davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There Is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

TransUnion LLC Attn : Consumer Relations Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Intent to File Lawsuit for Violation of the Fair Credit Reporting Act ( FCRA ) I kindly request immediate removal and blocking of XXXX XXXX XXXX XXXX XXXX and the handling of my credit information by TransUnion. I expect that necessary steps will be taken to ensure that my credit reports are accurately reflected and that any false or misleading information is removed without delay. 

Please consider this letter as a final opportunity for TransUnion to rectify the situation in a fair and equitable manner. Failure to do so will leave me no alternative but to proceed with legal measures, seeking remedies for the damages sustained as a result of these ongoing violations. 

I anticipate your prompt attention to this matter and hope for a swift resolution. Please acknowledge receipt of this letter within 30 days. You may contact me at the above-mentioned email address or phone number if required.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

Monday XX/XX/2023 at XXXXXXXX XXXX I received a text from my mom that my uncle was expressing he was tired of receiving calls from XXXX which sounded like a collection call. I called the number to find out it was Ally Financial which I had requested to cease and desist all calls a month or two prior. My uncle is a distant relative we dont speak to so I am very upset he was called especially after I requested cease and desist. I never used him as a reference. Ive spoken to ally financial about my unfortunate circumstances and understand I have an obligation to pay my debt. Ive experienced medical, loss of income and increase in expenses as my credit which used to be in the XXXX can reflect that. I am stressed out and the calls puts more stress on the situation. 

I was being refused a manager saying one was not available. I said I will wait finally got a manager who denied me a number or address for me to file a complaint on still receiving calls on cease and desist account. All calls are monitored recorded so this can be confirmed. The manager would not provide me info just said hed take my complaint and feed back I expressed to him I wanted to escalate it further. Then call went real silent. 

I had to do research to find this consumer finance protection site to file a formal complaint.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

n 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 XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

Hello, I sent multiple additional payments in XXXX right before my loans transitioned to the new Mohela website. The money was pulled from my bank account but has not reflected appropriately in the system. I was told in XXXX by a representative on the phone that the payments would take up to XXXX business days to show the appropriate amounts. Now that we are at XXXX business days, I still do not see any movement on my account, but Mohela can still access my banking details and still pull auto-debit for a monthly payment. 

I do not trust that when things " adjust '' that my account will be calculated with the correct updates to what should be my actual remaining loan balance. Additional Payments XXXX and XXXX below were withdrawn from my bank but did not get applied to my loans on Mohela 's website pre-transition, which apparently will not catch up to the new system anytime soon. 

Standard Payment taken out XX/XX/XXXX : {$280.00} Additional Payment # XXXX taken out XX/XX/XXXX : {$250.00} Additional Payment # XXXX taken out XX/XX/XXXX : {$360.00} I have receipts for all of these withdrawals as well. And no one can access account details from the old system to verify my amounts. The standard payment was applied right before the transition, but still, none of the other payments have applied. I targeted specific loans with my payments as well. Loan # XXXX on my account shouldn't even exist anymore, yet it still exists and is accruing interest. I want my loans to be applied exactly the way I requested when I submitted payment. This is absurd that Mohela can keep charging me month to month and do nothing to fix the accounts of myself and many others due to this transition. 

I've sent this exact email to Mohela as well on XX/XX/XXXX with no response, yet.
Consumer complaint received 2023-12-18
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. (FL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Consumer Adjustment Company Incorporated (TX)

I have connected XXXX on numerous occasions within the current year of XXXX informing them that my information on my credit report such as name and address does not exists and I would like for it to be removed. XXXX has informed me that it was removed. I ran my credit on XX/XX/XXXX and the same information is being listed on my credit report that is not me or non factual. 

Name ID # XXXX listed on my credit report is not my name and I would like it removed and anything attached to it be removed. I contacted XXXX over 5 times within the year XXXX and informed them this information is inaccurate and not me and XXXX told me they would remove it. 

