davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of identity theft and I request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TRANSUNION BUREA is required to remove account not later than 4 business days after the receipt. Also, the information provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX
Consumer complaint received 2023-12-01
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. (FL)

I hope this letter finds you well. I am writing to formally dispute inaccurate information on my credit report, specifically with TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address the following discrepancies, but to date, I have not received a response. 
The incorrect information on my credit report is as follows : Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Dispute : This account is not mine, and I request its immediate removal from my credit report. 

Account : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Original Creditor : XXXX XXXXXXXX XXXX Dispute : This account is not mine, and I request its immediate removal from my credit report. 

Account : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1800.00} Original Creditor : XXXX XXXX XXXX Dispute : This account is not mine, and I request its immediate removal from my credit report. 

Account : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$490.00} Dispute : This account is not mine, and I request its immediate removal from my credit report.
Consumer complaint received 2023-12-01
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. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (VT)

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Upstart Network , Inc is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Upstart Network , Inc the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Upstart Network , Inc never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I submitted my application to the SAVE program through Nelnet in the beginning of XX/XX/2023. I then heard nothing. 
On XX/XX/2023 I received an email request requesting more financial records in order to approve my request, I responded by email on XX/XX/2023 with all the requested documentation. 
Since then my application has still been processing and my student loans are accruing interest. 
I have requested updates on my SAVE application several times the only update I get is that my application is still processing. 
It has been 4 months. When I have tried to call the wait is so long I can not get through to anyone.
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My loan was transferred from XXXX to Cooper in XX/XX/2017. I have always been paying XXXX  well in advance. So when I made a payment on XX/XX/XXXXto XXXX, they applied my payment for XX/XX/XXXX month. I was away in XXXX during that time, and my payment was going directly from my Bank to XXXX. When XXXX transferred the loan to Cooper in XX/XX/XXXX. My XX/XX/XXXX and XX/XX/XXXX payments were sent to XXXX and, XXXX in turn transferred it to Cooper. XXXX  has confirmed it and has sent the evidence which I have forwarded to Cooper. But Cooper says they received only one payment from XXXX, and Cooper has been charging me with fees and also took additional payment from me. I have been in contact with a bunch of Cooper representatives and it supervisors, since XX/XX/XXXXon both phone and email exchanges, but of no use. I literally spend more thnn an hour talking to these guys, and they keep asking telling me it is being researched. Iam very frustrated and fed up and Iam finding it difficult to sleep because of this nagging issue going on for the last three months. I would highly appreciate if you could help me and resolve this issue quickly. I have all the documents and proof needed from XXXX regarding the payments.

Thanks, XXXX
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Foris DAX, Inc. (NY)

Crypto.com is holding $ XXXX in money I have deposited, with no way for me to get it out of their platform. The debit card they assigned me doesnt work, every withdrawal I try to make leads me to an error in their app. Their customer services is completely unable or unwilling to help. It is an endless loop.
Consumer complaint received 2024-05-13
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: EQUIFAX, INC. (MN)

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 2023-12-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

I purchased a fence from a lowes contractor. He told us we had a XXXX  month loan, we calculated the total payments. Paid those and were charged XXXX in interest because of an accidental charge for stone on the account that wasnt taken off. 

This Lowes store is one of the worst stores Ive dealt with. Weve had several issues where they damaged goods delivered and damaged goods loading them into our vehicle. 

The fence isnt even a good fence. The door is splitting and I havent been able to get the company to get out and fix it. 

