davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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. 

Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XX/XX/XXXX Account Name : XX/XX/XXXX Account Number : XX/XX/XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name :XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX has violated my rights. Or 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 2024-05-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC. (NY)

Dear Santander Consumer USA, I am writing to address the recent charge-off of my account. I am concerned about the accuracy of the information provided and the circumstances leading to this action. 

According to the statement dated XX/XX/2024, the total amount due is listed as {$4600.00}, with a due date of XX/XX/2024. However, this due date appears to be before the statement date, which is inconsistent. 

Furthermore, the past due amount and total amount due seem unusually high compared to the monthly payment. I kindly request clarification on the charge-off status and the discrepancy in the amounts provided. 

Your prompt attention to this matter is urgently requested, as I am eager to resolve any outstanding issues regarding my account. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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. (TX)

PLEASE BLOCKED AND REMOVED I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.
Consumer complaint received 2018-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

There was auto account on my credit that i asked Equifax to verify. Instead, Equifax removed the account out of collection and re-reported the account as 90days late payments. I never received any notification that the account belonged to me. i notified the company asking for verification and there was no response. Instead it was re-reported as late. and i have yet to receive that notoification
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


6. there is some inaccurate information reporting DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 


9. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 


12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 


13. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


14. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-05-22
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)

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 XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CB1, Inc. (MT)

Received letter on XX/XX/23 and the letter is dated XX/XX/23 stating notice of legal action. 

I called the collection agency ( XXXX collections ) on XXXX XXXXXX/XX/23 and spoke to XXXX at ext. XXXX asking to make a payment arrangement of {$250.00} and he advised he can't set up an arrangement because its past the date and will move forward with legal. I advised him that the letter states I can set up reoccurring payments but yet he is telling me I can't. He then asked of my husband 's place of work and I advised him absolutely not. asked him about the legal part of the letter and he said he can't discuss anything he can only take a payment. All he was saying is " hmm hmm '' and : ok : and was being very vague. I asked to speak to someone higher up than him which was XXXX XXXX which she was unavailable and I left a message. I told XXXX he cant not harrass us at our plaace of work so I will not be giving him the location. I also told him this is the first letter I received so I was I supposed to take care of this sooner if I have not received a letter, but he said they have sent several letters and left voicemails on my husband phone which he has not received. I am asking the appropriate questions and they arent giving me any information other than I need to pay immediately and if I dont then the legal action will just move forward
Consumer complaint received 2024-05-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

I am filing this complaint against Nation Credit Adjustors ( NCA ) for a collection that has been wrongfully placed on my consumer report. The collection agency has violated multiple consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The specific violations are outlined below : XXXX. Failure to Provide Notice of Debt : * Under FDCPA Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a collection agency must send the consumer a written notice of the debt within five days of the initial communication. The notice must include the amount of the debt, the name of the creditor, and a statement of the consumers rights. The collection agency has failed to send me this notice. If proof of notification is to be provided, it must include a copy of the certified mail with a receipt bearing my signature as validation of the notification.

* 2. Lack of Validation Information : * Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information for any debt they are attempting to collect. Despite my requests, the agency has failed to provide the necessary validation information, yet they have placed the collection on my consumer report.

3. Denial of Dispute Rights : * According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given the opportunity to dispute the account. The collection agency has not provided me with a chance to dispute the debt, thereby denying me my rights under this regulation.

4. False and Misleading Representation : * The collection agency is using false, misleading, and deceptive means to collect the debt, which is a direct violation of the FDCPA. This includes misrepresenting the amount, status, and legal liability of the debt.

5. Failure to Provide Required Disclosures : * The collection agency is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) by furnishing information to consumer reporting agencies without providing any and all disclosures required by law.

