davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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. (MI)

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 Account Name : XXXX XXXX XXXX XXXX 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 2024-06-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service (LA)

I am a resident of the state of Louisiana and an XXXX XXXX service member. My XXXX XXXX time began on XX/XX/XXXX and has not yet concluded. I requested Louisiana XXXX XXXX benefits be applied to my Military Star Card account per Louisiana revised XXXX XXXX on XXXX XX/XX/XXXX and was denied on XXXX XX/XX/XXXX because I am not currently XXXX to a contingency area. Louisiana XXXX states : XXXX. Limits on creditor interest rates XXXX. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding XXXX percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of XXXX percent per annum that otherwise would be incurred but for the prohibition in XXXX XXXX of this Section are forgiven. 

XXXX XXXX amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under XXXX XXXX of this Section that is allocable to the period for which the periodic payment is made. 

XXXX XXXX order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than XXXX XXXX XXXX days after the date of the person 's termination of or release from XXXX XXXX. 

XXXX Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

XXXX XXXX court XXXX XXXX a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of XXXX percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts XXXX, No. XXXX, XXXX, eff. XX/XX/XXXX.
Consumer complaint received 2024-06-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ME)

A lawsuit was filed and won with the XXXX XXXX schools for misconduct. My federal loans were approved for discharge with the XXXX XXXX XXXX and deleted however, Navient is providing me no opportunity for discharge with my XXXX  XXXX Private loans nor any information or help when I contact them via phone. My loans have doubled what they were because of high interest rates and I have been paying them monthly for years with no end in sight. They are rude on the phone when I ask for help and refuse to give me my available options for a school that is now closed. They continue to demand payments from me.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

I received a check in the mail for becoming a XXXX XXXX  XX/XX/XXXX XXXX I deposited the check into my account it was returned for being fraudulent.I filed a claim with my bank Wells Fargo.They did an investigation and my claim was denied.I have XXXX dollars out of my account due to that.They told me that it was my fault and it was no error so it was denied.
Consumer complaint received 2024-06-04
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC (NC)

XXXX XXXX XXXX XXXX XXXX has repeatedly called me and my mom, leaving voicemails for myself. Its obvious that my personal information has been shared with this collection company because I have no contract with this particular company nor have I ever granted them permission to contact me by verbal, non verbal, written, non written. Nor have I even granted them permission to reach out to my mom 's mobile number. This is a violation of the Privacy Act because my non public personal information was shared with them without my consent. I've also confirmed that this collection agency isn't accredited with the XXXX, they aren't license with the state of North Carolina to collect on anything, and I was also unable to pull them up on XXXX. I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/year> ( twice ), and XX/XX/year> and stated you wanted to discuss a matter you received. Please supply the information below in writing so that I can be fully informed : 1. Please provide copy of contract showing that I legally owe and obligated to pay you a debt. 2. Your license number as a debt collection agency and proof that you are licensed to collect in the state of North Carolina. Provide the date of the license, name on the license, the name/address/telephone number of the state agency issuing the license. 3. Have you made a determination that this debt is within the North Carolina statue of limitation applicable to it? Tell me when you think the status of limitations expires for this debt, and how you determined that. Effective immediately, you are to no longer contact me by landline phone, mobile phone nor reach out to anyone related to me verbally, non verbally nor written. Your only form of communication to me is in writing only. Effective immediately, I opt out of you sharing my information verbally, non verbally, written or otherwise with consumer reporting agencies, marketing companies, financial institutions, or any type of commercial organizations. My financial information and payment history is non public personal information that you are not to share with anyone without my expressed/written consent because it is protected by the Privacy Act, GLBA, FCRA and FTC. Any violation of these laws will result in legal action against you and the client from which you obtained my information.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TomoCredit Inc. (NC)

I opened an a account with tomocredit I paid for a year membership and the account never reported correctly and later was removed lowering my credit scores I ve been over 2 months asking for cancelation and refund I open a ticket and they close it unable to call they don't take phone calls https : //tomocredit.com/dashboard/login
Consumer complaint received 2024-01-11
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. (MI)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a concerning issue I recently discovered while reviewing my credit report. Upon careful examination, I noticed several credit inquiries that are not mine, and I did not authorize these inquiries. 

Below, I have listed the unauthorized credit inquiries along with the respective dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am deeply concerned about the potential impact these unauthorized inquiries may have on my credit score and financial well-being. I kindly request your assistance in investigating and resolving this matter promptly. If there are any additional steps or information required from my end, please let me know, and I will provide the necessary details to aid in the investigation. 

Thank you for your attention to this matter. I appreciate your efforts in ensuring the integrity and accuracy of consumer credit reports.
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

On XX/XX/year>, I successfully transferred {$490.00} to my Citibank account. After I transferred those funds I was unable to access my account. I was never given a proper reason why I lost access to my account. I was told the bank can no longer provide me service and then I was hung up on multiple times. Now my account is closed and no one has told me why or how Ill get my money.
Consumer complaint received 2024-06-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies (PA)

XX/XX/year> Amount {$660.00} I.m seeking action toward this amount cause i.m dispute this amount and XXXX payment {$220.00} is the issue being late cause of Financial hardship but it will be paid soon and the company is Threatening to close my account and cancel the Loan cause of pass due on the loan...
Consumer complaint received 2024-01-08
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

Aargon Agency claims I owe them a debt of {$940.00} from XX/XX/XXXX. They claim its related to an old ER visit. 