Lowes in XXXX XXXX. Terrible employees, terrible environment, terrible quality.
Consumer complaint received 2023-11-21
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: Nelnet, Inc. (GA)

On XX/XX/2023 I sent certified mail to dept of nelnet about all the fcra laws that they have violated. It was a notice of cease and desist. They did not properly investigate the matter. They falsely claimed that they did not violate my fcra rights. They have these accounts attached to an address with my legal name but incorrect address meaning they should should contact the grantor which are the cras and delete these accounts off my credit report. They are furnishing private information publicly to a 3rd party which is illegal. This is infringement and a violation of my privacy rights. On XX/XX/XXXX XXXX said they are furnishing info on behalf of the department of ed which I have NEVER agreed nor signed an waivers or contracts with and to proof it they sent me documentation asking me to update information because they dont have any in their system. They are trying to set me up.
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (GA)

I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-06-01
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. (MD)

Subject : Urgent Request for Immediate Deletion of Inaccurate XXXX XXXX  Account from my TransUnion Credit Report ( In Response to CFPB Complaints XXXX and XXXX ) : I am writing to address the ongoing issue regarding the inaccurate reporting of a XXXX XXXX  account on my TransUnion credit report, in direct response to CFPB Complaints XXXX and XXXX. Despite multiple attempts to rectify this discrepancy, it is evident that a thorough and proper investigation has not been conducted by TransUnion. 
The discrepancies between the account number on my credit report and the original account number from my loan contract, as well as the mismatch in the loan opening dates, clearly indicate that the reported information is inaccurate. I have provided copies of my original loan document as evidence to support my claim. 
TransUnion 's responses to my complaints have been inadequate, and it is apparent that the investigation conducted did not address the key points raised in my dispute. This lack of attention to detail is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Furthermore, I would like to highlight that the Payment History for this account does not show any late payments. Despite this, the account is being reported as 30 days late, which is inaccurate and misleading. An account can not be reported as 30 days late with no derogatory payment history associated with it.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Violation of Section 611 : Failure to conduct a reasonable investigation of disputed information.

2. Violation of Section 623 : Failure to ensure maximum possible accuracy of consumer information.

Violations of the Truth in Lending Act ( TILA ) : 1. Violation of Disclosure Requirements : Inaccurate reporting of loan details and failure to review supporting documentation.

2. Violation of Reporting Requirements : Failure to verify the accuracy of account information and neglecting supporting documentation provided by the consumer.

I demand that TransUnion take immediate action to delete the erroneous XXXX XXXX account from my credit report. These violations of both the FCRA and TILA warrant the urgent removal of this inaccurate information to ensure the integrity of my credit profile.

If TransUnion fails to comply with this request and continues to violate my rights under the FCRA and TILA, I will have no choice but to seek legal action against TransUnion for these violations.

I urge TransUnion to prioritize this matter and take the necessary steps to rectify the inaccuracies promptly. I look forward to receiving confirmation of the deletion of the erroneous account from my credit report.
Consumer complaint received 2024-06-01
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)

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 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (HI)

My dog was suffering and needed an expensive operation at XXXX in XXXX. 
The veterinarian handed me a card from CARE CREDIT subsidiary of GE Capital Retail Bank, because I literally maxed out my cards to save my dog battling XXXX. 
The CARE CREDIT Representative I spoke to said We operate as a nonprofit because we know how much we love our animals and operations prescriptions can be expensive. No worry. Theres No interest as long as you pay total borrowing within two years. 
Total {$2000.00}. Credit Line. I used only about {$1800.00}, Paid back more than {$950.00}, I desperately needed small amount to begin surgery, so I took the deal. 
Somehow that number ballooned to over {$2400.00}. AND WORSE, they reported me to credit. 
I had great credit. Now I have Poor credit and its only been 8 months! 
Im furious. 
I dont know what to do. 
The veterinarians missed a XXXX lump and my baby died. 
Worse My mother is fighting XXXX XXXX too and somehow Im moving forward on fumes. 
Advice would be greatly appreciated. 
I dont have a credit card. I destroyed it knowing Id never use it again. 
CARE CREDIT - SYNCHRONY BANK Account number is : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
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. (GA)

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

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-27
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: EQUIFAX, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-06-01
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. (TX)

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i sent the CRA 's letters on XXXX, disputing the inaccurate and incomplete accounts they are reporting on my credit report. 15 usc 1681e ( b ) states that all information has to be 100 % accurate and complete before reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED A COPY BELOW FOR YOUR REFERENCE