davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
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: Verisk Analytics Inc (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CA)

Please note your website did not recognize the number listed below. 
CFPB COMPLAINT # XXXX Discover Student Loan, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX 1 ) XXXX - Discover Student Loan took over the loans from XXXX XXXX XXXX XXXX {$47000.00}. 
2 ) XXXX - Graduated from XXXX XXXX XXXX XXXX. 
3 ) XXXX - Began 'Autopay ' to make payments for the loans to Discover Student Loan. 
4 ) XXXX - I asked for an accounting of payments. Discover Student Loan did not apply any of my payments to the principle from XX/XX/XXXX - XX/XX/XXXX. After repeatedly requesting part of the payment be applied to the principle, they began to pay down the principle in XX/XX/XXXX. 
5 ) We always paid Discover Student Loan through 'Autopay ' so payments would not arrive late. However, a {$570.00} late fee has arbitrarily appeared on statements. 
6 ) Discover Student Loan also uses three different Customer Account # 's in the correspondence I receive from them. I have never received notification stating my Customer Account # was changing. 
7 ) I have paid an average of {$63000.00} over 9/years. Understanding interest is added to my loans why do I still owe {$56000.00}. I've paid $ XXXX. plus an extra {$2000.00} on 2 loans to principle only ( this is not added in the {$63000.00} ). What is Discover Student Loans doing with my payments.
Consumer complaint received 2022-05-19
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. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-08-22
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. (FL)

Transunion has violated my consumer rights under 15 U.S.C 1681.

As a natural person, human being, and a consumer, I have rights under 15 U.S.C 1681. 

TRANSUNION is govern by 15 U.S.C. and has violated my rights numerous times. 

Therefore, I demand the accounts listed below be REMOVED/DELETED AND for TRANSUNION to ADD A BLOCK will prevent these accounts for being added back into my credit report. Further, I demand for all inquiries ( hard and soft ) be remove. 

I DID NOT GIVE ANY WRITTEN PERMISSION TO TRANSUNION to furnish any of these accounts nor to add any inquiries in my credit report. 

My request is made because according to 15 U.S.C 1861 : I have the right to privacy.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies I want for Transunion to : 1. DELETE and ADD A BLOCK ON THESE ACCOUNTS TO PREVENT FROM BEING ADDED BACK INTO MY CREDIT REPORT WITHOUT MY CONSENT : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Account # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. DELETE and BLOCK ALL INQUIRIES : Regular, Promotional and Account Review.
Consumer complaint received 2022-05-19
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. I sent a debt validation letter to them in XXXX. Its been 45 days and they have yet to send all the requested documents. They are violating my rights. There has been no document presented to me proving that I owe the alleged debt nor that I have even engaged in doing business with them. The date opened, comment, and last active dates are inaccuate when comeparing my XXXX and XXXX consumer reports. There's different information on each one. This is also a violation. Having this inaccurate item on my consumer report is negativly impacting my ability to secure credit and loans. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-12-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOLEDO FINANCE CORPORATION (OK)

I was contacted about my past due debt on XXXX because I was past due on my account due to being laid off from my job earlier in the year. I had repeatedly told XXXX from Toledo Finance this and she said she would work with me, unfortunately her idea of working with you is you need to pay it right now or in a few days. I told her I would continue paying as I have but it would be late because I am just picking up odd jobs to make ends meet until I am gainfully employed once again and she said she understood but continued the calls and texts over and over to try to collect when she knew my situation. I could of dealt with that but where the problem came in is the phone call she placed to me on XXXX she informed me that if I did not pay by the end of the current month then my credit report would reflect in a negative fashion and I advised her it would have to be 30 days before she could do that. She then said " I never said that '' and I said you did and advised her I have been in the business a long time and you can not be deceptive by lying about a negative hit to my credit report and then I hung up. I was in extreme distress due to the fact I was being hit from every angle during this difficult time and that phone call did nothing but increase my XXXX  and put me in a XXXX XXXX for several weeks. I was due for the 22nd so when she called I was only 8 days late at the time. I reached out to company and the district manager called and apologized for the behavior of his staff and said if I needed anything else to let him know. I am sure this phone call was recorded by company to verify my account of what happened on that phone call. I would never in my life put someone like XXXX to represent the face of my company purely based on her lack of compassion in even the slightest and then threatening negative consequences that are nothing but lies.
Consumer complaint received 2022-06-01
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. (NY)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was XX/XX/2022. Upon Reviewing a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. Delete the Following items as they resulted from the Identity Theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX Balance XXXX : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$250.00} ; and XXXX  XXXX Balance Owed : {$350.00}.
Consumer complaint received 2022-06-01
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)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was XX/XX/2022. Upon Reviewing a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. Delete the Following items as they resulted from the Identity Theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$250.00} ; and XXXX  XXXX Balance Owed : {$350.00}.
Consumer complaint received 2022-09-19
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. (VA)

In accordance with the fair credit Reporting act XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXXXXXX XXXX Acct XXXX 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 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.
Consumer complaint received 2022-05-19
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. (TX)

Someone got a hold to my personal information and attempted to get a vehicle. XXXX caught the incident and stopped it. 

I reported this to all bureaus due to the fact the let the person run my credit over 30 times
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-05-19
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MI)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under [ 15 U.S.C. 1681 ] section 602 states I have the right to privacy [ 15 U.S.C. 1681 ] section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 1666 ( b ) ] a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-19
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 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 under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-17
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. (IL)

XXXX XXXX  XXXX  # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-05-17
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. (IL)

XXXX XXXX  XXXX  # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-05-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX the following Accounts : has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX late payments Current, was past due 90 days XXXX XXXX XXXX late payments Current, was past due 120 days XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX payments XXXX XXXX XXXX XXXXXXXX XXXX late payments XXXX XXXX XXXX XXXX XXXX late payments XXXXXXXX XXXX XXXXXXXX XXXX late payment XXXX XXXX XXXXXXXX XXXX XXXX late payments XXXX XXXX XXXX late payment XXXX XXXX XXXX late payments 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 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.
Consumer complaint received 2022-05-19
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. (PA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DPT EDXXXX XXXX Balance : {$210000.00} DPT ED/NAVI XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance XXXX {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX XXXX : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I had my mortgage with Specialized Loan Servicing. I sold my home on XX/XX/2022 which is the same day my electronic payment was sent to pay for the month. I have requested a refund check since XXXX I have not received one. I have called at least 3 times requesting my refund. The last phone call I asked for electronic payment back to my account or overnight it to my new home. I was told they couldn't. They have held my money for 6 weeks. I keep getting promises of checks - I want my refund. It is very easy for Specialized Loan Servicing to collect my mortgage electronically, but they refuse to refund it electronically. Who sends paper checks anymore???