davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
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)

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. 

XX/XX/XXXX 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 finish 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 2024-07-02
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. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-07-02
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (LA)

Equifax, XXXX, and XXXX are reporting several derogatory accounts on my Creditreport. I was in Equifaxs data breach where all of my information was stolen. Ive disputed this information because Im a verified fraud victim. This has caused negative reporting and a significant decrease of my credit score. Those fraudulent accounts should be removed, instead theyre being re-investigated over and over. I want those negative accounts removed.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have repeatedly sent letters to Equifax stating specific US Codes that they were in violation of along with my personal information ( Drivers License, Proof of Address, and Social Security Card ). I have repeatedly requested proof of validity and I did not receive anything back providing validation. This company has repeatedly violated my rights as a consumer.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 Capital XXXX Auto XX/XX/2023 XXXX Dealer Fin XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Capital XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital XXXX XX/XX/2023 Ally XX/XX/2023 Safe XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Star XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAIN XXXX XXXX XXXX CoXXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (LA)

being charged 29.47 % interest rate want the business to follow the SCRA XXXX Louisiana Laws Revised Statutes TITLE 29 Military, naval, and veteran 's affairs RS 29:312 Limits on creditor interest rates Universal Citation : Universal Citation : LA Rev Stat 29:312 312. Limits on creditor interest rates A. 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 active duty interest or finance charges exceeding six 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 six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven.

C. The 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. 

D. In 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 one hundred eighty days after the date of the person 's termination of or release from XXXX XXXX. 

E. 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. 

F. A court may grant 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 2005, No. 296, 1, eff. XX/XX/XXXX.
Consumer complaint received 2024-05-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: American Credit Acceptance, LLC (MI)

XXXX was repossessed in XXXX of last year and I paid the full balance owed on XX/XX/XXXX and XXXX. The car at that time had been moved to the Indiana XXXX XXXX XXXX and I had no way of getting down there and my release ended after 30 days. I asked American Credit Acceptance for a new release and was told I owe for XXXX so they cant give me a new release until I pay for XXXX. I paid what I owed for XXXX and got a new release sent out and went to retrieve the car XX/XX/XXXX. The Indiana XXXX XXXX XXXX communicated with me after the release about my storage fees and informed me the fees were {$300.00} and only payable by money order and they would release the car to me. I could not get the car without paying the storage fees. I did not get the money order until I went down there and communicated with them in person and I ended up going 5 minutes up the street to XXXX to retrieve the money order I needed. I have attached screenshots with the date, time and location of me removing the money but I never received a receipt from the Indiana XXXX XXXX lot once I gave them the money order. I asked for an extension on XXXX and was late for XXXX payment ( to which it isnt an excuse but I ended up with the flu in XXXX and missed a lot of work ) I made a full payment of {$530.00} ( normal payment ) in XXXX which counted towards XXXX. Wednesday XX/XX/XXXX my car was repossessed and I was told I owe over {$1800.00}. My car note after 2 months is only a little over a {$1000.00} and even after late fees would not excess {$1300.00}. I contacted them XX/XX/XXXX after going through my recent payments from XXXX and went over every payment with XXXX the supervisor and informed her and showed her how I dont owe that much and {$1800.00} was never displayed on my account and any point in time. I also have screenshots of them changing my account the day I said something while I was on the phone with them. XXXX asked me to give her a minute and I was patient and waited, the call lasted an hour and a half of mostly me just waiting, while she had me on hold and was making calls. She finally got back to me and told me apparently XXXX XXXX  months behind because I owe the Indiana XXXX XXXX XXXX fees. Apparently my money order was not enough and they somehow sent my money back. I dont know how or where you can send a money order back. I contacted the auction lot and informed them of the situation to which the representative I spoke to was apparently confused but he said he would investigate and he would get back to me. So if my money was not enough or I just didnt pay thats a bigger problem because now I have missing money on top of being overcharged.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (AZ)

AFTER 697 DAYS SUDDENLY A CREDIT COMPANY SAYS I OWE XXXX XXXX {$520.00} BUT XXXX XXXX REFUSES TO PROVIDE A FINAL BILL MY CREDIT CARD COMPANY CONFIRMS MY LAST PAYMENT. I HAD TO CHANGE PROVIDERS WHEN I MOVED FROM XXXX TO XXXX AND I HAD TO PAY XXXX XXXX IN FULL WHICH I DID INORDER TO KEEP THE SAME PHONE NUMBER
Consumer complaint received 2024-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

background check has information that was not system generated but a report that made up out of a different country of which I never lived and is being used to make the decision process to obtain an apartment or home. This information is not accurate at all and I am being denied without recourse because Transunion " XXXX XXXX XXXX is actual in XXXX and not the United States. I have'nt been able to remove this information because I do not live there and never have but it is coming up here in the United States XXXX
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I hope all is well. The reason why Im writing is because my Bank of America credit card ending in XXXX all my payment methods ( bank accounts ) have been deleted and its not allowing me to add any of my bank accounts to make a payment for the future payments. Can you please fix the issue? So it allows me to add my bank accounts when its time to make a payment. I have had this account for over 10 years and I havent ever had this issue before please fix it. Thank you for your time.
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PRIMARY RESIDENTIAL MORTGAGE (ND)

In XXXX of this year PRMI said i was late twice so they messed up my credit rating of XXXX to XXXX i argued for XXXX months they corrected the XXXX months then said i was XXXX months late again which i was not and lowered my credit rating again. i showed proof i was not late but they refused to budge then sent me a foreclosure notice and i had such a bad XXXX XXXX i had to go to the XXXX. now I'm on XXXX  when i have never taken medication before and they sent me a certified letter again saying they were foreclosing and they were taking my house on the XXXX of XXXX. I called to tell them that I sold the house and she called me a liar and hung up on me. I called back and sent an email copy of my bank stating these cashed cashed checks she still says I'm late. I'm not. The house closes on XXXX XXXX th and i told her i would never use her company again.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Due to ongoing issues with a foreclosure case that is still open in XXXX XXXX, MD, Bank of America and their agents sold my home from underneath me, without a final ratification. I am trying to buy a home and it has been reported that there was a foreclosure in XXXX, but that is false information. Bank of America filed foreclosure paperwork against me in XXXX when I was only 2 months behind. They then bought the property back at auction sale on XX/XX/XXXX. Not XXXX. In XX/XX/XXXX, my home was sold to a realtor by the name of XXXX XXXX XXXX XXXX, of XXXX XXXX, XXXX XXXX, XXXX, who only wants the home to sell for investment purposes only. Bank of America has committed fraud and the Circuit Court did not have a final ratification on the actual XXXX sale to this day. This in turn is hurting my chances with getting new lending opportunities to get a new home because lenders require a 2 year removal of the foreclosure. 
The XXXX of Maryland Land records apparently is reporting that there was a foreclosure thanks to Bank of America 's agents, and that is not the correct title information. I am wrongfully foreclosed on my former property, and I am still in court trying to rectify the case with actual facts. However, there is no way to speak with Bank of America over the phone or get a clear response through the mail, because they tell me to speak with their law firm, XXXX XXXX XXXX and XXXX XXXX XXXX. They are the law firm who are the agents that wrongfully stole the home through false reporting to the XXXX of Maryland government that they had the rights to the home, and filed a Deed transfer ... without a final ratification per Maryland Law. Bank of America also wrote off the entire amount of my home to me for my XXXX taxes by claiming that I abandoned the property through a 1099-A, but that is not true neither. I am seeking help in correcting the title reporting of a supposed foreclosure, when it is still open and ongoing in the courts, and the reversal of the sale of the home. This is causing a hardship upon me at this time as a XXXX XXXX. Please note the other complaints since XXXX over this same former lender who bought my home loan, and the excuses given to CFPB over this same problem. I am hoping that action actually occurs because Bank of America will always continue to say to this government agency that they have done nothing wrong, and that the " foreclosure, '' was just. The home was never foreclosed upon officially in the Courts because it is still ongoing, not XXXX. Thank you. 
XXXX XXXX, XXXX
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. By requesting " validation '' ; I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX XXXX XXXX collection agency in the state of Michigan does not have legal authority nor proper licensing. XXXXXXXX XXXX XXXX  does not possess a collection agency license in the state of Michigan. I am a Michigan resident in XXXX XXXXXXXX XXXX has been attempting to coerce me into believing that I owe them a debt. They have failed to show me any contact agreement in which I agreed to do business with this company. In an attempt to take advantage of me, the consumer, they have included the name associates to appear as if they lawyers or attorneys in which they are not. This company has been violating my consumer rights for years by furnishing this onto my consumer report. Without my consent I have never done business with or have I acknowledged this alleged debt. 
The account number is in question in relation to these alleged debts are Acct # [ XXXX ] {$430.00} At the refusing to validate the these alleged accounts this company is breaking the following laws 15 usc 1681b Identity theft 15 USC 1681n Willful Non Compliance 15 usc 1681e Not reporting accurate information 15 USC 1602G Because of these constant violations of the law and my consumer rights, I am legally and lawfully, refusing to pay this company
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

This is my final notice before I pursue litigation against the consumer reporting agencies for multiple violations of my federal protected consumer rights. Please find attached the proof of claim that transactions and experiences were reported on my consumer report which is a violation because pursuant to 15 USC 1681a ( d ) 2 ( a ) ( i ) they are excluded from the report, subject to section 1681s-3. Despite multiple letters and disputes, the CRA 's continue to commit identity theft and fraud under federal law and fail to block the identified transactions pursuant 15 USC 1681c-2 ( a ). The unverifiable items listed on my consumer file are in complete violation because I never gave written consent which violates permissible purpose of consumer reports pursuant 15 USC 1681b ; And the fact that the furnished inaccurate accounts still remains on my consumer file violates 15 USC 1681e ( b ). The continued willful and negligent noncompliance has escalated my pursuit for justice and entitled declaratory relief sought from a higher court pursuant 15 USC 1681n and 15 USC 1681o. Again, the multiple violations that has occurred prompts me to exercise my right under the FCRA to OPT out of reporting on my report.

Please see attached supporting documents
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (FL)

ALLY FINANCIAL has an inquiry listed on my credit it XXXX appear that im being petty but i was a victim of theft, and this caused me to become frightne i have never applied for credit with this company. dated XX/XX/year>. im asking for removal of inquiry from credit.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo published the benefits of earning 4x points for merchants with XXXX XXXX XXXX XXXX  ( XXXX ). I opened the card to purchase air tickets. I spent almost XXXX dollars to buy air tickets from XXXX XXXX with an XXXX of XXXX. However, Wells Fargo told me that the merchant is a merchant and is not recognized as an airline. When I cross-referenced the XXXX, XXXX, and XXXX XXXX XXXX list, any numbers in XXXX represent individual airlines. Right now, Wells Fargo is not rewarding me almost XXXX points as it advertised due to its old system.
Consumer complaint received 2024-05-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MA)

I am the parent of a student whose loan I XXXX ... After trying to work with Sallie Mae..they refused to o accommodate what I can pay as payments and when I made a verbal agreement with them ... specifically XXXX XXXX... to make a payment of {$260.00} by XX/XX/XXXX XXXX. A few days later she called my daughter and set up a payment of the same amount {$260.00} without telling me or without telling my daughter that I had already set up a payment arrangement!!! Very unscrupulous!! On top of that they are making harassing phonecalls to my other children and daughter in law ... is this legal?
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (NY)

In accordance with fair credit Reporting Act Ally Bank acct # XXXX, has violated my rights Fair Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy ( 15 U. S. code 1681 ( section 604 section 2 ). It also states a consumer reporting agency can not furnish an account without my written instruction sunder 15 U.S. code 1666b a creditor may not treat a late payment on a creditor account under an open end consumer credit plan as late for any purpose.