davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

15 U.S.C 1681 section 602 A. States 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 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My account with ( XXXX XXXX  ) 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 ( MONTHS REPORTING LATE ) 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. 


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 2024-07-12
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-13
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-12
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. (PA)

To whom this may concern, my name is XXXX XXXX XXXX and I've decided to write this statement on my own behalf. Per 15 USC 1681-2 ( a ) ( 1 ) ( a & c ) as well as 15 USC Code 1681-B and 15 USC 1666 of the Fair Credit Reporting Act, the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. According to the federal codes listed above, specifically summarize and outline that these accounts should be removed and deleted from my reports immediately. The mentioned accounts violated my rights as a federally protected consumer by not having permission to report the information they've reported to the credit bureaus. These companies never received my permission to report anything on my reports. No consent constitutes identity theft. As a federally protected consumer, I demand the deletion and removal of all the listed accounts immediately.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-08-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OR)

XX/XX/XXXX : Navient received my application for XXXX XXXX XXXX for private loans XX/XX/XXXX : My application was denied stating, " you do not meet the requirements for discharge based on misconduct by your school. '' I would like to move forward with an appeal and/or compliant to understand why this happened and hopefully get it rectified. 

Thank you for your help.
Consumer complaint received 2024-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NC)

Hello, I have repeatedly been contacted by Ability Recovery stating that I owe a medical debt from XXXX or XXXX. The name of the facility is unfamiliar to me and is not a facility I have ever been to. I asked for the explanation of benefits along with report showing the date of service, Doctor seen, patient and medical insurance billed. I have always had medical insurance, therefore they should be able to provide this information. The services would have been provided XXXX XXXX, as this was my married name during those years in question. I have been told the information has been sent, however I have never received. When I ask for it to me emailed or sent certified mail, I am being told they do not send encrypted emails, nor do they send certified mail. I do not believe this is my debt, however my hands are tied, as Ability Recovery will not provided the required information, nor will they remove this debt from my credit. I am reaching out to you in desperation to get this resolved. I have exhausted all attempts. Any assistance you can provide to this matter will be greatly appreciated. 

The Company who has been contacting me is : Ability Recovery XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX If you need to contact me, I can be reached at ( XXXX ) XXXX. 

Your attention to this matter is greatly appreciated. 

Regards, XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX  or XXXX  ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

List Name of the accounts with high Utilizations along with their account numbers. 
JPMCB XXXX XXXX  Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( JPMCB, AND XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ JPMCB, AND XXXX XXXX ] that is making the report. CONGRESS clearly states that the experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s JPMCB XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX
Consumer complaint received 2024-07-12
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. (SC)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-06-24
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. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-07-12
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. (AZ)

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

15 U.S.C 1681 section 602 A. States 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 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (TX)

XX/XX/XXXX, I request a copy of the land survey for my property but told get it from different sources. A land survey was don in XX/XX/XXXX but can not understand why it is so difficult to get a copy. I need a copy of the land survey for the installation of a Generator.
Consumer complaint received 2024-07-13
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. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX send out an identity theft form and certain accounts have been still reporting on my consumer report that needs to be removed causing danger to my lively hood of establishing credit.
Consumer complaint received 2024-08-13
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. (FL)

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Consumer complaint received 2024-07-12
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. (OH)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX  Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX  XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2023-05-28
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (VA)

I got a bill from Comenity about a {$3.00} charge on a card I no longer have and have not used in years. I spoke to someone months ago that said they would cancel the card me close the account and I was not responsible. Then I got another bill. I figured it took a month to resolve. But I got another bill with interest and penalties. I wrote a letter to Comenity. They sent me a response letter dated XXXX XXXX, that they were researching the issue and to please allow them 90 days to resolve the issue. I had no issue with that until, now they have me as delinquent over 60 days at every credit bureau and that I now owe them {$60.00} for that {$3.00} disputed fraudulent transaction. It has caused my credit score to plummet. I have had no delinquent accounts in many years and this has single handedly caused irreparable damage to my credit. This needs to be resolved immediately and removed from my credit. I dont have this card. I havent used this card. I told hem immediately and they keep dragging their feet and charging me extra fees while damaging my good credit.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (IN)

Subject : Complaint Regarding Unjust Closure of Discover Secured Credit Card Discriminatory Practices, Rights Violation, and Lack of Notification Issue Description : I am filing a complaint against Discover Financial Services regarding the sudden and unjustified closure of my secured credit card account. I believe this action was discriminatory, violated my rights, and was compounded by a failure to notify me as required by law.

Card Type : Discover Secured Credit Card I was approved for this card a few months ago to rebuild my credit. I used the card responsibly, made timely payments, and complied with all the terms. However, without any prior notice, email, or letter, Discover closed my account. I received no formal notification of the account closure, which is a violation of consumer protection regulations.

Discrimination and Rights Violation : I strongly suspect that Discovers closure of my account was discriminatory. They have not provided any valid reason for this action, leading me to believe it was based on factors unrelated to my creditworthiness. This potentially violates the Equal Credit Opportunity Act ( ECOA ), which prohibits creditors from discriminatory practices based on race, national origin, or other protected characteristics.

Failure to Notify : In addition, Discover failed to notify me of this adverse action, which is required under the Fair Credit Reporting Act ( FCRA ) if the decision was based on my credit report or financial history. This lack of communication is a further violation of my consumer rights. 

Resolution Requested : I request that the CFPB investigate Discovers practices regarding the closure of secured credit card accounts, including their failure to notify me of the decision. I believe this action was in violation of the ECOA, FCRA, and other consumer protection laws. I also ask that Discover provide a full explanation of their decision and compensate me for any financial harm caused by this wrongful closure.

Thank you for your assistance in ensuring this matter is resolved fairly.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (TX)

I am requesting a method of verification. I am needing a description of the procedure that was taken for this company to state the accuracy of this account. I need a method of verification and documentation that XXXX, XXXX, and XXXX have on file that states that this information is indeed one hundred percent accurate, and correct? Who did you interview regarding the disputed items? Please provide this information to me by email XXXX or by mail XXXX XXXX XXXX XXXX XXXX TX, XXXX within 5 days or remove this account and delete it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (MI)

NetCredit said on XX/XX/2024 Congratulations I qualified for {$1900.00} they asked for a voided check and they also asked for XXXX bank statements, they told me this is all they needed to make a decision on my application, I spoke directly to several representatives that told me the same thing, after they got all my banking information, they sent me a denial e-mail stating they were unable to verify my income, if the representatives had asked I would've sent over my income information with the voided check and the XXXX bank statements, this is deceptive. 
THEY SAID I GOT DENIED BECAUSE THEY COULD NOT VERIFY MY INCOME.