davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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. (OH)

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.

has violated my rights. Or a list of inquiries : 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 2024-01-17
Product: Credit reporting 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: Nelnet, Inc. (TX)

There are loans ( Dept. of education Nelnet ) on my credit report due to XXXX XXXX and XXXX XXXX XXXX giving me false information stating that I can attend actual college classes when I didn't have a GED or a diploma. I have no idea how the paperwork was approved through their system having I had not completed XXXX grade. 



Other information about the other reporting I have attached the report in the pdf form from CFPB.gov site.
Consumer complaint received 2024-01-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affiliated Collection Services, LLC (NJ)

This complaint is against accurate collection service which is fully owned by XXXX XXXX XXXX as I was told by their billing department. 

I went to the emergency room in XXXX XXXX XXXX in XXXX during XXXX. And then was told that I was admitted to the hospital for XXXX ( obviously XXXX is the way to remove the source of the pain. Without XXXX, the most that can be done is pain relief medicine which I can take at home ) and to vacate theemergency room since there is not enough emergency room. It turns out that no XXXX was given to me in XXXX   no matter how strongly I requested because there is not enough physician. And they changed the status to hospital observation ( in order to get paid ) without noticing me of that. If it was not for XXXX, I would stop them transferring me to the hospital even if forced to move, and would go home. Staying in the hospital room resulted in physical, financial and emotional harm for me. The so called observation is their language for waiting for XXXX since I was deprived of sleep, freedom and was bothered by people who talked to me and I had to pay them separately. Had I not requested to leave the hospital later realizing the intention was not XXXX, they would have left me in the hospital room for the rest of XXXX. I was told I could not leave the hospital without the release paper. It took a long time for the release paper to be provided to me. In a way this is kidnapping. It is not appropriate to keep patients in hospital to bring revenue for the hospital, while hospital stay is a XXXX  to the patient. 
As a big surprise, the charge for the hospital observation was over {$10000.00}. This is clearly an abuse of the system. The hospital observation is just their way of making additional enormous money and is absolutely not necessary since there was no XXXX. This constitutes fraud to deceive patients to get payments. 
this is very aggressive billing and collections practices. This hospital is non-profit, which should make sure they deserve the tax exemption. More than Enough profit has been made on my case during XXXX  and XXXX consumers need to be protected from unfair and deceptive business practices by hospitals and debt collectors. 

I therefore ask that the bill be fully waived, which is not even enough to compensate for the physical and emotional harm that XXXX XXXX XXXX put on me. 

upon calling their billing department, I feel threatened that after the collection stage, they would send the bill to XXXX XXXX XXXX who would sue for this bill, which is prohibited by federal law. I request no contact in any means from XXXXXXXX XXXX XXXX. I would also like to speak to the president and CEO of XXXX XXXX XXXX. If they do not let me talk to the president and CEO, then this debt is considered waived.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX is showing up three times on my Credit Reports .

The amount allegedly owed is {$660.00}. This account was sold to XXXX and then sold to XXXX XXXX  on behalf of XXXX. 

Due to this error, please remove the account listed under XXXX  XXXX on my credit report. 

According to the FCRA, a debtor must attempt to contact you before a debt is sold. XXXX XXXX has not contacted me, nor has XXXX.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

Citibank sent me an email indicating a " recent review '' of my credit report made them decrease my credit limit from XXXX to XXXX, only leaving me with XXXX available credit and then they would be able to charge " over the limit '' fees. I called to submit a dispute and was only told to check XXXX. I have always paid my bills on time and no specific reason for the reduction. My credit report does NOT have any derogatory marks, such as collections, judgments, or bankruptcy. I have never been late on the payments to CitiBank. I do not believe their decision was fair and I have never filed for bankruptcy and my payment history over two years has NO late payments. NO derogatory marks. In fact, last year they increased my credit limit. And then today this happens with no warning. It was reduced just enough to make it easier for them to charge " fees '' for being over the limit and report that to credit bureaus. 
I also have a mortgage and personal loan reporting as current as well. My utilization is being worked on. But that does not justify this decision.
Consumer complaint received 2024-01-17
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 have been back and forth with Transunion and XXXX on these inquiries I have not apply at these places and all the want to do is sell me a service I need the following removed from my report. 

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 Please I have been at this for sometime. And this can't be factual data if it's not facts I never applied at these places.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It has been almost 2 months since I originally disputed information on my credit report. I have not received notice of investigation, notice of dispute, or any update to my credit report. Information is inaccurate and needs to be removed from my report. Representatives tell me they will get to my request but nothing happens. This isa direc violation of my consumer rights.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Unable to attain information regarding two of the three accounts which is listed on my Bank statements one of which has been confirmed by the Social Security Administration the Other two listed as XXXX XXXX XXXX  with different Account Numbers which I have reason to believe may have something to to with Former Employment one which always end in XXXX and the other XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Re : Formal Complaint - Violation of 15 U.S. Code 6802 - Discrimination Concern - Capital One Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a potential violation of 15 U.S. Code 6802 by Capital One, a financial institution that I have an account with.

