davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Following information is being reported Inaccurately and I am requesting that all items listed below be DELETED Immediately since I have been requesting them to be removed for more than twelve months. 
TRANSUNION - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX  XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2019-07-17
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. (TX)

Hi, I initially saw an entry on my Credit Report and submitted a dispute to Experian. I later learned from Experian that the information would not be removed and that XXXX XXXX proved that the debt was valid including date and amount of debt. 

On XX/XX/2019 I contacted Experian at XXXX in regard to a collections account on my Credit Report that was reported to them by XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX in XX/XX/2019. I initially spoke with XXXX in the Dispute Department at Experian and requested that Experian provide me with the information that was supplied to them in order to support or substantiate the claim that XXXX XXXX XX/XX/XXXX, XXXX made in regard to a debt. It was then explained to me by XXXX that they did not have that information and they only request that the Enhanced Recovery confirm the information. 
XXXX also stated that because XX/XX/XXXXXX/XX/XXXXis a subscriber they sign an agreement or contract that says they will be honest when a dispute request is made and added that it was more complicated than that but that's how it works. I then asked to speak with a supervisor and spoke with XXXX who states that XXXX was not accurate that they do have privilege to the information, just not in the Dispute Department and that there is no contact with that department or information that Experian received that can be provided to me it had to be obtained via the Federal Trade Commission.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is incorrectly reporting an increase in the balance owed to XXXX XXXX XXXX of {$260.00} which lowered my credit score. This is not correct. The original amount owed was {$16000.00} and the current amount owed is {$16000.00} No payments have been made 30 days or more late. Statements attached for review.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account unde, an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C. (FL)

I have disputed this outdated account listed on my credit file that is also unknown to me. I shouldn't owe any medical debt. I haven't received anything validating this. It shows on my credit file first reported in XX/XX/2012 after looking through all my records this is unknown Please help
Consumer complaint received 2023-07-25
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: Self Financial Inc. (FL)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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. 

XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX ( secured credit card ) Account XXXX XXXXXXXX XXXX XXXX XXXX  ( secured loan ) Account XXXX XXXX XXXX XXXX ( secured loan ) Account XXXX XXXXXXXX, Acct XXXX XXXX, Acct XXXX XXXXXXXX.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX monitoring found me in these following data breaches : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the following information due to it being incomplete and inaccurate. I've submitted disputes for the past 10 months with documentation supporting my claim of identity theft. 

This Credit agency has refused to comply and do their just diligence with removing fraud from my credit report. I've requested they show me how my claim was investigated which is my right under United States law, this was completely ignored thus violating my rights and breaking the law. Each time I Called the company directly to speak to a specialist after I explained the situation I was hung up on my their representatives,
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IA)

I make 1/2 of my payment bi-weekly. Because sometimes 3 halves of the payment post during one billing cycle ( by 1-2 days ) and only 1 during the next cycle ( 2nd being make 1-2 days after cycle ). Synchrony bank charges me late fees. I am not late - I am actually ahead of their schedule and will end up making 13 payments in a year rather than 12. Each time this happens it takes 3-4 calls to get it corrected. This time they are refusing to correct the problem. I am not sure how a company can charge late fees to a customer who is actually ahead in their payments..
Consumer complaint received 2023-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

On XX/XX/23 at approximately XXXX XXXX I tried calling Nelnet XXXX my student loan service provider. After going through the menu, I was told by the automated voice that my hold time would be XXXX minutes! 

On Nelnet 's Contact page is the following language : " We're currently experiencing unprecedented call volumes, which is leading to long hold times. We apologize for the inconvenience. '' And on their email page they say : " We are experiencing unprecedented email volume at this time, which is leading to longer-than-usual response times. '' I have important and time sensitive questions about my student loans. I called the XXXX phone number first ( they answered within a few minutes ), but they referred me to my loan provider for certain questions. 

No consumer should be expected to wait over an hour on hold to have questions answered. Student loan borrowers have no choice in their service providers. We are stuck. Nelnet is clearly unprepared and/or unable to properly serve it's customers. 

Nelnet might address this problem by : 1. Hiring more customer service representatives. They need to double, triple, or quadruple their staff. 
2. At the very least, institute a " call back '' option whereby a Nelnet representative calls the customer when the next agent is available. Again, no one should have to wait on hold for over an hour. 

I suggest that the appropriate government agencies/authorities investigate Nelnet 's ability to properly serve student loan borrowers. If they don't improve their customer service capability, they should not be in the student loan servicing business.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

I sold some stock with XXXX XXXX, {$77000.00} and deposited a check from my XXXX XXXX account, {$45000.00} into my M & T checking account which bounced. Called XXXX who told me that my check writing account was frozen by me which it was not. The woman I spoke with was able to turn it back on so I could write checks from XXXX. I then deposited the whole {$77000.00} into my M & T account last Wednesday XX/XX/XXXX. M & T Bank has completely froze my account per their financial crimes people. I know that XXXX has released the money but M & T is investigating like some kind of fraud has happened. Besides that $ XXXX I had just shy of {$10000.00} in that account and now the checks that I wrote to pay bills are bouncing which is going to ruin my good credit. I tried talking with their people doing the investigating but they refused my phone call
Consumer complaint received 2021-06-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Patenaude & Felix A Professional Corporation (GA)

National Collegiate Student Loan Trust has had a law firm to place a title lien on my property. My name is XXXX XXXX and clearly this is a case of mistaken identity bc there are literally thousands of individualswith the same name. However, the above company did not research or clarify any of this info prior to having the law firm/attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ga XXXX go to XXXX County courthouse and place this lien. This has caused a major headache, loss of time and wages, and stress. I am currently having my loan refinanced and wouldn't have ever known this document even existed until they did a title search. This is humiliating and embarrassing. I have spoken to the law firm who has no record of a XXXX XXXX with my date of birth or SS # on file. Who is held accountable for slander of my name and discrimination when mistakes are made. Now I'm forced to get an attorney to rectify what should have never taken place.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Chexsystems, There is incorrect personal information on my report that I am requesting to be updated and corrected - attached to this complaint are : - Letter - Drivers license - Social security card - Address Please have these inaccuracies corrected.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

American Express Delta skymiles gold card fraudulently offered a sign-on bonus never informing me that they rejected me from the sign on bonus. I was not informed. In all correspondence, they failed to mention that. I applied to the credit card with sign on bonus only. I diligently completed all the terms of the agreement to receive the sign-on bonus. I called to find out when I could expect the bonus points. They told me I would not get them. They would not help me at all. I would like to be compensated the bonus offer of skymiles that are owed. If they can not do that, I need them to expunge that this credit card was ever applied for in my name as it was advertised falsely.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (CA)

This was my second time contacting XXXX XXXX credit bureau about fraudulent activity, On my Credit report do to im a victim Of Identity theft, the criminal clearly found someway to contact XXXX and provided all of his information, I already told XXXX XXXX that, That was the wrong information. They had the wrong name address, and a bunch of fraudulent inquiries that I never consent too. when I asked them to help me and change the information, They told me no I had to go to their maintenance and then hang up on me
Consumer complaint received 2023-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

Ive been trying to resolve this problem since XX/XX/2022. Loans were taking out in my name fraudulently. Nelnet has failed to investigate and remove my name from this debt. I never authorized or signed any agreeing to this debt. Nelnet never compared signatures, request IP addresses from computers, contact the school. The school can tell you where the checks went, who cashed the checks, but Nelnet never inquired that information. Theyre just saying Im responsible for the loan and I am not. This is fraud and I sent a police report as well.
Consumer complaint received 2022-10-06
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. (GA)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX To Whom It May Concern ; I need clarification as to why are. you reporting certain information on my credit report. Please review the following : Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX  YOU ARE REPORTING THESE ACCOUNTS AS CHARGED OFF YET, YOU ALSO REPORT A MONTHLY PAYMENT! DELETE ACCOUNTS IMMEDIATELY FOR INACCURATE REPORTING. 

After you finished my request, send me a copy of my credit report reflecting these changes. 

Thank You, XXXX : XXXX
Consumer complaint received 2022-10-06
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. (TX)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
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. (NC)

This is my seven endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX ) XXXXBalance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-10-06
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. (TX)

I have tried to get the XXXX XXXX  XXXX  collection account removed from my credit report on XXXX, XXXX, and Experian. XXXX XXXX and XXXX never sent me documentation for years letting me know that I had an account that was getting escalated to collections. I also never received any itemized document showing what exactly these charges are so that I can make sure they arent fraudulent. I have attempted to contact these parties and they have not sent in any proof showing why the other person on the lease or I owe anything. The only things they have sent are statements from a different apartment complex that they are running a collection for- but that is not THIS account. XXXX and XXXX BOTH removed the XXXX  collection from my credit report and the other person on the lease- but somehow the charges reappeared on ONLY my credit ( and not on the JOINT persons ) and its a whole new amount that they are charging!? This is fraudulent activity and XXXX, XXXX, and Experian need to do their due diligence with their investigation. If XXXX XXXX  can not produce pictures from our move out date from XXXX  XXXX  ( which was back in 2021 ), provide an itemized statement showing why we owe this money, and have documentation or some way to show they contacted us to make us aware of these charges/photos/itemized charges. I want this collection off of my credit report due to inaccurate information. How would you know you are accurately reporting a total of charges when you dont know what each charge is for?
Consumer complaint received 2022-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (MO)

coast professional, inc. sent 2 letters about debt reference # XXXX & XXXX and i don't know what it is for. If it is for some kind of medical expense with the VA, i have no co-pay according to the 1964 GI bill. Need information!
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

replying to complaint ID XXXX I was told by Discover representative if still no refund of {$1700.00} once chair is returned to merchant, I should call discover to reopen dispute. I called Discover to no avail, they did not reopen dispute. 

the furniture was picked up by merchant on XX/XX/2023 and on XX/XX/2023 for a full refund as evidenced in the attached enclosures. However, no refund has posted to my account in the amount of {$1700.00}. 

Can you help me reopen this dispute because the furniture was picked up by merchant and returned to merchant XX/XX/2023 & XX/XX/2023 for refund of {$1700.00} and no refund has been issued. My name is XXXX XXXX last 4 digits of card : XXXX my phone number is XXXX
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

I have a Bluebird Debit card issued by XXXX XXXX XXXX XXXX American Express which was opened in early XXXX. The card is funded via transfers to/from my Checking account at XXXX XXXX XXXX  . All of the sudden the link to my checking account stopped working. I have been trying unsuccessfully for over a week to transfer the funds back to my Checking account. I have called the Helpline many times ( XXXX ), but have been getting the run around. First I was told to unlink my Checking account & relink it. Then I was told I can't unlink it, they need to do it. When it appears linked, and asks to verify the Trial Deposits sent to my Checking account. But when I enter the amounts, the system tells me the amounts are wrong. Then I'm told I need to ignore any Trial Deposits less than a dollar, but all the Trial Deposits are less than a dollar. Each time they re-link the account I'm told I need to wait up to 5 days. I've spoken to several representatives, including a supervisor, and each one gives me different answers. Meanwhile, I can't get my money. At this point I just want to close the account and get my money.
Consumer complaint received 2022-10-06
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.