davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

I purchased this vehicle XXXX of 2016. Since then the collection efforts are beyond belief. You are harassed prior to your payment. Let 's say your due date is the 21st they claim it 's NO grace period which is fine but you are already receiving threatening collections calls, emails, texts, left messages at all of XXXX XXXX  that morning. They do n't even give you the opportunity to open your eyes at least. When a message is left by law you are not to contact me again for that day. With this company that is not the case.
Consumer complaint received 2017-09-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (MI)

I 'm late on my car payments but still pay every month. I 've requested to change the due date on the loan since it is at the beginning of the month, same as my rent is due. They have not done anything to try and accommodate this. Also they call me over three times a day demanding payment, Including Sunday 's and early morning/late evenings.
Consumer complaint received 2017-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

I have been making student loan payments under Income-driven repayment plan since XXXX/XXXX/2012 with XXXX. I also have been employed in public service. Therefore I should qualify for over XXXX payments towards my XXXX for XXXX XXXX XXXX XXXX per XXXX. Now that I have switched over to Fedloan Servicing they are not wanting to count over half of my payments and have very inaccurate information. I personally believe that they are trying to find loopholes in the system to generate more revenue for the company.
Consumer complaint received 2024-08-29
Product: Credit reporting 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)

I am writing to formally lodge a complaint regarding the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Privacy Act of 1974, and the Equal Credit Opportunity Act ( ECOA ). I have discovered an inaccurate, unverifiable, and unauthorized inquiry on my credit report, which is in direct violation of these federal protections. 
Specifically, this unauthorized inquiry violates the following statutes : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681c ( Requirements Relating to Information Contained in Consumer Reports ) 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ) The presence of this inquiry on my credit report is not only unauthorized but also unverifiable, as it lacks any legitimate basis for its appearance. This inaccurate information severely impacts my creditworthiness and reputation as a federally protected consumer. 
Efforts to Resolve I have reached out to all three major credit bureausXXXX XXXXXXXX, and TransUnion regarding this matter. Despite my efforts, which include providing detailed information and requesting the removal of this unauthorized inquiry, my concerns have been ignored. The lack of response from these credit bureaus is unacceptable and exacerbates the harm caused by this inaccurate reporting. 

Impact on Creditworthiness As a result of this violation, my creditworthiness has been unfairly and negatively impacted. The presence of unauthorized inquiries can lower my credit score, thereby affecting my ability to obtain credit on favorable terms. This is a direct infringement on my rights under federal law, and it must be rectified immediately. 

Request for Action I am requesting that the CFPB take immediate action to investigate this matter. The unauthorized and unverifiable inquiry must be removed from my credit report, and the responsible parties must be held accountable for this violation of my consumer rights. 

Additionally, I request that the CFPB ensures that the credit bureaus respond to my inquiries and correct my credit report to accurately reflect my credit history without the unauthorized inquiry. 
As a consumer, I rely on the protections afforded to me by federal law to ensure that my credit information is accurate and secure. The violations in this case are serious and have caused undue harm to my financial standing. I trust that the CFPB will take the necessary steps to address this issue and uphold my rights. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-29
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. (NY)

I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-30
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. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-29
Product: Credit reporting 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. (IL)

I have sent several letters to Transunion, XXXX, and XXXX on XXXX2024, XXXX/2024, and XXXX2024 advising that the hard inquiries as well as other accounts on my credit report were false and or incorrect. I have been affected by several global data breaches and simply never authorized any of the hard inquiries on may credit report as well as the presence of illegal collection accounts on my credit report. Each reporting agency has not provided proof of the validity of these accounts in the legal time frame provided. As a result, they are in direct violation of Section 604 of the Fair Credit Reporting Act ( 15 USC 1681 ).

As a result, these items that are negatively affecting my credit should be removed. I have request that each agency verify the accuracy of the information contained in my credit report, especially the legitimacy of the data or the entities that have accessed my credit information and that has not been done in a timely manner.
Consumer complaint received 2017-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX account number XXXX ; 2. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have never seen a credit card or requested a credit card from XXXX XXXX XXXX. XX/XX/20 informed XXXX that this bill did not belong to me & that I had never seen a card or used XXXX. I filed a cardholder fraud dispute with them on XX/XX/20. I sent the requested dispute form, police report & ID. Also filled a dispute with AZ Attorney General regarding this error. At no time or occasion did I use a credit card with this credit union. I purchased a car through them & proceeded to pay them off. They had my info & signature for that transaction.
Consumer complaint received 2024-08-29
Product: Credit reporting 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. (TX)

A couple of months ago i noticed a few unauthorized inquiries on my credit report. I immediately called all three credit bureaus and notified them of the errors, however they have yet to delete these discrepancies off my report which is hindering me. I am writing to formally request your assistance in addressing fraudulent inquiries that continue to appear on my credit reports. Despite my diligent efforts to resolve this matter, these inquiries have not been removed by the credit bureaus, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted all major credit reporting agencies ( XXXX, XXXX, and TransUnion ) and provided them with all required and requested documentation, including identity theft reports and dispute letters. However, the credit bureaus have failed to remove these fraudulent inquiries, which is a direct violation of FCRA laws, including but not limited to : - **15 U.S.C. 1681b ( c ) ** : Permissible purposes of consumer reports Credit inquiries must have a legitimate reason, and these fraudulent inquiries do not.