As a consumer, I am entitled to privacy protections under this statute, which mandates that financial institutions adhere to specific requirements when disclosing personal information. Section 6802 stipulates that financial institutions may not disclose nonpublic personal information to nonaffiliated third parties unless certain conditions, such as providing proper notice and an opportunity to opt-out, are met.

My concern is twofold : a potential violation of this statute and the consistent misuse of my credit report. I spoke with a manager at Capital One on XX/XX/2024, at XXXX XXXX. Unfortunately, despite my efforts to seek clarity and assistance, the manager refused to provide any help or information.

This refusal to assist has intensified my concerns, leading me to believe there may be a deliberate pattern of negative reporting that goes beyond normal circumstances. Consequently, I feel compelled to bring the issue of potential discrimination to your attention. 

This letter serves as a formal request for your intervention in this matter. I am urging a thorough investigation into the potential violation of 15 U.S. Code 6802. Additionally, I request confirmation as to whether Capital One has complied with the statutory provisions. If a violation is determined, I kindly request that Capital One ceases and desists from reporting any further negative information on my credit reports. 

Given the urgency of this matter, I would appreciate your prompt attention. Furthermore, I insist on a thorough examination of the potential discrimination issues arising from the consistent misuse of my credit report during the investigation. 

I am submitting this complaint electronically for your records. Please acknowledge receipt at your earliest convenience. 

Thank you for your attention to this serious matter. I look forward to your assistance in resolving these concerns. 

Sincerely,
Consumer complaint received 2024-01-17
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA (VA)

I am a student loan borrower who has historically been serviced by XXXX  until recently being switched to MOHELA. 

On XX/XX/XXXX, I applied for the SAVE Income-Driven Repayment ( IDR ) plan on the Federal Student Aid website. My monthly payments under this plan were set to be {$0.00} XXXX XXXX XXXX XXXX 

My loans were transferred to MOHELA in XXXX XXXX XXXX This was a result of being approved for Public Student Loan Forgiveness ( PSLF ). On XX/XX/XXXX, MOHELA charged me {$180.00}. My bill from XXXX said I had a {$0.00} XXXX XXXX XXXX XXXX payment due on XX/XX/XXXX, so I was unsure why I had to pay {$180.00} when my loans were transferred. I called MOHELA on the due date ( XXXX XXXX  to inquire why I was charged when my payments are set to be {$0.00} on the IDR plan I am currently on. The woman I spoke to said she didn't know why, and said she would ask her supervisor. I was on hold for a while longer, to which she said her supervisor didn't know either. I paid the {$180.00} to prevent my account from becoming delinquent. 

I went back to the Federal Student Aid website to recertify my IDR plan on the same day after the phone call XXXX XXXX XXXX thinking that would help. It still says my payments should be {$0.00} each month given my financial status, loan amount, filing status, etc. The IDR has been submitted to MOHELA, but still has not been processed as of XXXX 

The following month, I received another bill for the same amount ( {$180.00} ) with a due date of XXXX I paid it, again, in fear of becoming delinquent. 

Now, I have suddenly been placed into a completely different repayment plan without ANY notification. This repayment plan is called the " Standard/Level '' plan, and makes my payments {$420.00} a month. I did not switch payment plans and have always wanted all my loans to be on the SAVE plan. Today, XX/XX/XXXX, I went ahead and manually submit ANOTHER IDR plan on the Federal Student Aid website, which still says my monthly payments should be XXXX 

On top of all of this, MOHELA has entered my employer 's information incorrectly for PSLF. While I am still actively employed by my employer, my employer has an " end date '' listed in my MOHELA account, meaning the payments that I am making do not count towards PSLF because my employer is not certified correctly. I have never left my job and have always been working here, and do not know why there is an end date listed when I have submitted all the proper forms. Of course I submitted a manual PSLF application ( on XXXX XXXX  to remedy this, but as of XXXX it has not been processed. I have also sent numerous messages on the secure chat center ( on XXXX XXXX XXXX XXXX and have gotten no reply.
Consumer complaint received 2024-10-23
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. (CA)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

On or about XX/XX/2024 tried calling Transunion to remove two unauthorized hard inquires they refused claiming I had to file an ftc identity theft report then submitt it to them before they can remove these to hard inquiries when number one its not an issue of identity theft but but rather a company that decided to to shop my info after applied for card that was suppose to be an equafax inquiries only. Secondly the By the provisions of the Fair Credit Reporting Act, I'm not required to file any type of identity theft report nor does either of the other two require this nonesense.

, I demand that these 2 hard inquiries items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. There refusal to act in the absence of a identity theft report is unlawful the standard is can a creditor verify that they have been authorized and they have not.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am asking for your support with the incorrect account being listed on my credit report. This issue has been damaging to my reputation, and I need your help. Your handling of my credit report has negatively affected me, and the false reporting has done serious harm to my reputation. You must remove the Please remove and block the false accounts being reported on my credit report. This needs to be done immediately.incorrect details from my credit report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

My account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 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. XXXXXXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX