davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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. (GA)

To Whom It May Concern I am challenging the incorrect information with XXXX where all 3 Bureaus XXXX, XXXX, and Transunion have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was. The account is being reported as a Charge Off and by law, you can not collect on a charge-off account nor report it monthly. 
I contacted all XXXX bureaus XXXX, XXXX, and Transunion as well as XXXX. Well, the law states that with a charge off a company can no longer collect on the debt because they wrote it off to the IRS. This is a cancellation of debt. I received a 1099 C in the mail and had to file this with my taxes. I then know that you can not report income to the credit to my consumer report. All reporting agencies prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. This is inaccurate information and I need it deleted immediately.
Consumer complaint received 2022-04-28
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: Nelnet, Inc. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX ( Nelnet ), 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 that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 166B : A creditor may not treat a payment on a student loan account under an open end credit plan as late for any purpose. 


Note : This account was fully discharged due to my 100 % XXXX VA rating in XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-10-22
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: SECURITY FINANCE CORP (AL)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2021-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XXXX I sent a letter as to all 3 credit reporting bureaus regarding inaccurate and unknown things on my credit report to this day it has been almost 2 months and I have not received a response yet. I feel like Im being taken advantage of and my disputes are being ignored. I don't know what I need to do from here for my valid concerns to be addressed. These things are effecting me from obtaining credit and makes me look bad. I want these inaccurate items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I request these accounts be deleted immediately or I will file further complaints and go as far as any litigation due to the stress you are causing me. My personal and private information was impacted by the Equifax date breach this could be the reason for these inaccurate things to be on my credit report. I'm unaware of these things on my report that I disputed. Please help me resolve this as soon as possible. Thank you
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NM)

I took a promotional offer with Comenity Bank to pay for a dental procedure with 0 % interest for one year. The promotion ended on XX/XX/19. Knowing I would be charged approximately {$600.00} interest on a balance of approximately {$1200.00}, I made a balance tranfer with XXXX  XXXX XXXX to pay the remaining balance onXX/XX/19. I obtained a copy of the check XXXX XXXX XXXX sent to Comety dated XX/XX/19. Comety is one of the few banks that require a snail mail payment from other banks. I was not aware of that. Comety did not process my payment until XX/XX/19 and charged me the penalty interest.
Consumer complaint received 2018-07-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

My son and I went through Sallie Mae for a private student loan due to the outrageous expense of attending XXXX, XXXX, Oklahoma. Then, my son only stayed 2 months and withdrew, nothing was refunded back to our loan. He has had to pay to defer, only works part time, going back this XX/XX/XXXXto a lower cost university, but the interest rate with Sallie Mae is outrageous!!! I believe it's 12.875 %, which is absurd for a struggling student and his struggling parents!! Their rules are ridiculous, and certainly no flexibility with repayment!! Even if we simply pay on interest while my son finishes his degree, we will not accomplish anything, no affordable payment plan, interest to high, to many penalties!! How in the world can someone achieve a degree when already defeated with such an unreasonable student loan??
Consumer complaint received 2021-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (MO)

Rent Recovery Solutions is reporting an erroneous debt on my credit file. They are double reporting a debt on my credit file. They are reporting two collections for XXXX XXXX. For starters i never received a letter call or notice about this debt which is a violation of my 30 day right to dispute. Second double reporting a debt is against the FCRA guidelines. They need to remove this debt from my credit file ASAP.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (PA)

My father died as a non-resident alien with an account in the United States. 

I am the executor of his estate and non-resident probate has been granted in XXXX XXXX, New Jersey. I am a US citizen and resident. 

There is only one asset to be probated.This money is in an orphaned account at XXXX, XXXX the financial clearinghouse of BNY/Mellon. The money is in cash. It was in a cash account at a brokerage firm that went defunct many years ago which is how it ended up in XXXX. This account is NOT associated with any US business. 

XXXX had several requirements to release the money NONE of which they would put in writing, all verbal. Once I sent the latest requirement, they came back with two more. One of those I am willing to comply with as it is reasonable. 

I believe they have no valid reason for the second requirement. 

This second requirement is that I receive a transfer certificate from the IRS. Please note that the purpose of a transfer certificate is if the money is leaving the country. I am asking for the money to be transferred from my father 's account in New Jersey to his Estate account in Pennsylvania. The IRS will be able to track the money through the EIN of the Estate. 

Here are the reasons why I think a transfer certificate is not required : 1. On the IRS website, under " Transfer Certificate Filing Requirements for Non-US Citizens, it states " ... A transfer certificate is NOT required for property administered by an executor or administrator appointed, qualified, and acting within the United States. '' 2. XXXX also states that this is required because the assets in the account are over {$60000.00} ( It is about {$120000.00} ). On the IRS website under the same heading it says " If the value of the decedent 's taxable assets in the United States exceeded XXXX '' It refers you to Form XXXX to determine what are " taxable assets in the United States . '' XXXX is taking the position that the physical location of the assets determines that is a taxable asset. That is, that if in the US, it is a US taxable asset. 
Reading the instructions that is not correct. It breaks down US " taxability '' of assets based on the type asset, not merely physical location in the US. For tax reasons US situated assets include American real  estate, personal property, and securites. 
Exceptions to XXXX " taxability '' include securities that generate portfolio interest and bank accounts not used in connection with a trade or business in the US and insurance proceeds.

3. At this time the only money in the Estate account is the {$5.00} required to open it. There is no money in the Estate until XXXX transfers it. 

I have complied with all of XXXX requirements but I am not willing to comply with this one without a valid reason.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes on my credit report with transunion that is hurting my file.please review an delete the data listed. alot of information is inaccurate on my credit report. my file needs to be corrected to help fix all of the inaccurate information listed asap.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with XX/XX/XXXX on my behalf, with no response from XX/XX/XXXX. also i disputed with XX/XX/XXXX 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.
Consumer complaint received 2022-04-28
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: Westlake Services, LLC (SC)

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 an account without my written consent.

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 purpose.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

For the past year and a half I have wanted this mortgage company to simply just get my taxes correct, for the year they are just about XXXX. I filed my first complaint and it took them 5 months to resolve while they were trying to figure out the issue I was forced to pay a extra XXXX a month on my payment. When they finally resolved the issue and all seemed well it popped up again. Now here we are 8 months down the road they have paid a extra XXXX this year on my taxes and my escrow is almost negative again which will lead to me paying a extra XXXX a month which I will not have. If they simply mailed a certified check for the taxes this would not happen. But since they do not the county/town mail the check back it never gets refunded and 3 months go by and the town/county send another tax request from the lender with interest stating it needs to be a certified check which at that point they pay it correctly with the interest, so after one year goes by I pay my taxes double and only after I make these complaints does it get resolved, after the last complaint they sent me a letter stating they would release paying my taxes and I would have to do it myself, I do not want to go to the town/county and pay them myself I just want to simply pay my mortgage and for them to do there job and pay the taxes.Now I will need another refund and have to wait for the chairman who seems to be the only person from this bank with common sense to get in touch with me.
Consumer complaint received 2022-04-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account 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 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account 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 2021-12-08
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: Experian Information Solutions Inc. (DE)

XXXX XXXX, XXXX XXXX, This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), ( Original Creditor : XXXX ) I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately. 

XXXX XX/XX/2021, XXXX XX/XX/2021 I dont remember permitting you to pull a credit report. Delete this immediately. 
XXXX XXXX XXXX XX/XX/2021, XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Consumer complaint received 2021-06-01
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: Klarna AB (MD)

Please see correspondence to Klarna below : I made a purchase at XXXX XXXX/XXXX  online for {$370.00} using a Klarna one-time card. Of this I paid {$65.00} up front. 

I returned this item ( green circled item on receipt ), along with 2 other items purchased at XXXX XXXX ( see the receipt attached ). XXXX XXXX returned the ENTIRE return to the one-time use Klarna card ending in XXXX ( see the red circled area on the receipt. ) even though the other 2 returned items were originally paid with my private debit card. 

Please advise what you all have done with the excess {$120.00} that was refunded to your one-time use card. XXXX XXXX is unable to produce any further transactions because the money has now been released to that Klarna card. 

Please note I have contacted Klarna twice previously ( via chat and phone ) and was advised to email this picture as proof that Klarna was the recipient of these excess funds. 

Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Trans Union is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF XXXX XXXX XXXX US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not the borrower, XXXX XXXX Account # XXXX, Account holder not the borrower US BK XXXX  Account # XXXX, Account holder not the borrower XXXX XXXX XXXX Account # XXXX Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX XXXX Account # XXXX, Account holder not the borrower XXXX XXXX  Account # XXXX, Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX  Account # XXXX, Account Holder Not the borrower XXXX Account # XXXX Account holder not the borrower XXXX  Account # XXXX, Account holder not the borrower XXXX Account # XXXX Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX XXXX  Account # XXXX, Account holder not the borrower XXXX XXXX Account # XXXX, Account holder not the borrower XXXX Account # XXXX Account holder not the borrower XXXX XXXX Account XXXX XXXX, Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX XXXX XXXX Account XXXX XXXX, Account holder not the borrower XXXX Account # XXXX
Consumer complaint received 2021-06-01
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. (LA)

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report. I contacted Equifax last month about these fraudulent inquiries on my credit report and submitted the identity theft report and they did nothing. Its been XXXX  days already. They are violating my consumer rights at this point. I also completed a complaint last month. I don't want an investigation these fraud inquiries need to be removed asap.
Consumer complaint received 2021-12-08
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. (SC)

I, XXXX XXXX have resided at the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX for almost XXXX years now and I have an high impact inquiry on my credit report from XXXX and Ive never even had an XXXX account before. This inquiry has damged my credit score and my ability to get things. Im not sure if my address was used for this bill but it was not me XXXX created the XXXX account. Ive constantly asked that it be removed and it havent yet. If possible could you please help me. Thank you in advance!
Consumer complaint received 2020-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.