- **15 U.S.C. 1681i** : Procedure in case of disputed accuracy The credit bureaus are required to investigate and correct or remove inaccurate information, including fraudulent inquiries, within 30 days.

- **15 U.S.C. 1681s-2 ( a ) ** : Responsibilities of furnishers of information Those reporting to the credit bureaus must ensure the accuracy and integrity of the information provided, including inquiries.

The continued presence of these unauthorized inquiries on my credit reports has caused undue harm to my credit score and overall financial well-being. I respectfully request that the CFPB intervene to ensure that these inquiries are promptly and permanently removed. 

Please let me know if you require any further information from me to expedite this process. I appreciate your attention to this matter and look forward to your prompt response.
Consumer complaint received 2024-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Cognition Financial Corporation (TX)

XXXX XXXX XXXX can not find my payments for : XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} XXXX/XXXX/XXXX {$280.00} I have sent numerous letters year after year after the start of the loan repayment asking for receipts, confirmation for payments, left messages, no one returned my calls or letters. There is no online capability to make payments, so there is no possibility to track electronically. All payments have been made my mail with a check. I have tracked some of these payments with check numbers. I finally was able to communicate with someone with XXXX a few yrs ago. I found out we were not on the same page of payments made. I found out their address had changed when I received a return mailed check, no one had told me their address had changed and I had to research how to get a hold of someone there. When asking my bank for proof of payments, they told me they destroy all bank transactions that are older than XXXX yrs old. XXXX does not have any proof of transactions either. My payments are divided into XXXX different accounts when received for deposit. It also takes a long time for them to get deposited. I do not receive any confirmation, and was told I never will receive any kind of receipt.
Consumer complaint received 2017-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (NV)

Convergent Res called to say I owed money on a XXXX XXXX account. XXXX XXXX is no longer a banking institution nor has it been for a long time. Additionally, I have never had a XXXX XXXX account or any of their banking products. 

After telling the company the aforementioned, I was asked to provide Personally Identifiable Information ( PII ) in order for them to place me on their " do not call list ''. Asking for PII is highly illegal, especially after I 've told them they have the wrong person.
Consumer complaint received 2018-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

I am a medical resident that has been trying to pay back my loans with FedLoan. I submitted to be on pay as you earn four times during my second year in residency, and I was denied because they said I made too much money. When I spoke to them, I finally got through to a supervisor who said this was their fault and I can be back on PAYE. However, before this happened, they capitalized XXXX dollars on XX/XX/18. I called immediately about this, and they said that this should not have been capitalized and that it is their fault and they will submit a request to have it changed. It has now been almost three months, and I have been placed on income contingent, then forebearance, then income contingent, and now finally back to pay as you earn. They also sent a letter saying I now have XXXX more dollars that will be capitalized due to all of the switching. I called and they submitted another request to have this changed. SO now I have XXXX dollars of capitalized interest that should never have happened, and they refuse to let me speak to the people in charge that deal with these complaints. I can barely afford to live on my resident salary, and I am never going to be able to pay back these loans if they keep messing it up. PLease help!.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (ID)

With the Equifax data breach, my wife and I spent hours trying to 1 ) get our credit reports from XXXX, Equifax and XXXX, and 2 ) trying to freeze our accounts. I have finally received my credit reports from XXXX and XXXX on line but Equifax is requiring me to send them a letter with all kinds of documentation. I do not have time for this XXXX. My wife had to call XXXX to get a freeze on her credit and spent an hour on hold. Once connected the representative she could not understand the person due to a heavy accent. Why are these agencies permitted to hire non-American to deal with our sensitive information? How do we know they are n't selling it? I have disputed several mistakes on my credit reports ( wrong addresses ) without resolution. I have a very good credit score - I have never missed a payment or defaulted on a loan so my score should be perfect yet it is n't because I " do n't have the right kind of loans and I do n't keep a balance on my credit cards. '' What? I am a superb credit risk yet they judge me because I do n't take risks. Finally when we put freezes on our accounts we had to pay a {$6.00} fee to Transunion and XXXX for a total of {$24.00}. Equifax should be paying this not us as they made the XXXX up. This entire process needs to be shut down.