davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : XXXX, TransUnion, XXXX and All Third Party Credit Reporting companies/subsidies. 

These companies are in violation of FAIR DEBT COLLECTION PRACTICES ACT. 
I have requested a fair and thorough investigation into inaccurate information that is and has been reporting on my Consumer Credit Reports for a long time. These violation carry penalty and i plan to seek Monetary damages. 

I am filing this complaint in addition to filing them with the companies in question. After waiting for the disputes processes to be completed. The companies failed to remove information that was inaccurate and caused financial and unfair deceptive business practices take place. I take my credit very seriously and hope to hear back ASAP.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

This account was transferred to this branch when the banks changed names. This is a business account that was in my name and social security number, I was the only authorize user. The other account signer resigned from this organization on XX/XX/year> XXXX XXXX XXXX resigned from this organization. 
There was check fraud on this account that I reported to U S Bank XXXX XXXX XXXX and filled of the necessary documents to have this case investigated. I also notified the Vice President of the US Bank XXXX XXXX : number XXXX email address XXXX, on several occasions with no response regarding the fraud on my account. 
I am going to file a lawsuit against this branch and I need to be given all of the documents that they used to transfer the funds {$19000.00} out of my name without any notice. 
I am still the XXXX XXXX XXXX and no one should be allowed to remove these funds. 
Return the funds immediately.
Consumer complaint received 2024-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MD)

This is a perennial issue with XXXX  that dates back to XXXX, when I first requested to change to an income based repayment plan, which had just been rolled out. They told me then that this was not available, despite the fact that it was widely reported and advertised by XXXX XXXX. They refused. I called them out and said they were violating federal law by deliberately misrepresenting information, then they stopped calling/emailing etc. Then, a few years later, they tried again and I again summarized the past discussions. They stopped contacting. Then a few years later they tried again. Rinse, repeat. Again and again. Since that time, they've been accruing interest on the wrongfully designated repayment plan and have moved me forward into default, however, whenever I raise the old discussion, they get scared and disappear for a few years. They've since been hauled in front of congress for their criminal administration, been heavily fined, and even pulled out of federal student loan administration entirely. I wonder why? 

Here we are in the middle of XXXX and they have sent me another threat by email and I am again asking for the CFPB to assist with getting XXXX  to dip back into their fraudulent system to to time when I called them asking to change my repayment plan ... then for them to do that and retroactively recalculate the entirety of the loan amount. I am never going to pay them {$180000.00} for a {$50000.00} loan. Never. They should be in XXXX  instead.
Consumer complaint received 2024-01-23
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. (VA)

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 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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that 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 XXXXXX/XX/year>
Consumer complaint received 2024-06-29
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00} - XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2024-06-29
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)

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. the accounts are XXXX  XXXX XXXX account not reported dated Opened XX/XX/year> XXXX XXXX XXXX account number XXXX In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation
Consumer complaint received 2024-05-21
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. (CT)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

Experian is reporting inaccurate personal information as they are reporting an address that I have never lived at. 

XXXX XXXX XXXX, XXXX, Alabama XXXX. 

I have sent numerous requests to have this inaccurate information removed.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 those account 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 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 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This the follow up complaint.I 'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Balance {$4800.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-05-21
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ipromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
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: Experian Information Solutions Inc. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-18
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. ()

TransUnion has allowed XXXX XXXX XXXX XXXX enter a file in my credit report. I do not know this company. They are listed as the original creditor in an attempt to be able to remain on my credit profile The debt they bought XXXX XXXX reached its past the XXXX year threshhold in XXXX  and was scheduled to come off my credit profile. I have never conducted business with XXXX XXXX XXXX XXXX. And they have not been able to provide me any paperwork from.their company.with my signature on it. I have tried to clear up this matter with TransUnion. They refuse to remove the galse information from my credit profile.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

Your agency is in violation!

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 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I recently went on vacation to XXXX and upon returning noticed repeated charges of {$120.00} and {$120.00} on my Capital One credit card that I did not make. The charges were made on XX/XX/XXXX and XX/XX/2024. I opened a dispute by calling customer service on XX/XX/XXXX once I noticed these fraudulent charges. Capital One opened a dispute claim, provided a credit and said theyd investigate. In what appeared to be an automated response, the investigation was closed on the same day with a statement saying I benefited and no evidence of fraud exists. These charges were 100 % unauthorized. I called again after the investigation results were completed and asked for documentation and details about what they investigated and how the determination was made and who was the vendor who stole my moneythefraud supervisor stated they dont give details about thier investigations. I see why there is a pending class action lawsuit against them for conducting sham investigations and quickly denying cases, offering no protection to customers. I only found this out when submitting this complaint.
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

My XXXX XXXX XXXX caught fire from the hood while I was driving on the XXXXXXXX XXXX XXXXXX/XX/XXXX. I called my insurance about my car loss ( loss on accident -fire burn ) but progressive insurance was only able to give me a written denial letter ( attached ) as I was told that I will not be able to file a claim, because I moved from XXXX XXXX XXXX about a month before the incident, in which I did not receive a notification ( I had auto payment set up ). I already junked the car as I sent someone to pick it up from XXXX and XXXX ( XXXX XXXX ) as I was told that leaving the car there might cost me {$24.00} daily. I attached the police report, car photos from the towing company before it was taken to the junkyard. I have been in touch with XXXX since XX/XX/XXXX, but they finally gave me a claim number with the below claim number last year. I need a replacement of my car since the car should be under warranty within 5 years. Please find attached with this letter necessary documents. I got the car around XXXX from XXXX XXXX ( XXXX, Maryland ). Toyota denied helping me with the attached letter I received yesterday. Also, I got a call and a letter ( attached ) from XXXX & XXXX about collection of the remaining balance ( about {$4000.00} ). Please help as I want my car back to be able to pay the balance ( The total cost is about {$24000.00}, and I already paid about {$20000.00} ). Thank you Car VIN : XXXX Reference number of form submitted to XXXX with all attachments : XXXX
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (NV)

Ive had 2 checking accounts and 1 savings account with US bank and recently my savings account was closed and US bank informed me that I would receive a letter stating why my account was closed and I did receive a letter but it didnt disclose why my account was closed. Now my last 2 checking accounts with Us bank have been put on a hold with any deposits and credits this week and I call and there is no information on why my account is closed. This is my last bank that I have and I have not done anything to have a bad banking relationship with them and I have only utilized my accounts for my job payroll checks and my settlement checks from my attorneys in the state of Nevada. I had limited access to how much I could spend on my debit card a day and it was XXXX I was not able to change my limit with it as well. I was only able to deposit a check if it was under XXXX dollars and I have only deposited 1 check with them and it was a mobile deposit with a cashier check. I feel like they are being XXXX towards me especially when I went into a branch to talk to the manager.
Consumer complaint received 2024-06-21
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. (TX)

15 U.S. Code 1692c ( c ) is a provision of the Fair Debt Collection Practices Act ( FDCPA ), which is a federal law regulating the practices of third-party debt collectors. Specifically, 1692c ( c ) addresses the issue of a debtor 's right to request that a debt collector cease communication.

All communications regarding debt should cease and it is a violation of my rights to report anything to credit agencies. I demand you remove all items listed below. 

XXXX. XXXX  ACCOUNT # XXXX XXXX. XXXX  XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX