davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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. (IL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
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. (PA)

Complaint Details : Summary : I am filing this complaint to report violations of the XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX improperly shared my nonpublic personal information ( NPI ), specifically my payment history, with XXXX without my consent and in violation of privacy provisions under the XXXX. XXXX also violated consumer protection laws by accepting and using this unauthorized information. 
Details : XXXX. XXXX of XXXX XXXX : o The information shared includes detailed aspects of my payment history, such as on-time payments, late payments, and missed payments. This constitutes nonpublic personal information ( NPI ) as defined under XXXX XXXX. XXXX, which includes " personally identifiable financial information. '' XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX reported this payment history to XXXX without my explicit consent. This disclosure was made outside the permissible parameters set forth in the GLBA. 
XXXX. Violation of Privacy Standards : o The XXXX XXXX requires financial institutions to protect the confidentiality and security of XXXX and to provide XXXX with privacy notices explaining how their information is collected, used, and shared. XXXX XXXX XXXX failed to provide an adequate privacy notice and did not offer an opt-out option as mandated by the XXXX. XXXX, by accepting and using this information, also failed to ensure compliance with privacy standards. 
XXXX XXXX Laws Violated : XXXX. XXXX XXXX. XXXX ( GLBA ) : Protecting the confidentiality of XXXX. 
XXXX. XXXX XXXX. XXXX ( GLBA ) : Providing privacy notice and opt-out options. 
XXXX. XXXX XXXX. XXXX ( GLBA ) : Initial and annual privacy notices. 
XXXX. XXXX XXXX. XXXX ( FCRA ) : Permissible purposes for consumer reports. 
XXXX. XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) : Prohibiting unfair practices. 
XXXX. XXXX XXXX. XXXX ( Federal Trade Commission XXXX ) : Prohibiting unfair or deceptive acts. 
Calculation of Fines : Each violation incurs a fine of {$1000.00}. With XXXX violations identified for both XXXX XXXX XXXX and XXXX, the total fines for each entity would be : XXXX $ XXXX XXXX {$6000.00}
Consumer complaint received 2024-05-29
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. (GA)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$560.00} XXXX  XXXX XXXX Balance : {$6300.00}
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear, I agree to pay the following financial obligation regarding account DEPT OF ED/XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : - Provide validation of the debt, that is, production of account and the general ledger statement. 
-Verification of your claim against XXXX XXXX XXXX XXXX that is, a signed invoice. 
-A copy of the Contract binding both DEPT OF EDXXXX AND XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' -A statement admitting whether you are the holder in due course or whether you are the holder in due course or whether you are a servicer.

-A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization.

-The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
-The XXXX number under which my loan was securitized to. 
-Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and if you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C-ARTICLE 3-301 .

Under US Code TITLE 15 > CHAPTER 41>SUBCHAPTER V>1692g part b ). this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter.

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 

Thank You, XXXXXXXX XXXX XXXXXXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-05-29
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. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2018-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (PR)

I was using the suggested deferment options and when I lost my job I called to tell them. They told me to use another deferment and I said yes. Thy dint tell me that the papers where going to come by mail and they sent them to a wrong address and the deferment don't go in to action. Now I have two late payments in 11 different accounts from them and my credit is in bad shape because of that. I have called and they just don't want to hear or help.I think this a horrible thing to do to young students.

What can I do?

Thanks
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/year> I tried to remove incorrect addresses and accounts from report as I am entitled to according to the FCRA. Experian, would not allow me dispute those addresses or accounts despite me showing documentation that there were reports were inaccurate. I disputed via mail, phone, and online and have received the same results each method. Despite me asking for verification using the FCRA XXXX and other laws.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2024-05-29
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. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-29
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. (GA)

In accordance with the XXXX act. Under 15 USC 1681 my federally protected consumer rights of privacy and confidentiality were violated by the accounts listed below. 
XXXX XXXX : # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX. of XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX 15 U.S.C. 1681 Section 602A States I have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I never gave.

15 U.S.C. 1681c section ( a ) ( 5 ) States ; no consumer reporting agency may make any consumer report containing any of the following items of information : Any item of adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

FCRA 605B necessitates the removal of any erroneous accounts from my credit report. These accounts inaccurately represent the reporting. I should be compensated {$1000.00} for each mistaken report on my credit file.
Consumer complaint received 2024-05-29
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. (PA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-29
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. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
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. (WA)

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (GA)

I am trying to dispute a transaction made with my credit card for an ongoing service. The bank is stating I can't dispute a transaction because I already disputed it once and canceled it because the company resolved the issue.
Consumer complaint received 2019-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tc XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX, Tx XXXX I have tried on Several occasions to fix this problem with my credit report.This account is being reported as a charge off on my credit report. The Amount being reported is not the amount that a final bill or statement that was sent to me. Along with the incorrect address on the statement as well. The date opened and the date of last payment seems to be conflicting. I am aware that under the FCRA you are only allowed to report correct information on my credit report and the account must be validated and I have the legal right to obtain proof of that validation. This is not my first time seeking validation without any feedback about this matter.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX and XX/XX/XXXX I made XXXX payments to payoff my Chase XXXX Credit card. I am still receiving a balance that is only interest. I don't understand how interest can accrue when I paid the balance off! I'm also aggravated at the fact the charged me a late fee and other fees because I didn't pay this interest when they wanted it!! My daughter, XXXX XXXX, was paying on it as well and Chase took out a {$50.00} autopay out when it shouldn't have been a payment owed. I tried to call Chase today to rectify this and all I got was transferred to XXXX different people and no resolution.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I added a authorized user for my American Express credit card in XX/XX/2024. The card is shipped to the user and I help her confirmed the card though online chat. However, the representative failed to perform the task without informing me. The authorized user 's card was cancelled due to lack of confirmation. I tried to get a replacement card for her. Trying both manual communcation and online application. American Express keep denying me due to recent applications. It is really annoying since I need to bear the consequence of the error from the bank.
Consumer complaint received 2024-06-22
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. (OR)