Relevant Legal Precedents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * This case underscores the obligation of furnishers to report accurate information and the consequences of failing to do so. 
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : * This case highlights the duty of credit reporting agencies to reinvestigate and ensure the accuracy of reported information. 
XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : * This case focuses on the standards for reasonable investigation under the FCRA.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (LA)

During the XXXX XXXX of 2022 I was evicted from my home, I tried my best to keep up with coursework after that, but at the time I lived in my vehicle. When I XXXX XXXX XXXX in school I learned that I have a hold on my account thats stops registration due to " XXXX XXXX returned ''. Instead of having to pay the school, the debt was sent to the office of debt releif. I tried to set up a payment plan for {$200.00} per month but that would take me 2 years to repay when I can be in school. I assked if the hold can be romoved while I pay and they said no.
Consumer complaint received 2024-05-21
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. (IA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) promptly 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-09-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

XX/XX/XXXX, XX/XX/XXXX I have requested change of password and to inquire about the account via the website which claims I max attempts to change password. I then contacted the customer service XXXX several times being left on hold 30 plus minutes without any rep answering. BankMobile XXXX has numerous complaints against their company online. Unfortunately, this company is what many schools choose to bank with in order to give access to students for financial aid. Unfortunately the inability to access my account affects schooling. Please assist
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. (KS)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/2024 I initiated a money transfer for {$2000.00}, to XXXX. 
Transaction failed but MoneyGram withdrew the {$2000.00} from my XXXX XXXX XXXXXXXX account. 
After several months of investigation both the recipient bank and MoneyGram acknowledged that there was an error and the transaction failed. Therefore I am entitled to full refund of the {$2000.00} plus the transaction fee, per attached letter from MoneyGram.

However, MoneyGram has refused to refund the money. MoneyGram referred me to XXXX XXXX XXXX 
XXXX  XXXX XXXX has also referred me back to MoneyGram, as the entity holding the funds.

None of these two want to refund my $ XXXX. 
Please see attached letters from all entities.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$470.00} XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-25
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (WI)

My car was repossessed by LoanMart on XX/XX/year>. I was never given written notice of intent to repossess as required by Wisconsin law. 

When I called to discuss the concern with LoanMart, I was informed my callwas being recorded. I told the agent that his company never provided written notice, to which he responded " Of course we didn't. We don't let people know ''.

After discussing the situation with a lawyer, he directed me to file a complaint with the CFPB. His belief was that if I personally requested a copy of this recording, the company was likely to delete the recording in order to prevent successful legal recourse on my part. He suggested that by filing a formal complaint with the CFPB, LoanMart would be more likely to provide the recording without obscuration.
Consumer complaint received 2024-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KS)

In XX/XX/XXXX, I received a direct student loan for the spring semester. My balance was {$3000.00}. On XX/XX/XXXX, I paid the entire balance in full. MOHELA took the money from my checking account and has not credited my account for the payment. The balance still shows {$3000.00}. I have called and emailed multiple times to get them to update my balance and send me a payoff letter. Multiple emails have been sent. They refuse to update my account balance. I have been given multiple excuses, and I was even told I should not have paid the money because I was still in school. 

Every email reply is : " We see that you have recently contacted us, and we are assuming the issue has been resolved. '' The issue is never resolved. I simply need my balance updated and a payoff letter to be sent. It should not take 5 months to do this.
Consumer complaint received 2024-04-29
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
INQUIRY INCLUDED IN DISPUTE : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRY INCLUDED IN DISPUTE : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (GA)

I have reached out to Mr. Cooper on multiple attempts, both through mail and email in an attempt to have my PMI removed. I have contacted the company in XX/XX/year> and again in XXXX with no response received. I have followed the steps they have listed on their website to remove PMI, and I meet all the requirements. I have requested to have an appraisal updated at my expense, and I have not heard any comments back. I work at an FDIC insured bank as a XXXX XXXX. I feel Mr. Copper is abusing and taking advantage of its consumers by failing to respond. Based on internet reviews, forums, etc of Mr. Cooper, this occurs to be a recurring issue with this company. They want to keep pocketing the funds when there is no real risk and the XXXX on the loan is well below 80 % at this time. Please assist.