davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-27
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. (VA)

I am writing to escalate an ongoing issue concerning unauthorized, fraudulent, and inaccurate information on my consumer report. Despite my repeated efforts to resolve this matter, the problem persists, causing me considerable distress and negatively impacting my life. 

I must emphasize that I am a victim of identity theft. The disputed information on my report was neither authorized nor consented to by me. Its continued presence is not only damaging but also a misrepresentation of my true credit standing.
Consumer complaint received 2024-09-27
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. (WI)

I just viewed my credit report on XX/XX/2024 and I noticed theres some hard inquiries on my credit report that dont have permissible purpose according to the fair credit reporting act anything furnished on my consumers report must have permissible purpose according to 15 USC 1681B PLEASE DELETE ALL HARD INQUIRIES on my CREDIT REPORT THAT VIOLATES 15 USC 1681b.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I submitted a credit repair request to a company, but they 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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I got incarcerated XX/XX/XXXX and I didn't get released until XX/XX/XXXX someone took over my identity and cleaned out my bank account and deposited to life insurance checks from New York XXXX fraudulently each check was for XXXX I had money in my bank account and when I got out my bank account was closed I argued with the bank tell him that there was fraudulent activity on my account and they decided to say there was no fraudulent activity and they didn't want to investigate it I told him I had been incarcerated for XXXX and a half years and that I didn't cash the checks and I didn't take the money out of the bank I don't know who did or who would all I want is to get my money back that was taken but they're giving me trouble so I want to file a complaint against him Wells Fargo Bank I'll talk to him a XXXX times I send them all the police reports I sent him all the information that they needed stating that there's fraudulent activity going on and I can't get nowhere with him the bank told me that New York XXXX XXXX responsible for the checks but I don't know who is all I know is I like to have my money back
Consumer complaint received 2024-10-17
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: CITIBANK, N.A. (NJ)

I am writing to formally file a complaint and follow up regarding The Home Depot 's failure to comply with my opt-out request. Despite my notification to The Home Depot to opt out of their marketing and data-sharing practices, I continue to receive communications and see evidence that my personal information is still being shared with third parties. This constitutes a violation of several federal and state laws. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to honor consumers ' privacy preferences, including the right to opt out of specific information-sharing practices. The Home Depot has failed to meet this obligation. As a resident of New Jersey, I am also protected under state privacy laws that mandate organizations respect consumers ' privacy rights, further compounding this violation.

Additionally, 15 USC 1681a ( q ) ( 3 ) outlines the permissible purposes for sharing consumer report information. By continuing to share my information without my consent, The Home Depot is violating this provision. Furthermore, they are non-compliant with the Truth in Lending Act ( TILA ) by failing to accurately disclose how my personal information is utilized and continuing to send me unsolicited communications that contradict TILA 's disclosure requirements.

In light of these violations, I request immediate action to ensure that The Home Depot ceases all unsolicited communications, honors my opt-out request by stopping the sharing of my personal information, and fully complies with the relevant laws.
Consumer complaint received 2023-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: College Ave Student Loan Servicing, LLC (FL)

I have been having issues regarding college Ave student loans I have two student loans, which aren't on default. I have been making regular payments however if I fell behind for 10 days I get harassment calls really unpolite not only me but also my cosigner. This bank not only calls me and my cosigner but also my mother that is not part of this contract. I never owe a monthly payment for more than a month. 

I have been trying my best to be a good customer however due to the situation I have a hardship so I have been trying to offer the bank different solutions to make a payment arrangement that can help me and help the bank to get the payments on time but the constant answer is no that I have to make a complete payment. 

As a today I have two different companies with student loans. with college Ave student loans I'm paying {$1400.00} dollars which is almost 50 % of my monthly salary. Thanks to this situation I am suffering from anxiety because I barely have money to survive. Please help me with this bank cause I don't know what to do all I'm looking for is to make a payment arrangement so I can pay a lower amount and not get this debt in default.
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. (NJ)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may inc
lude emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tesani Management Inc (UT)

Lift submitted an order for collections for XXXX when I had paid them directly XXXX. They have not applied any of the balance to my account and that XXXX is not accurately accounted for. Their collection agency had a garnishment order go through for XXXX. The promissory note including interest was for 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. (CA)

I am filing this complaint on my own behalf to address an issue with late payments on my credit record. After reviewing my records, I discovered these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly seek your assistance in resolving this issue promptly and effectively.
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. (CA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

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. 

