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

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2024-08-31
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. (CA)

fraud, identity theft to be taken off : credit report showing someone using a Nebraska Identification card, and inquiries unknown, misc stuff coming up on credit report not done by me. personal information also listed wrong, phone numbers, addresses, spelling of name etc.
Consumer complaint received 2016-08-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: COAST PROFESSIONAL INC (VI)

My daughter attended XXXX College in Florida. We applied for the XXXX XXXX and we were offer XXXX Loans the principal bal was {$5300.00}. I am presently paying XXXX monthly here is another company call XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a loan there principal balance is {$5900.00} which is about the same amount I am paying XXXX Loan. The loan that XXXX XXXX XXXX XXXX is trying to collect is the same loan I am paying XXXX Loan. I was told by XXXX of the financial aid rep. they had sold the loan. This is the company that is trying collect. What can be done to rectify this matter. I only obtained approximately {$5000.00} worth XXXX loans for the short time I attended XXXX. The company that is trying to collect this loan Coast Professional , Inc., The XXXX XXXX XXXX XXXX. My contact information is XXXXXXXXXXXX or XXXX, I look forward to hearing from you.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-13
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. (VA)

Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent ACCOUNTS and inquiries on my XXXX credit report THE ACCOUNTS ARE un accurate And By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to furnish this account Without proof of Written consent
Consumer complaint received 2023-09-17
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. (TX)

It has come to my attention that TransUnion and other Creditors have been violating my consumer rights by reporting Collection/Charge-Offs and other derogatory information on my consumer report such as. 

XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX Account # : XXXXXXXX XXXX XXXX ACCOUNT # : XXXX 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included in the consumer report. Yet TransUnion is reporting this information. The reporting excludes information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 Compliance. I need the transactions reporting as Late, Collection/Charge-Offs status, and any other derogatory information deleted from my consumer report effective immediately. 

Before you reply to this complaint. I want to make this clear I am not asking you to Validate or Verify anything. So please do not waste my valuable time with stall tactics.

Some of the negative accounts have been placed in Collection/Charge-Off Status without mailing me a copy of the IRS Form 1099-C Cancellation of Debt. TransUnion and The creditors reporting Collections/Charge-Offs, Late Payments/other derogatory information in my consumer report are in violation of 26 USC 6050P Returns relating to the cancellation of indebtedness by certain entities.
Consumer complaint received 2023-08-03
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (FL)

My loans were appt for waiver XXXX XXXX. The department of education said the servicer has to waive them by XX/XX/2024. 

The servicer ED Financial is attempting to circumvent the supreme court ruling by sending loan holders on a wild goose chase. 

Call representatives tell there are no supervisor during their shifts to answer consumer concerns. You are then told you MUST schedule a supervisor call back but no one ever calls. They do enter the call back in the system apparently. This is poor customer service but as this relate to a large debt it is also crippling to customers.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear XXXX : This is a Self-Attestation that I am a victim of trafficking.. The information listed below, which appears on my credit report, is the result of that trafficking. 
These fraudulent accounts consist of a Auto loan account opened XXXX XXXX XXXX XXXX XX/XX/XXXX, another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as well as personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. An personal loan opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX an personal loan with XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXX 2020
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I am not aware of where this came from. My data was leaked from XXXX XXXX ( they publicly acknowledged it ) and I am XXXX XXXX XXXX and my SSN is exposed to hundreds if not thousands of people.
Consumer complaint received 2024-02-29
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: Experian Information Solutions 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 2 out of 3 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
Consumer complaint received 2023-09-17
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. (VA)

Inquiries - XXXX XXXX XXXX ( Bank ) /XXXX  XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) It is my belief and information, that these inquiries are a rush to judgement and is a violation of my constitutionally protected rights. Please validate this claim signed with a wet signature by a man or woman under penalty of perjury.
Consumer complaint received 2023-12-18
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP. (MS)

I spoke to a supervisor who was named XXXX I told him I wanted to pay XXXX $ and that the rest of the XXXX payment would be payed on XX/XX/XXXX. He refused to honor my request based on a medical issue I had got behind 2 weeks. I then was hung up on after speaking with XXXX and I called back to verify my payment of XXXX $ was made. XXXX told me that my payment was put in but that I was not allowed good faith payments. Refused to listen constantly talking over me loudly in a predatory manner. Would not hear me out. Even tho I asserted I did not feel comfortable answering any more questions she repeatedly berated me about my payment basically telling me that my rights dont matter. I feel XXXX and XXXX are both discriminating against me for a medical issue. XXXX in the conversation did I feel like the customer she told me over and over there is no such thing as a good faith payment.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 informationisinaccurate.
Consumer complaint received 2024-05-11
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: Experian Information Solutions Inc. (FL)

I want XXXX XXXXXXXX to reduce the amount owed and report it to the credit bureau the correct amount. The fact that they have refused to acknowledge my payment and report accurately is a violation of my rights 15 U.S.C 1681 The fair credit reporting act finds them committing several violations. XXXX dollars was paid towards a balance. The representative saw the proof that i submitted in the last complaint and has decided to ignore this and it is against the law stated above. So I demand cooperation from XXXX XXXXXXXX or I will seek compensation for the violations Especially my credit score dropping XXXX points for their illegal actions against my credit worthiness at the very bottom of the picture proof attachment you see the payment of XXXX dollars was received
Consumer complaint received 2023-09-17
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. (TN)

I am writing to address a late payment charge on my account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to consumer protection guidelines : A creditor can not mark a payment as late on a credit card account from an open-ended credit plan unless the creditor has taken appropriate measures to ensure that every statement, inclusive of the necessary details mandated by section 1637 ( b ), is sent to the consumer a minimum of 21 days prior to the due date.

Furthermore, if a credit plan offers a grace period where I can settle any portion of the extended credit without additional finance charges, such charges should not apply to that portion of the credit for that billing cycle. This is valid only if the statement, detailing the basis of the finance charge for that period, was received by the consumer at least 21 days before the specified due date for avoiding the finance charge. 

Given the above provisions, I request that you review my account and verify whether the statement for XX/XX/2022 was indeed dispatched to me at least 21 days before the payment due date. If it wasn't, I respectfully ask for a reversal of the late payment charge in accordance with the above guidelines.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Spring Oaks Capital, LLC (GA)

My consumer rights are being violated by Spring Oak Capital they obtained my information from a 3rd party without my consent and my privacy rights are being breached. I sent a letter to Spring Oak Captial on XX/XX/XXXX asking them to cease and desist the sharing of my information with other 3rd parites. They fraudlent obtained and shared my information with credit reporting agencies. I reserve all right to the rights of my privacy, Privacy Act of 1974. Furthermore the may have violated others Acts as well.

Fair Debt Collection Practices Act ( FDCPA ) : The Fair Debt Collection Practices Act prohibits debt collectors from using deceptive, unfair, or abusive practices in the collection of debts. Obtaining personal information from a third party without the debtor 's consent may be deemed as an unfair practice under this act. 

Gramm-Leach-Bliley Act ( GLBA ) : The Gramm-Leach-Bliley Act protects the privacy of consumer financial information. Unauthorized access to and acquisition of nonpublic personal information without consent is a violation of this act.

Right to Financial Privacy Act ( RFPA ) : The Right to Financial Privacy Act protects the confidentiality of personal financial records. The unauthorized acquisition of my financial information without my consent is a breach of this act.
Consumer complaint received 2024-05-11
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. (AL)

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 informationisinaccurate.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

It's a point of pride for me that I consistently pay my bills on time. Yet, it's concerning that this company sometimes marks me as late in certain months, which is inconsistent with my record. USC 1666b mandates that any billing discrepancies should be promptly corrected and updated to show payment as agreed.
Consumer complaint received 2024-05-11
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 informationisinaccurate.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My credit score was XXXX and then I got a alert saying that XXXX points drop off my credit score cause a inquiry was on my credit score cause a account was placed on XX/XX/year> that I had a account open for capital one for a credit card that I never received or signed up for so I called Capital One and they said they would cancel it out and to let XXXX bureau to know that there was a fraud report and that they capital one is going to cancel the card and account so I called XXXX bureau and they told me to make a report on www.ftc.gov and here I am making a report to get my points back on my credit score please and thank you.
Consumer complaint received 2023-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

To Whom It May Concern, I am writing regarding Paypal 's user interface and security, specifically the log in interface. When the mobile app is first opened, there is an option to " Text a one-time code. '' Similarly when one goes to the sign in page on the Paypal website, there is an option to " Log in with a one-time code '' that is sent via text. Electing this option would allow the user to log in using only the code that is sent, thereby allowing whomever has the code to access the Paypal account even if they do not know the account password. 

I believe this feature is a significant security flaw in that it allows anybody with access to the user 's phone or text messages to be able to log in to that person 's Paypal account without requiring the password, and there is not a readily available ability to disable this option in the account settings. 

A password and/or biometric verification should ALWAYS be required to log in. I am not sure why such a feature allowing sign-in solely via text message would be allowed, and more importantly if it is allowed, why such a feature is not able to at least be disabled at the user 's election. 

As you can see from this post on Paypal 's user forums ( XXXX : XXXX ), there are many users complaining about the same issue, and it does not appear as if Paypal has done anything to remove the feature in question. 

Please direct them to remove at once the ability to log in solely via text message verification ( and without password or biometric verification ), given the significant security risk that this poses. 

Thank you.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This account has remained unchanged on my report for years after continued attempts at successful disputes. My most recent dispute has now triggered for this account to be marked as collections in XX/XX/XXXX when this accouunt was CLOSED AND PAID IN XXXX. I am asking that this account be REMOVED IMMEDIATELY AND ENTIRELY AS IT IS NOT REPORTING ACCURATE INFORMATION WHICH IS A DIRECT VIOLATION OF MY FEDERAL FAIR CREDIT REPORTING RIGHTS. The state that I reside in, North Carolina also has a set of credit reporting guidelines that collections can only report for THREE YEARS. This account MUST be removed from my report IMMEDIATELY.