davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX, XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I am filling this complaint because I have been ignored by the Equifax. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months.
Consumer complaint received 2024-10-24
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)

To my shock, I found incorrect accounts listed on my credit report this morning, and Im baffled as to why. I routinely check my report, but this time there were unexplainable discrepancies. I tried refreshing the page, thinking it might be a technical issue, but nothing changed. I am pleading for the documents Ive submitted to be carefully reviewed so I dont have to live in constant anxiety about this happening again.
Consumer complaint received 2017-01-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (PA)

Reason for Contact : We used the CareCredit card to pay for a dentist appointment. We were told that we had to pay a monthly fee until we pay off the whole account. We did n't have a limit or anything like that. After we paid almost a XXXX dollars from the monthly fees, they charged us with an interest fee with a {$1.00}, XXXX when we were told there was no interest and all we had to do with was pay our monthly fee to pay it off. That 's unfair and an act of theft. I work hard for my money for them and I paid my monthly fees on time for them to try and do that.
Consumer complaint received 2024-10-23
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. (VA)

Certainly! Heres a template for a dispute letter regarding inquiries on your profile. Feel free to customize it to fit your specific situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/year> Transunion, XXXX, XXXX Subject : Dispute Regarding Inquiries on My Profile Dear Consumer Finance, I hope this message finds you well. I am writing to formally dispute the inquiries associated with my profile, which I believe to be inaccurate or unauthorized. My profile details are as follows : Name : XXXX XXXX XXXX XXXX : XXXX Upon reviewing my profile, I noticed multiple auto loan inquiries such as 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 Also personal information is accurate as well. Addresses, phone numbers, as well as Names are incorrect and need to be corrected and removed as well as the hard inquiries. These discrepancies have raised concerns for me, and I would like to address them promptly. 

Section 609 ( a ) of the FCRA generally requires consumer reporting agencies to, upon request, disclose all information in the consumer 's file at the time of the request and the sources of the information. 

I kindly request that you investigate these inquiries and provide clarification regarding their legitimacy. Additionally, if any inaccuracies are found, I ask that you take the necessary steps to rectify my profile accordingly. 

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me at XXXX or XXXX should you need any further information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-11-19
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: AES/PHEAA (PA)

My mother and I took out a student loan through XXXX years ago and it was eventually taken over by American Education Services or AES. My mom makes payments to the loan every month and has been making the payments the same way for the past XXXX or 6 years. Recently AES took over another loan of mine that I had through XXXX with my father, it was a much smaller loan compared to the one I am complaining about. They took this XXXX loan over XX/XX/XXXX and when they did that part of the payments that my mom was making to our larger loan was being applied to my smaller loan. This was an error on AES part. My mom filed a complaint through you already and AES also sent a letter apologizing to her for the error that they made and informed her that they requested for the derogatory information be removed from her credit report and that her credit would be fixed within 60 days. Her credit is now fixed with her score rising back to where it was prior to this happening, however, my score suffered as well and was never fixed. I filed a dispute through credit karma and the dispute was completed saying they removed the derogatory information from my report however, when I pull up my score it was never corrected. Also, when I pull the payment history it says 30 days past due XX/XX/2015 which is incorrect. Any help getting my credit score fixed from this would be a great help.
Consumer complaint received 2017-02-15
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: M. G. Credit, Inc. (FL)

Re : Complaint against : XXXX XXXX, M.G. Credit, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX On XXXX XXXX, 2017, XXXX. XXXX ( Debt Collector ) sent me XXXX XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, the attached collection letter marked Exhibit ( One ) I XXXX XXXX responded with a Public Law 95-109, Section 805-C, the Fair Debt Collection Practices Act Certified Letter, Exhibit ( Two ) dated XXXX XXXX, 2017. 

