-02
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: EQUIFAX, 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. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. 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 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CA)

During the months of XXXX, XXXX, and now XXXX Guaranteed Rate has " lost '' my paid in full and on time mortgage payment. Despite several rounds of verifying and adjusting everything from the mailing address to the account number, I am still struggling with them with my most recent mortgage payment. I paid {$1400.00} to Guaranteed Rate on XXXX. They cashed that check, which cleared through my bank, on XX/XX/XXXX. As of today 's date this mortgage payment has not been credited to my account. I have been in contact with Guaranteed Rate 's customer service since XX/XX/XXXX and we still have had no clarity or resolution to the matter. I have sent all the documentation needed from my bank to Guaranteed Rate, to no avail. I have a trail of emails beginning in early XXXX with them, as well as several phone calls through XXXX and XXXX. Their response is they " are having trouble locating '' my payment, despite provided more than adequate documentation. My {$1400.00} payment has been " lost '' for six weeks now and I fear that Guaranteed Rate has acted irresponsibly and negligent with such a large sum of money. I would like this payment applied and my complaint addressed.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (KY)

BSI services a mortgage that holds liens 4 of my properties. They collect escrow payments for property taxes and insurance on those properties. Taxes were dues on XX/XX/2022 on three properties and those have not been paid as of XX/XX/2022. I have contacted BSI no less that 6 times one the last 8 weeks to resolve. 

Payments are due for XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX # XXXX XXXX VA, XXXX XXXX XXXX XXXX VA
Consumer complaint received 2023-01-20
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. (TN)

Someone pull my credit with out my request with these companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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. (MI)

In accordance with the Fair Credit Report act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXXy Partial Acct # XXXX XXXX XXXX XXXX  Partial Acct # XXXX Partial Acct # XXXX 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 an 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 conviction of crimes which antedates the report by more than 7 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 inacc
urate.
Consumer complaint received 2019-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc. (VA)

i owed dr XXXX XXXX and it was sent to focused recovery and i complained about it to you and it has been 3 yrs and they still say i owe XXXX you took it off and then it was still on i need it taken off
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I am the co-signer on a mortgage entered into by my daughter, XXXX XXXX, under XXXX, which was bought out by Freedom Mortgage. She receives Social Security XXXX payments for having XXXX XXXX, but was able to go back to XXXX XXXX. and receive a degree, and is now in the second year of graduate studies in XXXX XXXX. She was never notified by XXXX that there was anything wrong with her payments, but just within the past week, Freedom told her that her her escrow was short by almost {$17000.00}, and that they were <tripling> her payments, from some {$850.00} to {$2600.00}. XXXX is not able to work, and I receive only an employment pension from the XXXX XXXX XXXX and have an advanced case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and this increase would do considerable harm to us. Although we have tried to obtain a complete history of payments into and out of the escrow account, Freedom has never explained to us just why they think that the account is short by almost {$17000.00}. I also just noticed yesterday that even though my daughter and I paid her yearly house insurance premium in XXXX, Freedom has taken it upon themselves to insure the unit with another company and to disregard our own insurance, already paid, and have not answered questions as to why they are doing that.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

My debit card was canceled XX/XX/2022 on XX/XX/2022 my account had more than {$3000.00} XXXX checked my account XXXX XXXX to find out I only had {$900.00} then on XXXX another {$2800.00} was deposited.including {$1000.00} from unemployment and {$1800.00} social security.I was told to give them another XXXX business day to get it straight I never heard back from them, I call claims and was told the case was closed. Please help
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

UNABLE TO RUN CREDIT REPORT BY SELF OR BY AUTHORIZED BANK PAID OR FREE. 
INDICATES NO DATA AVAILBALE, ESCALATED MULTIPLE TIMES, GIVEN XXXX XXXX XXXX  : XXXX SEE ATTACHED
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is a follow up complaint regarding my previous complaint # XXXX. I was contacted by Bank America after this complaint on XX/XX/ and received a refund of {$180.00}. I have still not received the refund for {$2400.00} despite repeated e-mails and phone calls to the contact at BOA : XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX extension XXXX I have heard nothing for a month from him. This claim is over 6 months old. I am XXXX years old and need the money. 

XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I was charge {$250.00} from untied airline as I called chase bank they transferred me to the fraud department I reviewed a call on XX/XX/23 @ XXXX from chase to discuss this issue as the time on the phone was very long as the rep from chase put us on a conference call with untied Airline as the untied indicated to the chase rep there was a credit on my untied account the chase rep ask many times was credit from untied my reasonably the untied rep said no I only post to pay a {$150.00} not the other charges that was add to my account
Consumer complaint received 2023-03-01
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. (TN)

I sent a letter on XX/XX/2022 to XXXX. Here is the tracking number XXXX. However the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2024-03-12
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. (CA)

I've called XXXX XXXX XXXX XXXX XXXX numerous times on behalf of myself and my husband. We have a credit card with this bank that had a high balance which was paid completely off on XX/XX/XXXX. They've agreed to update my husband 's credit report to reflect the XXXX balance, but they've not updated my credit report to reflect this account has been paid in full. I've spoken to them as recently as XX/XX/XXXX and was assured by an employee named XXXX that she would handle the situation for me. 

I've checked my husband 's credit file this morning and his is stating correct info. My credit report is still showing a high balance owed to this company.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to address the delinquent accounts listed on my credit report, which I recently obtained and reviewed. Upon careful examination, I discovered several inaccuracies and discrepancies that have caused me significant distress and concern.
Consumer complaint received 2023-02-18
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. (TN)

. 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 XXXXXXXX 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 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have several repeated inquires on my credit that I did not authorize or apply for credit with this bank on these dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (NY)

XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. 
Without my written consent XXXX and XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the inaccurate account information for XXXX XXXX XXXX XXXX showing on the credit file with Experian. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Consumer complaint received 2023-03-02
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. (TX)

When I reinvestigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX Balance : {$640.00}