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!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring to your attention fraudulent personal information linked to my identity. Certain accounts and transactions have been wrongfully attributed to me without my knowledge or consent, causing significant distress. As a victim of identity theft, I have reported the incident and urge you to address this matter promptly, as it has adversely affected my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am ready to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent issue is greatly appreciated.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

I have been carefully reviewing my recent credit reports and noticed that some of my personal information is being reported inaccurately. To assist in correcting and updating these errors, I have attached copies of my identification documents for your verification. Please review them and ensure that the necessary changes are made to reflect the correct information on my report. Please make sure that there is only 1 address and 1 name reporting no aliases and such. 

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
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (TN)

The consumer reporting agency EQUIFAX sent me an updated consumer disclosure report regarding the reinvestigation of an account furnished by a company named XXXX XXXX XXXX around XX/XX/2024. I have consistently disputed with both companies concerning inaccurate credit reporting. I recently received a consumer disclosure report from EQUIFAX stating that the account information that was being reported was verified by the creditor XXXX XXXXXXXX XXXX as accurate. This statement turned out to be a lie. I have circled the inaccuracies on this updated version in red ink the consumer disclosure report where the account information is missing information. The Fair Credit Reporting Act requires accuracy and fairness of credit reporting. This report is not accurate. It is incomplete which makes it inaccurate. The consumer disclosure report states " No Data Available '' regarding some payments in the account payment history. 15 USC 1681e ( b ) " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Since EQUIFAX has failed to abide by the Fair Credit Reporting Act, they are liable to me per 15 USC 1681n Civil liability for not more than {$1000.00} per violation. Incomplete account information is considered as inaccurate reporting. I am asking for my relief through the removal of this inaccurate account from my credit report promptly. It is not fair that I am having to dispute the same issue several times. My character is being damaged, my rights are being violated, and I want the account removed.
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. (OH)

My accounts 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 to be removed/updated. 

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. 

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!
Consumer complaint received 2024-09-27
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. (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. 

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 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 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

I applied for a Citi Diamond Preferred Card with CitiBank in late XX/XX/ 2024 with the intent of receiving only pre-approval information to make a final decision based on that. However, upon applying, I was placed into a pending queue. Then, days later, I received a letter in the mail stating " We need some additional information regarding your application ''. When I acted upon this request via Citicards.com, the website was not functional, so, alternatively, I used the phone number provided on that same document : XXXX, where I was only prompted to enter my ZIP code. Upon doing this, however, I was instantaneously and officially approved- without warning, without pre-approval rate knowledge, and without consent, most importantly- for the credit card and told that it was on the way via mail. This is an extremely deceptive practice.

When I tried calling, of course, I all got was a pre-recorded line that wasn't capable of addressing the situation, so I tried using the online chat. After getting through the bot, an agent just read from a script, offering the same phone numbers I had been calling. Finally, I just started calling the application hotline ( most likely in XXXX many of the representatives were also clearly using VoIPs and probably off-site servers from the sound of the audio quality ). There, I was just passed around 3 or 4 times to what was supposed to be customer service specifically for my issue, but they were clearly just people who didn't understand the issue and/or couldn't help, usually saying that they " only work in applications ''. 

Before the forced approval, the application ID and reference number that would have been used were XXXX and XXXX, respectively. I want this application to be as if it never happened without negatively impacting my credit score. I want them to undo the approval and whatever else they did when I gave them my ZIP code. I do not intend to activate the credit card being mailed to me.
Consumer complaint received 2024-10-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I have a letter stating that I do not owe a debt to this company or property.This letter was given to me through the property owner signed and dated that I have a XXXX balance due with XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AL)

There are some derogatory collections on my XXXX, XXXX, and XXXX, consumer report. All of the debts are at least XXXX yrs old or more. XXXX company continues to report the wrong information. when asked to verify the accuracy of the accounts ( XXXX date delinquent, date account was opened. There is no accurate response. These are all unfair practices of this company. XX/XX/XXXX, I paid creditors off because I was trying to purchase a house. After I paid everything, my credit begins to increase. But in XX/XX/XXXX the collections emerged after years of no communication and being closed and charged off by grantor. They begin to post dates and amounts on the accounts that were not accurate. I requested verification for the date account opened, XXXX date acct became delinquent, original creditor info and when was account purchased. They have begun to post every month that I have been missing payments when the acct has no verified history. Now my credit is taking a big " XXXX '' all because of this company 's negligence. Please help me remove this information. Thank you.