davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2023-05-31
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services (FL)

In XX/XX/XXXX, my Mercedes, which was leased, was taken as a replacement, and in XX/XX/XXXX, I delivered my 2nd vehicle for financial reasons since I could not continue paying for the vehicles.

When I tried to reach an agreement with the company, it wanted to charge me an extra surplus of what the vehicles were worth and they were taken to auction where they were sold, and the remainder of both vehicles charged to my account. affecting my credit. 

I understand that if you cover the gap of the vehicle, it covers any type of coverage in the future, so you should not have any type of debt. 

There are XXXX lease accounts, one of which is for a value of {$3500.00} and the other for {$6900.00}.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: TRUIST FINANCIAL CORPORATION (GA)

My credit card was supposed to be a prepaid credit card with a secure {$300.00} deposit for only 1 yr, " card issue date XX/XX/XXXX and it is now XX/XX/XXXX and this card is still in the prepaid status! i started with suntrust, then bb & t and now truist, " why am i now paying credit card fees and interest on my own {$300.00} " plus i now pay an annual fee and now trusit is saying that the reason why my secure card has not been changed to a unsecure credit card is because i only made the minimum amount payments, { NO TRUE! ] " no payments have never been missed or late since XXXX, '' truist said to me that i can never change to a unsecure if they return my {$300.00} deposit, " so to me i, am forever trapped paying 28 % interest on my own {$300.00} every month plus a {$39.00} annual fee1 thank you, XXXX XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

i have recently pulled my credit report and notice that there is a collection listing from your agency. i have never been notified of this collection action or that i owed the debt. this letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. i ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. and i will inform you that at this time if your office have or continues to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ) this action might constitute fraud under both federal and state laws.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-26
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Online information XXXX XXXX XXXX date XX/XX/2019 {$350.00} I did not open this account, and I have never authorized any transactions or credit associated with it. This account was opened fraudulently without my knowledge or consent. 
I kindly request that you investigate this matter, remove the fraudulent account from my credit report, and take any necessary steps to prevent further damage to my credit.
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (NC)

XX/XX/XXXX - Loan was disbursed by Sallie Mae {$23000.00} Making regular monthly payments of {$130.00} XXXX - Started having a stretch of late payments as personal finances struggled was suggested a forbearance by the representative. 
End of XXXX - Started having late payments again and took a forbearance due to a divorce I was going through after the representative suggested it. I moved into an apartment in spring of XXXX. In spring of XXXX my lease was up so I moved into a cheaper unit in the same complex. XXXX XXXX was sending me letters to either end the forbearance or continue it but these were going to my old mailbox. I wasn't aware of this until my wage was garnished. At that point, the loan was over XXXX XXXX XXXX and I had paid almost {$16000.00} on it leaving over {$8000.00} on the balance. The XXXX  XXXX XXXX then worked with me to rehab my loan which was then over {$16000.00} because of penalties, fees and interest! They said if I made my monthly payments for 12 months in a row it would go back to it's normal balance. 
As soon as my 12 months were up, they " sold '' it to Navient with the penalties, fees and interest for a total of {$15000.00}. When I said what they promised me the representative was smug and said that has nothing to do with them! 

At the time it was very disheartening to think I have about {$8000.00} left to pay to only learn I really have double that! As a single father it was tough to take in. It wasn't until a few years later that I learned I wasn't the only one they did this type of thing to, when I learned of the massive lawsuit. 

I have included some personal documents from the loan.
Consumer complaint received 2024-10-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (IL)

I work XXXX hours a week while also being a part time college student, and I often times do not check my email that is not associated with my schooling. I was contacted XXXX time by the Merchants credit guide once on Friday XX/XX/XXXX. In the email it stated that I had until XX/XX/XXXX to dispute any debt I owed. This was a debt I didn't even know I had from the beginning of XXXX ( XX/XX/XXXX ). From the month of XX/XX/XXXX to XX/XX/XXXX I received no other email, letters, or phone calls to acquire my debt. I was unaware I even had debt until XX/XX/XXXX I get XXXX notifications. XXXX from XXXX, XXXX from XXXX and another one from my XXXXXXXX XXXX XXXX account telling me there is a new debt on my credit, and that my credit score has dropped significantly. After that I went through any old mail that I had, I could not find anything from them. I then checked my email and there was XXXX email from XXXX months ago telling me I was in collections. I work and am in school, and am not checking my email all the time, because I often times I get XXXX emails every hour or XXXX. I think that was incredibly sneaky of them especially because they did not contact me after XX/XX/XXXX to tell me I could no longer dispute and that it will show up on my credit report. After I got the massive influx of notifications about my credit score, found the email from XXXX months prior I contacted them to let them know I could not pay this debt off in full, and that since I was only contacted once, I had no idea of this debt that I owed. It has been almost a week, and I have gotten no response from any one.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have sent multiple dispute to this company about inaccurate reporting and falsely saying accounts are verify you can only verify accounts with the actual creditor or company and they have not they went throw third parties where information is reporting inaccurate 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. Account Name & Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. The bankruptcy court do not report to the credit bureaus that is a violation of my hippa rights
Consumer complaint received 2024-09-27
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)

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these 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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX Date Opened XX/XX/XXXX {$460.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX {$9400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  {$1200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  {$38.00} XXXX XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-27
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)

My account with 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 in 60 days 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.

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 2024-09-28
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. (MN)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX  - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX  - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX  XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Request to Block Information Due to Identity Theft under the FCRA I am writing to formally notify you that I have been the victim of identity theft, which has resulted in inaccurate or fraudulent information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block this information from my credit file without delay.

The relevant portion of the FCRA mandates that credit reporting agencies block the reporting of any information that the consumer identifies as resulting from identity theft within four business days of receiving : 1. A valid identity theft report ; 2. The identification of the fraudulent information on the credit report ; 3. A statement from the consumer indicating that the information does not relate to any transaction they made.

I am confident you will act promptly in accordance with Section 605B of the FCRA to block this information from my credit report. Please send a written confirmation once the information has been blocked. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-28
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. (TX)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have discovered that the information being reported on my credit file by XXXX, Experian, and XXXX is inaccurate and has been wrongly verified as correct multiple times. This ongoing failure to correct the errors, despite clear evidence to the contrary, violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 611 and 623 ( a ) ( 1 ), which mandate that credit bureaus and data furnishers report only accurate information. 

I have attached documentation that irrefutably proves the errors, yet the bureaus continue to verify the information as accurate. This negligence is damaging my credit profile and is in violation of the FCRAs accuracy and investigation requirements. I demand that this inaccurate information be removed from my credit report immediately to reflect the truth. 

Please address this issue immediately, as continued misreporting will result in further violations of federal law.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have identified inaccurate information on my credit report that has not been corrected despite multiple disputes submitted to XXXX, Experian, and XXXX. The information reported is incorrect, and the credit bureaus have continued to verify it as accurate without conducting a thorough investigation, which is required under the Fair Credit Reporting Act ( FCRA ). This failure to investigate properly and correct the inaccuracies violates sections 611 and 607 of the FCRA, which require that only accurate and verifiable information be included on credit reports. 

I have attached documentation proving that the information is inaccurate, and I am requesting that this information be removed immediately. The continued reporting of false information is detrimental to my credit and represents noncompliance with federal law. I expect this matter to be addressed promptly and for my credit report to be updated accordingly.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

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. 

Account XXXX : XXXX Account XXXX 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.