My first issue is this, I was not in the XXXX  anytime around XX/XX/XXXX. 
My second issue is that I have maintained health insurance since before and much after that point and they have no record of me owing any amount in excess of any medical bills currently. 

When I spoke to Aargon Agency on several occasions I attempted to help figure out the mix up. As they persisted this was my debt to clear I requested some sort of verification from the original creditor. They sent me a copy of their collection account that did not have any information about me or how the debt was incurred. 

I requested another form of verification that would not only show me where the debt came from, but also at the very least have my information associated to it. They ignored my request and never got back to me. After they failed to provide me with this information at the start of XXXX I requested that they stop attempting to collect and delete the inaccurate information from my credit report until they could prove that it was indeed my debt. Again they ignored me and continued anyway without any further attempt to actually help me resolve the debt.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Upon checking my consumer report I noticed charge-off remarks being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX never provided me with a 1099c form notifying me that my account was charged off. As for the UCC laws XXXX XXXX XXXX also failed to follow XXXX by phone or XXXX XXXXAS for FCRA XXXX XXXX XXXX violated section 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. I also filled a compliment with XXXX. The report will be attached as well.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax changed my personal information without a request from me, without my consent and without my authorization. Equifax now refuses to correct their mistake or provide any information as to why my personal information to substantiate why my information was changed in the first place.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation (TX)

I have a current loan with regional finance on XX/XX/year>, i reached out to them to let them know i needed a refinance i only had XXXX payment due. XXXX week passed XXXX weeks passed i kept calling they said they sent docs for approval at head office, they have the head office calling me constantly that my loan is past due they made another payment catch the other one and stated they were moving from XXXX office to the next and the documents i sent got delayed due to that fact. Then they came back asking for tax returns offering another low interest product for XXXX  months. Then after that they stated it was not approved this is XXXX weeks after sending in my documents because they were told the manager of that branch said i have to make another payment before it can be approved, but i stated that i only had XXXX payment you all had the documents sitting on for weeks, i stated i cant make the payment, even though notes are made on the account they keep calling my my phone after advising them that i will make XXXX payment in XXXX. This is wrong on they should have kept their promise. They have multiple locations constantly calling i think they made the account go into default and im not sure whats the motive here. I have been a customer for a quite a while.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I hope these letters will reach the appropriate departments. They reported multiple numbers of collection accounts on my credit report, yet, my personal information from their records were incorrect. 

They have NO uniformity of information. 
How can they say that a certain account is mine and my responsibility if they can't even be 100 % accurate with my personal information. Where did they obtain my details then? 

As a consumer, my concern here is the security of my private information, and I'm receiving a lot of unauthorized access on my account, doing hard inquiries and inquiry removals without my approvals and permission. 

Now, I'm totally shocked that multiple derogatory and collection accounts came popping in my credit report lately. 

I deemed it all to be misleading, invalid, inaccurate and inconsistent! I want these removed. I asked for reinvestigation in the past but I received letters not following what was written in my debt validation letter. 

Since they failed to follow the correct procedures. I request for these accounts to be remove immediately from my credit report.
Consumer complaint received 2024-06-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX I submitted request for School Misconduct Discharge Application from Navients Office of Consumer Advocate. They denied my request of the application stating that i did not qualify since my loans have been re-financed, however my loans are still under ownership of Navient. 

I have {$100000.00} in loans from the for-profit school, XXXX XXXX XXXX this school and Navient have been in several class action lawsuits, which borrowers claim they mislead students and Navient of predatory loan practices. These loan practices and over-promises from the XXXX XXXX have negatively impacted my financial situation and mental health significantly. In the past 12 years i have paid {$80000.00} towards interest without going to the original principle. 
In XXXX of XXXX i could no longer make payments to these loans due to their significant impact on me financially, my credit score has gone from close to XXXX to a low XXXX. 

Under the Borrow Defense Act, all of my federal student loans have been erased through and i have gotten back my paid amounts. I am asking Navient to take the same responsibility in their actions, as these loans violate my rights as a consumer. I have acquired legal counsel to discharge these loans and re-compensate in full of payments made in past to these loans.
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Keith D. Weiner & Associates Co., L.P.A. (OH)

Keith Weiner & Associates allegedly obtained a judgement against me for municipal taxes when I lived in XXXX, Ohio. I was never made aware of any lawsuit having been filed, or court dates requiring that I appear to defend myself against their claim. Since then, they have garnished my earnings to the amount in excess of {$6500.00} to pay the judgement of {$3000.00} issues against me without my knowledge. I looked into this further, and a quick public record search shows that their only attempt was mailing a standard usps letter to MY PARENTS ADDRESS in XXXX where I did not live. No further attempts were made to notify me of anything. Just recently ( within the last week ) I received a letter from this sham law firm that the judgement was released after 7 years. That was followed up today with another letter from these people demanding g that I pay them another $ XXXX or face additional wage garnishment for taxes assessed for a year that I didnt even live in XXXX except for a small part of XXXX. Additionally, the letter received today includes a veiled threat targeted at my job/livlihood stating that failing to pay them could result in my employer terminating my employment. This is unacceptable and illegal, and I will not tolerate anymore from these con artists who have already robbed me of almost {$7000.00} to pay a judgement of half that amount that I was never legally notified of in the first place.