davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
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. (NV)

TransUnion consumer reporting agency this notice is to inform you that you are unlawfully reporting ( 4 ) unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to grant a third parties access to my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By letting a third party obtain my consumer report on # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the above inquiries were done without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with the above companies.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, CT XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-23
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority (GA)

Georgia Student Finance commission is operated by an incompetent underfunded staff. 

They will not honor credit disputes dispute evidence and clear demonstration of issue. 

I believe there is also internal corruption on who gets things removed from credit reports to protect their internal record of reporting correctly even if circumstances change or prove to the contrary they will not correct files to update so they dont look bad Well an FTC investigation will look bad I have spoken with them multiple times and they have significant apathy. 

I was in the hospital with XXXX unable to pay and barely able to work after and missed a couple of payments I have significant income but this impacts my credit due to circumstances outside of my control. 

My understanding is the law provides specific relief for these situations. 

I express my fullest discontent and desire to see justice and my report corrected and the institution investigated.
Consumer complaint received 2024-09-23
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. (KY)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XXXX XXXX  It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-oft misrepresents my payment history and negatively impacts my credit score Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections 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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-31
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. (MS)

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

XXXX : ACCOUNT NAME : XXXX XXXX  XXXX XXXX # XXXX, ACCOUNT NAME : XXXX XXXX # XXXX, ACCOUNT NAME : XXXX XXXX XXXX XXXX- # XXXX, XXXX- # XXXX 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 an 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 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (WA)

Today, XXXX XXXX, 2024, I have received an email with a statement for my Discover credit card. While reviewing the statement I've noticed that I was charged for two transactions that I did not recognize and disputed earlier. I immediately started a chat with Discover agent due yo a concern of recurring charges ( the transcript is attached ). Later I've noticed that my Discover inbox had emails that I was unaware about. Strangely, these emails that I never got notified about neither to my XXXX email account that I use to communicate with the credit card company nor in paper, were sent 16 days before the staement with a notification was issued. Plus, these emails talk about 15 days to dispute the results. But I got the first email to my outlook account onlyu after this period has been passed. The credit card company provided the results of their research on the disputed transaction. It looks liks these tarnsactions was initiated by my daughter before she even become XXXX XXXX XXXX on XX/XX/2024, without my knowledge. She might have entered my credit card details to fill out a free trial form for XXXX XXXX program. And she might have done it on the XXXX XXXX XXXX XXXX computer back when she was still the scool student. However, her email XXXX ( mentioned in documents attached by the Discover ) was deactivated well before the transactions happened, as she graduated the school in XX/XX/2024. She wasn't even in a possession of the computer she might have used to start the free trial. Furthermore, I have doubts that the Discover company agent was honest with me as XXXX mentioned that they couldn't immediately close my account on my request due to technical issues ( see in the transcript ). Please help me understand if I have rights to continue my dispute as I claim that these transactions have to be rolled back. Thank you, XXXX XXXX
Consumer complaint received 2024-09-23
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. (MD)

Hello, Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. As far as XXXX XXXX These remarks have been detrimental to not only my life, also my credit health.
Consumer complaint received 2024-10-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

I spoken with my leasing manager after i move out we agreed the remain amount that i was paying was XXXX. We discussed the damage fees that where added on the summary i got when i move out but i never received invoice on what was damaged so the bill end up going to collections now they collection agency trying to get the whole balance of XXXX which it wasnt that much when i talk to the leasing manger at the apartment.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Dear sir or madam, I opened a Huntington XXXX XXXX checking account ending in XXXX on XX/XX/year> and a Huntington XXXX XXXX XXXX checking account ending in XXXX on XX/XX/year>. 
At that time, Huntington bank has promotions for both business and personal checking account, I met both bank promotion conditions, which Huntington bank agreed. 
I did receive {$1000.00} bonus for opening business checking account. But Huntington bank refused to pay {$600.00} bonus for opening personal checking account. 
Per Huntington banks letter. Please note that in the enclosed Bonus Addendum, it states Bank reserves the right to limit each customer to one new account related gift incentive per rolling 12-month period. For this reason, Huntington has declined your request to honor the cash bonus to your Huntington XXXX XXXX checking account ending in XXXX. 
However, this is not true statement. 
A personal checking account and a business checking account are considered different products, allowing one to potentially qualify for a bonus on each if you meet the requirements.

This is Bonus Addendum for business checking account, Huntington reserves the right to limit an individual business owner with multiple businesses to one account-related gift incentive per rolling 12-month period across all deposit account relationships.

This is Bonus Addendum for personal checking account, Huntington reserves the right to limit an individual to one account-related gift incentive per rolling 12-month period across all deposit account relationships.

You can see that the terms are different for business and personal checking, per Huntingtons conditions : the bonus for the business checking is to limit individual business owner whereas the bonus for the personal checking is to limit an individual. From the statements Ive pulled from Huntingtons own conditions, it is clear that Huntington views these two as separate entities. 
Please review this response, and honor {$600.00} bonus to my personal account. 