Address ID # XXXX is not my address, I never lived there and the address is non existence, I would like it removed off my credit report and anything attached to it. I contacted XXXX over 5 times within the year XXXX and informed them this information is inaccurate and not me and XXXX told me they would remove it. 

Consumer adjustment Co is reporting on my credit account inaccurate information, the balance is stating XXXX. The original creditor is XXXX XXXX, XXXX XXXX is reporting on my credit numerous times with a balance of XXXX. This same account is being reported 3 times on my credit. 

XXXX XXXX XXXX original balance XXXX is reporting multiple times on my credit report. It is reporting as XXXX XXXX XXXX and also XXXX with the same balance as XXXX. It is the same company. It should not be reporting twice. I contacted XXXX and disputed this and they ignored my concern and failed to tell me why the same company is reporting multiple times on my credit report. 

XXXX ... In XXXX XXXX has been in a repossession class action lawsuit and I would like this removed off my credit report.
Consumer complaint received 2023-10-25
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. (FL)

This complaint is in regards to a public record that i didnt give written consent to be provided on my consumer report. The public record i am referring to is a XXXX XXXX BANKRUPTCY which was dismissed. I am aware that this a form of identity theft and a violation of my consumer rights!
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to bring your attention that my credit file contains accounts with no historical reporting data. Under to 15 U.S. Code 1681i Compliance protocol, these accounts must be removed from my report without delay.
Consumer complaint received 2024-06-18
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/23, I applied & was approved for the capital one XXXX XXXX  because the terms stated that I would be able to use a balance transfer offer at a 0 % rate for 15 months, with a 3 % fee. Upon approval, I navigated to the balance transfer page and a message popped up saying that there were no offers on the account. This is false advertisement and deceptive because the only reason I applied for the card was because the terms and disclosures stated I would get the 15 month offer ( as mentioned above ). 

After calling customer service and waiting on hold for XXXX minutes and then being transferred, I was informed that offers may take up to 10 days to show on the account. The agent could not promise the offer would appear on the account though, which would be a violation of the terms that stated I would be getting an offer. There is nowhere in the terms that states it can take up to 10 days to appear nor that new accounts may not be eligible for the offer. 

At a minimum, I am expecting to be given the terms of the card that I applied for and was approved for, with the balance transfer offer. 

Additionally, the terms should be updated if there are additional eligibility rules, outside of being approved for the card AND update the terms to state that it can take up to 10 days to show on the account for use. Many other competitors allow you to submit the balance transfer during the application process, so at a minimum the terms and conditions need to reflect what CapitalOne is actually doing when the customer applies for and is approved for their card ( s ).
Consumer complaint received 2023-10-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have had this phone number for about 2 weeks. This Capital One Auto company has called every single day sometimes more than once a day looking for someone im assuming who used to have this number. Ive tried to contact them back but its not allowing me to speak to anyone unless I have an account with them. I do not have an account with this company so there isnt anyway to let them no im not who they are looking for. Im usually working and cant answer when they call. I have blocked this number but they are still calling leaving voice messages. This company needs to remove this number from their call list they are a very annoying company!
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, 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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX D XXXX, TX XXXX XXXX XX/XX/XXXX RE SS #. XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) Insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from the Fair Credit Reporting Act. 

XXXX XXXX Unauthorized inquiry date XX/XX/XXXX. 
XXXX XXXX Unauthorized inquiry date XX/XX/XXXX. 
XXXX XXXX XXXX Unauthorized inquiry date XX/XX/XXXX. 
XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX XXXX Unauthorized inquiry date XX/XX/XXXX. 
XXXX XXXX Unauthorized inquiry date XX/XX/XXXX. 
XXXX Unauthorized inquiry date XX/XX/XXXX. 
XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XX/XX/XXXX. 
XXXX -Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XX/XX/XXXXXXXX XXXX Unauthorized inquiry date XXXX XXXX XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX Unauthorized inquiry date XXXX XXXXL Unauthorized inquiry date XXXX XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX XXXX Unauthorized inquiry date XXXX XXXX XXXX Unauthorized inquiry date XX/XX/XXXXXXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXXL Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XX/XX/XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XXXX XXXX Unauthorized inquiry date XX/XX/XXXX Please remove these inquiries from my credit report immediately. 

If any of these companies purport a hard pulled my credit report with permission, then I exercise my legal right to ask for verification, including : XXXX ) Name and title of person who pulled my credit. 
XXXX ) Date they purport that I gave permission. 
XXXX ) Method, they purport I gave permission. 

Please send me a new credit report reflecting the changes. 

Thank You, XXXX XXXX NOTE XXXX PLEASE SEE ATTACHMENTS :
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX, XXXX, & Equifax continue to report the account XXXX Account # XXXX on my report and it is reporting inaccurately. There are several inconsistencies within the account which means it is not being properly validated. 

High Balance : {$1500.00} {$1500.00} {$1000.00} Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type : Home Electronics Sales and Service Miscellaneous Finance Sales Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off loss aid balance it sared as a Charged off account Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am filing a complaint regarding a charged-off account from XXXX that is being inaccurately reported on my credit report. The account is listed with inconsistent information across the three major credit bureaus ( XXXX, Equifax, and XXXX ), which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2. Creditors are required to furnish accurate and consistent information, and the discrepancies in how this account is reported are causing damage to my credit profile. 

Under FCRA, I request that this account be deleted from my credit report due to the inconsistencies and failure to maintain accurate reporting. I have disputed this multiple times with no resolution.
Consumer complaint received 2024-06-17
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NV)

Thank you for your letter dated XX/XX/XXXX, wherein you confirm my outstanding balance as requested. You have overlooked or ignored my request. I have made no inquiries, however, my notarized notice that was sent has gone unanswered. On the referenced matter, I would need your confirmation that you would accept full payment of the obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form and produce all other requested documentation. 

NAVIENT has dishonored a notice that was sent regarding student loan # XXXX. The notice was sent on XX/XX/XXXX certified mail return receipt # XXXX and there has been no valid response, nor have I received the requested documentation. The servicer NAVIENT must produce ALL requested documentation. I will conclude that you are either unable or unwilling to comply. I will thereafter consider the matter between us to have been legally and financially settled if documentation is not received on or before XX/XX/XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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/year>
Consumer complaint received 2023-03-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (AL)

I went through Affirm online to get the down payment for a rental coming up in XX/XX/2023. This was a planned trip for my fathers XXXX birthday to California and visit my sister. 
Unfortunately my son had to get an unplanned medical procedure did around XX/XX/2023 therefore the trip had to get canceled. 
I reached out to the vendor XXXX XXXX where I initiated the rental from. XXXX rentals would not refund nor cancel the rental since I was not able to go. XXXX told me via email that they will give me a store credit for future rental.I told them that was not acceptable and I wanted the loan that was through Affirm canceled and this entire situation to get resolved, but XXXX kept telling me that they would not refund my money which is not right or fair since I couldnt go on the trip. I filed several complaints with Affirm with regards to their vendor XXXX XXXX, but Affirm only wanted their money due on the loan and kept calling me during the disputes every single day about a past due payment. I know that this has not been resolved and the vendor and Affirm should have worked this out by canceling the loan contract because I never did take the rental. I received a phone call from XXXX a weeks prior wanting to confirm my reservation. I told them I am not going and this shouldve been canceled by the vendor. However it has not been canceled nor any money returned back to Affirm, so they can close out the loan. XXXX XXXX is refusing to give me my money back and Affirm thinks I still owe them a loan which is not right. I have gone on for several months trying to get both Affirm And XXXX XXXX to see that I do not deserve to have my credit ruined or owe money on the loan. Per Affirm they will cancel the loan if XXXX XXXX would send them the cancellation but XXXX will not do it. I canceled the reservation over the phone with XXXX. I dont know what else to do.