Something in my name was purchased from a company called XXXX XXXX in the amount of 1995 XXXX I have never contacted them nor have I ever bought a product ir signed up for a program from them. I recently got emails from a company called XXXX XXXX which is a third party collection agency trying to collect this fraudulent debt. I have been getting emails from them harassing me about this unknown unauthorized account. Then lastly Experian credit Bureau has reported me as a late payment as well as a charge off account and Im prepared to pursue legal action against this illegal act. This is FCRA Violation. Experian is in Violation of 15 USC 1681a as well as USC 15 1666 I never authorized this fraudulent account, my privacy has been violated and I demand this be removed from my report immediately! There is an ongoing investigation into these fraudulent claims and Experian is in direct federal violation in reporting this on my consumer report. If this is not rectified and removed from my report I will pursue legal action to the fullest extent of the law!
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I had several Data Breaches through Capital One, XXXX, XXXX, And XXXX  that I know of so Far. I just found out by pulling my credit and saw my score dropped over XXXX Point 's. I requested information also through Capital one and they never sent me any notification which was court ordered as well as they raised credit limits without letting me know.
Consumer complaint received 2024-06-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MD)

Greetings, I am writing today regading my Mohela account # XXXX. I submitted this account back in XXXX for XXXX XXXX forgiveness, I received a response in XX/XX/year> that I did not qualify for XXXX XXXX  forgivness because I had not made qualifying payments. 

This loan was consolidated last year, however, prior to this I made payments on student loans yet no one appears to know where any of my payments were applied. 

I have enven attempted to have the payments lowered to manageable payment ( XXXX ) is what I was payment monthly prior to the pandemic ; again Mohela sent my payment to XXXX. I have explained to them on several of occassions this is what I pay monthly, please see below : XXXX. Monthly XXXX- {$1800.00} XXXX. XXXX XXXX {$650.00} XXXX. XXXX- {$260.00} XXXX. Monthly living expenses outside of XXXX XXXX XXXX XXXX : {$3700.00} XXXX. Care for XXXX parents, XXXX in the home and XXXX in a XXXX home due to XXXX. 
XXXX. XXXX loans- {$1100.00} I have asked for a reconciliation of my loans on several of occassions, Mohela simply continues to redirect me to a payment board. I have made payments of {$130.00} on this accounts since remplementation of my loans, however, I need help. I have written the XXXX XXXX XXXX, my local congressman XXXX XXXX, I do not know where else to turn. My loans go as far back as XXXX XXXX XXXX 

Your assistance in this matter is greatly appreciated. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (CA)

XXXX ally financial calls repeatedly. 

XXXX i was in a car accident that left my car a total loss XXXX insurance company paid what i owed to ally financial XXXX Ally.com/auto website post i only owe {$11.00}
Consumer complaint received 2024-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

I received a XXXX XXXX XXXX XXXX discharge letter on XX/XX/year> to discharge all of my student loans. I have waited a long time for Mohela actually to discharge these loans ; however, every time I call, I am told they have nothing on file for that. I three-way called XXXX and Mohela. At that time, XXXX told the Mohela rep that they had sent a notification three separate times. I was told that they still had no notice on XX/XX/XXXX and XX/XX/XXXX. I called again on XX/XX/XXXX to follow up since I physically uploaded the letter from the Department of Education myself. At this time, they still say that they have not received notice from the Department of Education. I keep getting the run around from Mohela telling me to wait, yet my account keeps accruing interest, and payments are late due to my inability to make the payments. When I call Mohela, they repeatedly leave me on 2-3 minute holds to the point that I am holding for 20 minutes, waiting to talk to someone who knows what is happening. Most of the time, I have to request a supervisor because the agent is not able to handle the questions.
Consumer complaint received 2024-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

I received information from Mohela about new transfer of loans in XX/XX/year>. This was after I received information from XXXX that made me believe my loans were forgiven and wiped. I had cried happy tears. Not even a month later, I start to receive conflicting letters from Mohela saying they were my new servicer or lender. I barely was with XXXX. I was sent a bill for almost XXXX XXXX monthly. Not even two weeks later, I received another letter stating not to pay anything because account was transferring. I also received this month, XX/XX/year>, information saying my loan is in forebearance. I am so confused.
Consumer complaint received 2019-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AZ)

I transferred money on western union on XX/XX/2019 two times by accident. 

I called and had them cancel both transactions. I got a refund for one of them that day. 

I have called over 10 times about the other one. They were suppose to escalate I still never heard anything. 

I confirmed with my 3 times I only got one refund back
Consumer complaint received 2024-06-02
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: OneMain Finance Corporation (CA)

This account was opened on the following date : XX/XX/XXXX There are no on time payments from date opened to charge off status why? This is inaccurate payment history reporting. I should have an active payment history from XX/XX/XXXX to XX/XX/XXXX this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Why are there two different dates for the date opened if this account is 100 % accurate they should both be reporting the same date. XXXX is reporting XX/XX/XXXX so why is transunion showing XX/XX/XXXX? XXXX, and XXXX failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : One Main Financial Account Number : XXXX