davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XX/XX/XXXX I sent a certified letter to the creditor per XXXX credit bureaus response. The response was that the creditor has certified to XXXX that the information is accurate. I sent a letter to validate this account by providing documents with my signature. The creditor failed to do so. I then requested XXXX credit bureau to furnish me a copy of the documents the creditor used to certified this account, again now XXXX failed to do so. 
On XX/XX/XXXX I filed a dispute to XXXX and Transunion credit bureaus disputing these accounts this also was mailed off by US certified mailed. Again there respond was that the account had been certified by the creditor, I requested the documents that they used to certify these accounts and again they failed to provide me with any documentation that proves this account is 100 % accurate. FCRA section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report these items should be deleted. XXXX  ACCOUNT NO. XXXX AND ACCOUNT XXXX ALONG WITH TRANSUNION ACCOUNT XXXX On XX/XX/XXXX I again reached out to the creditor XXXX XXXX XXXX XXXX per the credit bureaus request asking them to delete these inaccurate accounts. I received a response on XX/XX/XXXX stating that they don't have enough information to process my dispute. Which is ironic because my disputes have all the information that they reported to the credit bureaus and the credit bureaus reported on my credit report that I am disputing as inaccurate. I am enclosing a letter where the creditor XXXX XXXX  reports that the balance on the account is XXXX but the credit bureau XXXX and Transunion report XXXX and XXXX they are reporting totally different information which is a violation and the accounts must be deleted per the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION ACT.
Consumer complaint received 2015-04-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I went into a Wells fargo Branch roughly a month ago to discuss the situation regarding the Overdraft Protection fees I continued to get. One month I 'd tallied roughly {$71.00} in overdraft " protection '' fees although the money was in my Savings account and all they did was cover my transactions via that account. I explained that I was no longer interested in the service and the Banker suggested that I open a XXXX checking and savings to remedy the situation. Lo and behold not two days later I was hit yet again with an " protection '' fee because he 'd transferred money to XXXX account and another account and honestly I just wanted to stop using the overdraft service. I would much rather they decline my card and I pay for something using another method than have all these accounts and this " protection '' that is costing me {$12.00} every time I do n't put the money in the right account. It 's frustrating and misleading. If I have the money in XXXX of my accounts, just take it from there. Stop charging me every time.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (OH)

Hello- I've been working to confirm the instrument of indebtness in its original form to be able to confirm this debt. How is it that I owe a debt for which a contract can not be produced? 

Furthermore, I'm seeking LITIGATION '' as I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please remove old bankruptcy from my credit report. 
Public Record Date Filed - XX/XX/2013 Type - Chapter XXXX Bankruptcy Discharged Court - BK Reference - XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Management Corporation (CA)

We used to live in and moved from XXXX XXXX XXXX to XXXX XXXX around the time 2011. We paid the bill with in 30 days of us receiving the bill at our new address. Because of our move we did not receive the bill and were not able to pay it on time. I have NEVER been late on paying my bills. Even though this bill was paid as soon as we received it in mail, it is still showing up on my credit report and lowering my credit score. This is making difficult for us to secure a mortgage. I had requested the company to expunge this account from my history but they have not responded.
Consumer complaint received 2017-09-08
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. (MN)

I am a victim of the Equifax security breach. Per https : //www.equifaxsecurity2017.comXXXX  ( I input my last name, last 6 digits of my social security number, and completed the Captcha ) I am affected and would wish to file a complaint against Equifax and their security practices.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS 's ( Select Portfolio Servicing XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ) Deceitful and Fraudulent actions and Refusal to Issue Valid and Correctly Completed Form XXXX For Tax Years XXXX and XXXX : Please refer to the attached file where I have included my interactions with SPS in a chronological order, starting from Page XXXX  to try to resolve this issue. SPS has issued deliberately falsely completed IRS XXXX XXXX in boxes XXXX & XXXX, for tax years XXXX and XXXX ( Page XXXX ). Page XXXX contains IRS guidelines for completing Boxes XXXX and XXXX in Form XXXX. Under these rules, XXXX XXXX must be checked and XXXX XXXX left blank as my address as payer and borrower of mortgage is the same as the property address. Instead XXXX XXXX is blank and XXXX XXXX contains misleading information noting only city, state and zip code. This is violation of IRS guidelines for both boxes XXXX and XXXX. This is also a clear contradiction and repudiation of SPS 's arguments when they were issuing correctly filled Forms XXXX until the tax year XXXX ( Page XXXX ). 

I have tried to resolve this issue amicably by contacting SPS Customer Service and writing several letters. SPS has been acting in extreme bad faith. SPS drags out the matter by taking unnecessarily long periods of time to respond. SPS employees misrepresent, contradict each other, and provide deceitful answers. SPS answers are evasive, dishonest, not to the point. and deflective. 

SPS deceived me in XXXX by appearing to solve the problem with the XXXX Form XXXX by dishonestly including the XXXX Form XXXX in their response ( XXXX XXXX XXXX ). I became aware of this trick during my frustrating and ultimately fruitless arguments with SPS supervisor " XXXX '' on XX/XX/XXXX. XXXX asked me to check XXXX XXXX myself in my tax filings. All my conversations with SPS employees were recorded and therefore it is easy to verify my complaint. The matter has become mentally stressful and request your action.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Advantage LNS Inc. (MD)

Good afternoon, I have sent multiple letters to XXXX, XXXX, and XXXX they are not complying with my dispute request. I sent a letter on XX/XX/2022 and XX/XX/2022. I still havent received any response or debt validation. The information they are reporting is incorrect and illegal. I have found information that the creditor and I will have to take to court. This is affecting my livelihood in a negative way and needs to be removed immediately. 

In Best Regards, XXXX XXXX My direct number is ( XXXX ) XXXX and my email is XXXX. Phone Mon-Fri XXXX EST
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MD)

I have a XXXX XXXX XXXX. Firstmark sent me forms to complete. During this time, my account was in administrative forbearance. However, Firstmark XXXX reported late payments in XXXX, XXXX and XXXX. 

Most recently in XXXX, when my account entered repayment without my knowledge, they send the notice by USPS to an OLD address. My address has been updated by email and phone on three occasions in XXXX and XXXX. When Firstmark was made aware, they instructed me to dispute with credit bureaus rather than fixing it themselves. When I disputed through credit bureaus, they refused to fix their error despite my credit report even showing the updated address. 

Moreover, the terms of the loan state that as a resident of Maine, I was eligible for loan discharge due to XXXX XXXX  XXXX proven by the form they required my doctor to complete. Yet, they continue to deny, delay and refuse to fix my credit report which caused me to lose a mortgage and reduced credit rating. 

XXXX continues to deny my discharge and is punitive with reporting. I need help.
Consumer complaint received 2017-09-08
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. (FL)

In XX/XX/XXXX, I received from XXXX savings bank  a XXXX, cancellation of debt form, for {$3500.00}, which I filed with this year 's tax return and it was reported as income. XXXX savings bank   is still reporting to the credit bureaus that I have a balance of {$3500.00}, which is hurting my credit score and my ability to get credit cards or personal loans. I have filed disputes with Equifax, XXXX, and XXXX, and have either uploaded the form XXXX, if possible, or sent a copy by US postal service to the addresses of the credit bureaus. With XXXX, I was able to upload the XXXX and as soon as they received it, I received an email from them, ( XX/XX/XXXX ), that they updated my credit report and made changes. Now they show the XXXX savings bank credit card account as having a {$0.00} balance and as being paid. My problem is with Equifax, XXXX, and XXXX savings bank. Equifax and XXXX wo n't budge, even with my supporting document ( XXXX ). XXXX told me over the phone the other day they received my dispute on XX/XX/XXXX and will send me the results of their investigation within 30 days. I feel it is unfair, and or illegal, that having to had report {$3500.00} to the IRS as income, they are still reporting it as the balance I owe them.
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (TX)