Thanks XXXX XXXX
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy Federal charged XXXX  for a business that has tried to take money from account 3 times this month that I did not authorize and they did not pay. If they would have paid it I can understand the fee.
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: Experian Information Solutions Inc. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (VI)

Summary of the Incident : I am submitting this complaint regarding a fraudulent debt reported by Navy Federal Credit Union ( creditor ) under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ).

Details of the Violations : 1. Failure to Provide Notice ( FCRA Violation ) : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to written notification of any adverse information reported on my credit report, including details about the alleged debt. Navy Federal Credit Union failed to provide me with this notice, depriving me of the opportunity to dispute the debt, which is a violation of my consumer rights.

2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report without my permission. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my rights under the FCRA.

3. Failure to Validate the Debt ( FDCPA Violation ) : Even though Navy Federal Credit Union is a creditor, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they are required to validate any debt upon my request. I have not been provided with sufficient proof of the alleged debt, which violates this provision.

4. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are required to provide clear disclosures of all terms associated with a loan or credit agreement. In this case, no such disclosure was provided, further supporting that the debt is fraudulent. The failure to provide the required disclosure documents violates TILA regulations.

5. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), creditors are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Reporting a fraudulent debt without providing proper notice or validation constitutes an unfair and deceptive practice, causing harm to me as a consumer.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American International Finance, Inc. (IN)

Purchase vehicle on XX/XX/XXXX from Carplex. I put {$2000.00} dollars down on a XXXX  XXXX XXXX. My first payment was on XX/XX/XXXX. I explained I was not able to get in the portal because they had my information wrong. on XX/XX/XXXX i received a phone call stating that I had to make a payment or they were picking up the vehicle. I explained my check was mailed and have not received my paycheck. I told them i was going to try and borrow the cash but may not be able too. on XX/XX/XXXX I received my check in the mail. I did not have time to cash it and make a payment. on XX/XX/XXXX approximately XXXX they came to my place of employment and repossessed the vehicle. They stated they will close the loan and i am not able to get the car back. This car reported on my credit on XX/XX/XXXX. The account was closed on XX/XX/XXXX.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

I pulled my credit report and noticed a collection company that I never did business with. I do not have a signed contract with this company and Im not aware of who they are. 

I would like this company to delete the account and request that the credit bureaus remove the account from my credit report. 

I have attached a copy of my drivers license, social security card, and utility bill for identity verification purposes. Please send me proof once this account is removed. Thanks!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

I did not authorize my debt or personal information to be sold to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$550.00} I did not authorize my debt or personal information to be sold to Midland Credit Management on XX/XX/XXXX in the amount of {$570.00} I did not authorize my debt or personal information to be sold to Midland Credit Management on XX/XX/XXXX in the amount of {$590.00} I did not authorize my debt or personal information to be sold to Midland Credit Management on XX/XX/XXXX in the amount of {$700.00} I did not authorize my debt or personal information to be sold to XXXX XXXX  on XX/XX/XXXX in the amount of {$900.00} I did not authorize my debt or personal information to be sold to XXXX XXXX  on XX/XX/XXXX in the amount of {$1300.00} I have contacted these companies asking for proof of my consent and none have been able to provide me the proof that I authorized any of these sales of my debt or information.
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: Experian Information Solutions Inc. (TX)

My account with 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 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 8
Consumer complaint received 2024-07-29
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Formal Dispute of Fraudulent Collection Items and Violation of FDCPA by Consumer Adjustment Corp** To Whom It May Concern, I am writing to formally dispute the accuracy of certain items on my credit report related to Consumer Adjustment Corp. These entries are erroneous and have been added to my credit report without my knowledge or consent. The details are as follows : **Disputed Accounts : ** **Consumer Adjustment Corp** **Amounts** : {$450.00} and {$330.00} **Violation** : FCRA Section 623 - Reporting inaccurate and fraudulent information. 

The first collection item amounts to {$450.00} and the second to {$330.00}. These entries were added without my knowledge or consent, and I dispute their validity. 

The agency name listed on my credit report is " Consumer Adj Co '' instead of " Consumer Adjustment Corp. '' This discrepancy appears to be a fraudulent move, likely intended to confuse or mislead, further undermining the legitimacy of these collection entries.

I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these fraudulent entries. This is a formal demand for the immediate removal of these items from all credit reporting agencies. 

In light of these violations, I request the immediate removal of the aforementioned items from my credit report under the Fair Credit Reporting Act ( FCRA ) Section 611, which grants me the right to dispute inaccurate information on my credit report.

**Enclosures : ** - Copies of the dispute letter sent to Consumer Adjustment Corp .

- Proof of mailing and tracking numbers for the dispute letter.

- Any other relevant documentation supporting my claims. 

I expect your prompt attention to this matter and a resolution within 30 days as stipulated by the FCRA. Failure to remove these erroneous items will result in further actions, including additional complaints to the CFPB and possible legal recourse. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX