davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
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. (MI)

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer report. Yet Experian is reporting information of transactions between the consumer. The reporting of excluded information pursuant to 15 USC 168a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before replying that this account has been validated, lets be very clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. Experian and the creditors reporting collections/charge-offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtness by the Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (UT)

On XX/XX/XXXX, XXXX I received a notice from MOHELA that I was on administrative forbearance while they recalculated my loan payment. In the notice they said that payments would be stopped, but that I would received a notice and a bill 21 days before my payments went back into effect. 
However, I received a bill on XX/XX/XXXX stating that I had a payment that was due XX/XX/XXXX and would be auto withdrawn from my bank account. 
Today is XX/XX/XXXX and they did take my student loan payment out. I had XXXX business days notice and only XXXX regular days notice. 
I also have not had access to my online MOHELA account since XX/XX/XXXX since it states that I am being moved over to another website and they will notify me when it is finished so I cant even see anything about my account on there and havent been able to for almost a month. So it was not possible for me to see this bill prior to XX/XX/XXXX. 

How am I supposed to plan my budget when they keep changing things and giving me the wrong information?
Consumer complaint received 2024-07-10
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 have addressed this account several times, but it continues to appear on my credit report. Please take action on this matter, or I will be forced to file a case regarding this issue, Here 's the list of negative accounts need to delete. 

XXXX  Date of inquiry : XX/XX/XXXX Account Name ; XXXX  XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$69000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-26
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. (MO)

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 2024-07-10
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

I was laid off from XXXX in XX/XX/year>. At the time, I had an autopay amount of {$200.00} per month set with Best Buy with a remaining balance of {$2200.00}. After I was laid off, I changed my auto payment amount to minimum due, which at the time was {$29.00} per month. In XXXX, Best Buy charged me {$29.00}. Same for XXXX. On XX/XX/year>, I purchased a XXXX XXXX for my photography business with my Best Buy credit card. The total cost of {$2400.00} for the lens was added to my remaining balance. This then changed the monthly minimum amount due from {$29.00} to {$56.00}. On XX/XX/year>, Best Buy charged me {$930.00}. I call their customer service, and let them know and they apologized and sent me a refund. The refund of {$870.00} was deposited in my bank account on XX/XX/year>. In XX/XX/year>, Best Buy withdrew the correct scheduled minimum due which was {$46.00}. On XX/XX/year>, Best Buy withdrew {$820.00} from my account setting my checking account to $ XXXX. I turned off my auto payment and called customer service, and they apologized again and opened a dispute. I asked if they could expedite it, as my bank account was now negative with upcoming bills due. Several weeks went by and I did not see anything. I called again and the representative looked into it and said they will submit a note and get things moving. It was not until XX/XX/year> that I received an email stating that I received the refund. Only when I checked my bank account, I saw that Best Buy refunded me {$48.00}. I proceeded to call customer service again and was never able to get anything else done. To this day, I still have not received anything from Best Buy. This mistake on Best Buy 's part triggered a chain reaction of failed/late payments that not only destroyed my credit score, but led to 6 accounts being closed with a debt amount of {$50000.00}, and potential pending lawsuit. I will be immensely grateful for any help I can get. I dont believe they acted fairly.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX 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 me 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 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 - 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 2024-07-08
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. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am having issues with getting my information updated with Transunion. I have tried to call the phone numbers provided and provide information and all I receive in response is the fact that I am a victim of fraud. But none of the information changes, updated or is fixed. I am a natural person and I have the right to have my information accurate and correct. Please help me to get this information updated as soon as possible. 
There should be only XXXX name and XXXX address listed on my personal credit profile. 

I am again providing my proof of residence. 
Current valid State issue identification
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (SC)

I would like to exercise my right to opt out of the sharing of my nonpublic personal information to nonaffiliated third parties pursuant to my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically under Title V, Subtitle A, Section 502.
Consumer complaint received 2024-07-09
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC (NJ)

We hired Strategic Financial Solutions D/B/A XXXX XXXX XXXX in XXXX XXXX New Jersey to represent us before our credit card companies. We did this in good faith hoping they would help us find equitable solutions. They took over {$15000.00} in fees from us but did not show up to represent us in court and other failures to provide services. As a result we lost our cases by a failure to respond.
Consumer complaint received 2023-10-31
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. (GA)

I wanted to know if you have received all my letters since the month of XXXX because it seems that Im not getting any response nor resolutions from here. Ive been patiently sending you letters. I spent a lot of time, effort, money and energy explaining to you guys my complaints, inquiries and disputes. I never missed to inform you how these inaccuracies affect my scores and my name. I needed resolution and I need your assistance to help me reach out to these Consumer Reporting Agencies.
Consumer complaint received 2024-06-08
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. (TX)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION (CA)

The collection agency attempting to collect on behalf of Navy Federal Credit Union states this is a new collection account. The debt transferred from Navy Federal to XXXX and the debt drops off for XXXX days and is added back to my credit reports as new. This debt stated during a period of time where I needed medical care and stopped work. I contacted the bank for assistance and made every attempt to make payments while on XX/XX/XXXXXXXX. The debt was given to collections and is being improperly reported by Navy Federal and the debt collection. I became ill in XXXX so this debt is XXXX years or older and should no longer be reported on the credit report. The debt collection shows XXXX as the year of the debt. Which is false information.
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (PA)

On XXXX, an escrow tax payment was sent to XXXX XXXX XXXX for my local XXXX XXXX taxes in the amount of {$1000.00}. However, this check was never cashed. I need Truist/XXXX  to issue a new check to pay for this supplemental tax bill. The check needs to be payable to " XXXX of XXXX ''. Since it is now delinquent, the amount due is {$1100.00}. I should not be responsible for these late fees since I have been trying to get this resolved for the past 2 months. 

XXXX has called previously to confirm if these taxes have been received. If you call again, please say that this is for XXXX AND XXXX DELINQUENT TAXES. THIS DOES NOT APPLY TO XXXX. The phone number for XXXX XXXX XXXX XXXX extension XXXX. 

The new check needs sent to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Portfolio Services, Inc. (IN)

This CONSUMER PORTFOLIO SVC is reporting hard inquiry on my credit report that does not belong to me. I ask CONSUMER PORTFOLIO SVC to remove this information from my credit report. 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXhone number By mail only
Consumer complaint received 2024-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

The negative rating on my account is a major source of concern. Its potential impact on my credit is deeply troubling. This issue has already led to a loan application being rejected and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until resolved.
Consumer complaint received 2024-07-08
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)

XXXX on trans union threes, three negetive accounts that are fraud credit collecton and two, otber charge off accounts please, have trans union fraudvictim assitance department remove these ithree negetive acounts and the four credit hard inquires theres also a federal, trade identity, thef repoet on file
Consumer complaint received 2024-06-08
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)

This loan was paid as agreed and paid off with additional late fees that were disputed by myself but I felt forced to pay due to XXXX XXXX requesting i pay the end part of my loan on full and included the XXXX dollars in fees. I was in the hospital for last XXXX months and i still managed to pay off this acct as agreed as reflected on my report with all current payments. When explained and the response to the incorrect reporting was insensitive on XXXX XXXX  part and this should discourage people from doing business with this company due to improper handling of situations concerning their long time customers.
Consumer complaint received 2024-07-08
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. (AL)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts be BLOCKED AND DELETED TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
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. (PA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-07
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)

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 2024-07-07
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. (NV)

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.