USPS Tracking confirmation dated XXXX XXXX, 2017 confirmed the delivery of the Certified Letter. See Exhibit ( Three ) XXXX XXXX, of M.G. Credit, XXXX XXXX XXXX, XXXX, FL XXXX, sent a response that was undated to attempt to circumvent the law, as I never asked for proof of debt. 
Exhibit ( Four ) M.G. Credit is in violation of Public Law 95-109, Section 805-C, the Fair Debt Collection Practices Act and they need to be sanctioned and fined for their attempt to violate federal law.
Consumer complaint received 2024-10-23
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. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

Citi is in engaging in bait and switch of bill statements. We are constantly having to request a paper bill when we have never as to paperless. In between billing statements they are sending paperless billing to our email. We have never asked for paperless. What happen is on the months they are bait and switching to paperless leading us to believe we are maintaining payment that are not 30 days delinquent. We have lost XXXX % of our income and have still continued to make payment.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. Additionally, I request that the credit reporting be corrected across all three major credit bureaus ( TransUnion, XXXX, and XXXX ). 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Please find attached copies of my payment records and any additional supporting documents to assist in your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (WI)

Refused to pay for modem router, that they auto billed me {$150.00}. told them to send shipping label, then adjust bill from there, I would pay them once everything was straightend out, I would purchase my own, they never sent shipping label, and would n't adjust bill, cause I still had their equipment, I still have it sitting here, all boxed up and ready to give back Do n't hardly seem fair that I 'm being punished for refusing to purchase what they were trying to force me to buy. 
I 'm the customer, and I refused that part of their services, I have had many discussions with multiple people, and not one person can seem to figure out how to send a shipping label, and adjust my bill. 
I absolutely refuse to pay {$150.00} for their equipment, especially after a good 2 years of arguments, get on the ball people!!!!!
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (LA)

i have disputed inquires with credit bureau and creditors by certified mail and request that inquires be removed from my report because of fraudulent activity. I was employed by the usps which was compromised and also irs had a fraudulent income tax filing in XXXX 2015 these are not my inquires I did not assume credit or get a job with any of these companies.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Accounts : XXXX I am filing a complaint against XXXX XXXX, TRANUNION, XXXX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). OPPLOANS/FINWISE has reported a charged-off debt to XXXX, TRANSUNION, and XXXX XXXX my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, XXXX has failed to provide me with a 1099-C form, as required by IRS code 4681. XXXX XXXX XXXX , Inc. ( XXXX ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. XXXX actions also violate the Consumer Financial Protection Act ( CFPA ) - 12 CFR 31.3 and the CFPA 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debtXXXX XXXX ) is engaging in deceptive conduct that harms consumers ( Me ). FurthermoreXXXX XXXX  has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. XXXX improperly disclosed my personal information to credit reporting agencies, specifically XXXX, TRANSUNION, and XXXX without my permission. Additionally, OPPLOANS/FINWISE has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as XXXX, TRANSUNION, and XXXX XXXX This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ).
Consumer complaint received 2024-10-23
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I am the victim of identity theft and have been working to fix my credit for years. I had perfect credit until some criminal ruined it. Slowly but surely I have proved accounts do not belong to me and Experian has fought me every step of the way. I have repeatedly disputed a XXXX XXXX account ending in XXXX on my Experian credit report. They have refused to remove it. Furthermore, they refuse to remove an address of XXXX XXXX XXXX XXXX that does n't belong to me as well. They are reporting credit inquiries that do not belong to me and do not meet the permissible use requirement of the law. Today I tried to upload a letter from XXXX XXXX, roof he account does n't belong to me, in PDF format to their servers. Even though the file was the correct format, they refused to accept it. They also refused to accept the below statement that was in PDF format. The files would not upload to the server. 
The following inquiries are fraudulent and unauthorized. They do not meet the law 's requirement for permissible use. 
Account name XXXX XXXX Date of request XXXX/XXXX/2016 Account name XXXX Date of request XXXX/XXXX/2016 Finally, they are reporting a XXXX XXXX XXXX and XXXX XXXX account that do not belong to me. XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ) refuse to respond to my repeated demands for proof of the debt. Experian is illegally continuing to report accounts that do n't belong to me. Their verification process is lacking. I have proved numerous accounts are being reported that do n't belong to me. Today I am submitting yet another letter for an account they repeatedly " verified '' as belonging to me and what do you know? It does n't belong to me.
Consumer complaint received 2024-10-23
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. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2017-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/XXXX I tried to access my checking account information and was in unable to get my information because my address was wrong, I have lived at the same address for 30 years. I went into the branch I have my account with and was told " someone '' had changed my address, the manager corrected my address but said he did n't know how it got changed. I was told by the manager that my address was changed on XX/XX/XXXX, I ask who changed my address he said he did n't know, he proceeded to tell me anyone can change the address on an account with out verification. I checked with another bank I deal with and was to there must be identification to change an address. I then contacted the Consumer Financial Protection. I contacted Chase bank again to find out why the misled me, which was a complete " joke ''