davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was using my XXXX credit card for the last XXXX months, and discover had trouble reporting my credit card activity to the three credit bureaus. After filing complaints, the discover account finally showed up on the credit bureaus reports and website. Then I was able to get my FICO score generated from XXXX and XXXX, But not from TransUnion. Even though the credit account shows listed in TransUnion, including the last XXXX months of payments and other history. I tried generating the Vantage Score from TransUnion, but still wasn't able to do that. 
I called customer service and they said it was because the reporting was done recently and I have to wait upto three months for the score to be generated. I believe something should be done so my scores are generatable more quickly and lenders can get my FICO score. As I believe the 6 months of history is present in my TransUnion credit report. I am willing to pay extra service fees to make the process quicker and have my report so that scores can be generated and I don't have to wait another three months. Moreover, customer service seems to be unsure about the three months too.
Consumer complaint received 2023-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AK)

With student loans restarting, I was supposed to receive an update on when my loans would be restarting, with at least XXXX weeks notice per MOHELA. I received noticed on XX/XX/23 for repayments that were due XX/XX/23, which is not a three weeks notice. Furthermore, the email I received was backdated to XX/XX/23 to make the three week threshold. I dont think billing statements are allowed to be backdated and it should not have taken over a week to send a simple email. I had no idea at what point in XXXX my payment would be due and barely XXXX weeks notice is not enough.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

n accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX 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 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm filing a complaint against TransUnion for violating my privacy and consumer rights. They've breached the Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, and Opt Out Laws. 

1. They shared my personal data without my written consent, as required by 15 USC 1681 section 604 ( a ) ( 2 ).

2. I wasn't properly informed of my right to exercise nondisclosure, as mandated by 15 USC 6802 ( b ) ( c ).

3. They reported a Chapter 7 bankruptcy without my consent, violating 15 U.S. Code 1681c ( a ) ( 5 ). 

4. XXXX failed to maintain accurate information, as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A. 

5. XXXX reported my student loans without consent, violating FCRA. 

6. They didn't adequately provide the option to opt out of reported information, as per 12 CFR 1016.7. These actions infringe on my privacy and break the law.
Consumer complaint received 2019-08-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Management Partners, LLC (IN)

I had an outstanding debt for medical bills from XXXX Hospital and they sold my information to a debt collector and they have called my workplace several times and when I tried to return the call, it was automated and no one would ever answer. So today, they called my work again and on my break, I called back and the lady said that this was the last attempt before they would start garnishing my wages. So she made me Agree to an amount that I told her was too much and she said if I didnt give her my banking info they would take me to court and start garnishing my wages. XXXX hospital is a nonprofit organization and for them to sell my debt is outrageous. I am totally lost on what to do.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Dear Credit Bureau and CFPB ; Hopefully, you can help me out. Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible. Please see attachments.
Consumer complaint received 2023-09-28
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. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-09-29
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXXXXXX was never late XXXX dept of ed XXXX was never late o The law states that under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

The law also states that 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.

And The law states that 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.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

Greetings, - I had an account with Barclays Credit Card since XX/XX/XXXX and my interest rate has been 22.24 % APR. 
- The account was in very good standing till 3 days ago. 
- I had never received my Barclays Credit Card Statement in mail as I usually do.

- Bank Claims that they mailed it to me ( Their word against my word ).

- I got a call from the Barclays Credit Card requesting a call and that the account was past due. 
- At point I immediately called l to Barclays Credit Card and made the payment XXXX. 
- I looked at the statement and found that I had a Past Due amount of {$65.00} statement ending XX/XX/XXXX - Furthermore, I talked to several people regarding this Interest issue in the chain and they must have updated the entry in the Barclays credit card account I have, and this is what I found. 
- 3 people out of the 4 I talked with XXXX XXXX, Missed the name of the next person and Manager XXXX ( I think that is her name ) all told me that my Barclays Credit Card Interest rate is 22.24 % DAILY. 
- I conformed with each of them and they each said 22.24 % daily. WoW there is a Training gap there. 
- Finally, I got XXXX who is also a manager, said the Barclays Credit Card Interest rate is 22.24 % per year not per day for may account. 
- XXXX was nice and understanding and tried to explain the math to me but still does not make logical sense. 
- I asked XXXX for a written break down and that could not be provided. 
- I understand the late fee, but what dont agree and understand is the Rip Off Interest of {$17.00} for a past due amount of {$65.00} - So, I did some simple math - {$65.00} Past due 30 days 22.24 % APR interest should be 22.24 % / 365 Days = 0.06093151 per day x 30 days = {$1.00} in interest till the next billing cycle - What I fail to understand that Barclays Credit Card charged me Interest on the amount that was waiting to be part of the next months statement still in process for this month. 
- I dont mind paying reasonable interest ( {$1.00} ~ {$3.00} ), but what they charged me {$17.00} - I feel there is some illegal activity going on and needs to be addressed. 
- Barclays Credit Card company can not charge interests on balances that are not come due till the billing cycle. 
- I am planning on paying off the card to avoid asinine, un-regulated and high Dollars in interst - I am requesting a full investigation on this issue and would like a call AFTER  XXXX Pacific Time at XXXX from CFPB and the Barclays Credit Card Thanking you in advance for helping me with this issue. 
Mr. XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

The information being reported by your agency and the other two reporting agencies does not match up. Under the Fair Credit Reporting Act, every step must be taken to assure maximum possible accuracy and that the information is reported complete and correct. I have given this company written instructions to fix the error however they denied the inaccuracy and stated that it was " verified ''. The other two companies, XXXX and XXXX, together with the creditor have all shown that I am not late. Yet Experian is.
Consumer complaint received 2023-09-30
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. (GA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. 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. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX  XXXX XXXX XXXX  XXXX ; XXXXL XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

in accordance with the fair credit reporting act XXXX  XXXX XXXX  account # XXXX and XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A.States i have a 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 one main
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-27
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. (NY)

The accounts listed below must come off of my credit reports immediately! They do not belong to me. I complained to each bureau, filed an FTC Complaint and I will be filing a lawsuit if these accounts are not removed from my credit profile! By law if the credit bureaus do not have copies of the original signed documents bearing my wet signature then they must remove the accounts from their rosters and cease reporting it because they are either knowingly or unknowingly supporting fraud. 

1 ) XXXX {$6800.00} XX/XX/XXXX 2 ) XXXX/XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX   XXXX  XXXX {$5300.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX  {$130.00} XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXX 6 ) XXXX {$210.00} XXXX 7 ) XXXX/XXXX {$540.00} 8 ) XXXX XXXX {$620.00} XX/XX/XXXX 8 ) XXXX   XXXX XXXX {$1100.00} XX/XX/XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.