I agreed to accept a credit card from my employer Wells Fargo a year ago at 0 % apr. No interest was charged at that time. I had XXXX credit at time of application, so was not a credit risk at all. It was not clearly disclosed that the 0 % apr was introductory and the actual interest was 21.15 %. I only discovered this when I ran up a balance of {$9500.00} and discovered my monthly payment would not cover the $ 170+ monthly interest payment. I called several times and wrote a letter to ask help with the interest rate showing that I could never pay this card off at the predatory rate they had given me. I was refused any kind of forbearance or help of any kind. I paid off the account recently by mortgaging my car. I believe that the failure to CLEARLY disclose the exorbitant interest rate and that the 0 % was introductory was predatory lending.
Consumer complaint received 2022-03-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XXXX XX/XX/XXXX I sent a certified letter to the creditor per Experian credit bureaus response. The response was that the creditor has certified to Experian that the information is accurate. I sent a letter to validate this account by providing documents with my signature. The creditor failed to do so. I then requested Experian credit bureau to furnish me a copy of the documents the creditor used to certified this account, again now Experian failed to do so. 
On XX/XX/XXXX I filed a dispute to EXPERIAN and XXXX credit bureaus disputing these accounts this also was mailed off by US certified mailed. Again there respond was that the account had been certified by the creditor, I requested the documents that they used to certify these accounts and again they failed to provide me with any documentation that proves this account is 100 % accurate. FCRA section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report these items should be deleted. Experian ACCOUNT NO. XXXX AND ACCOUNT XXXX ALONG WITH XXXX ACCOUNT XXXX On XX/XX/XXXX I again reached out to the creditor XXXX XXXX XXXX XXXX per the credit bureaus request asking them to delete these inaccurate accounts. I received a response on XX/XX/XXXX stating that they don't have enough information to process my dispute. Which is ironic because my disputes have all the information that they reported to the credit bureaus and the credit bureaus reported on my credit report that I am disputing as inaccurate. I am enclosing a letter where the creditor XXXX XXXX  reports that the balance on the account is XXXX but the credit bureau Experian and XXXX report XXXX and XXXX they are reporting totally different information which is a violation and the accounts must be deleted per the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION ACT.
Consumer complaint received 2017-09-08
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. (CA)

This complaint is in regards to the 2017 Equifax data breach. Equifax mishandled my personally identifiable information, putting me at risk for identity theft because of poor and/or non-existent security protocols. Because of this, I 've had to put fraud alerts on my accounts and am adding security freezes to my credit reports with every reporting agency. At a minimum, this data breach is costing me {$60.00} because Equifax did n't manage their data securely. If my identity is stolen the damages will exponentially increase. Equifax should be held liable for security freezing fees put in place due to this breach. Additionally, Equifax 's identity theft monitoring service is un-useable due to the binding arbitration clause, which waives my right to take legal action against them.
Consumer complaint received 2023-02-22
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)

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

The above message was sent via mail on XX/XX/2023 to the Credit reporting agency regarding a student loan account. They refused to follow the law on XX/XX/2023 that clearly states they are in violation of government code 15 USC 1681a. I've requested the account to be removed from my credit report.
Consumer complaint received 2022-03-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (FL)

Since VW Credit unveiled their " new and improved site '', the site is broken. It crashes constantly and does not allow information to be changed. I have moved, and I wanted to update my address and contact info - when this is done, it displays a " confirmation '' with the updated info but then next time you log in, the old information persists. A total IT disaster. I asked the company for help and they replied with the standard American XXXX " call the service center ''. Not possible to manage account online effectively.
Consumer complaint received 2022-03-15
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. (VA)

Experian refuses to verify this account and remove it. 

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX This account is unverified. 
I have sent in my ID to verify errors on my report.
Consumer complaint received 2017-09-08
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. (NH)

I never directly did business with Equifax and yet they have all of my personal information. 

They then did not take reasonable steps to protect that information from cyberattacks. 
When they learned of the problem, they hid it from investors while they let executives dump their stock. 

There is no way to undo this damage. Once your information is stolen, you can never recover it. It will mean that I will need to pay for credit monitor and identity theft protection for the rest of my life. 

I will also be the target of other scams and potential blackmail because of a company that I had no direct business relationship with whatsoever.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IA)

This is regarding the Equifax 's 143 million accounts hack issue. I checked my details on the given website ( https : //www.equifaxsecurity2017.com ) and received the following message " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IN)

I have left XXXX on XXXX XXXX, 2015. Befort I left, I have payed the rent on XX/XX/XXXX2015. And payed the water fee of XXXX month on XXXX XXXX, 2015. However, My credit account show that I have overdue debt peported by XXXX. Please help me check. I have not received any mail or email to let me pay something. The attachment is the prove that I have payed off rent and water fee.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2022-05-05
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: Experian Information Solutions 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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (CA)

I received no notice to my address XXXX XXXX XXXX XXXX XXXX CA XXXX despite a USPS address change after I moved on XX/XX/XXXX regarding an unpaid balance. It wasnt until I downloaded my credit report on XX/XX/XXXX and saw the derogatory marks that I immediately paid the overdue balance from XXXX XXXX. If I had received a notification, I would have paid immediately as the balance was only {$29.00}. 

I also have an active account with them and have had an active account for years, set on autopay, so the fact that they werent sending me billing notifications via mail or email is unacceptable.
Consumer complaint received 2022-05-05
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: 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 XXXX XXXX XXXX. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # # # # # XXXX, # # # # # XXXX, # # # # # 1957 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