davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
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. (MO)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-11-01
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)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XX/XX/XXXX, I signed papers for the purchase of a XXXX XXXX for my son. I live in XXXX, MI, and my son lives in IL. He went to XXXX XXXX XXXX, in XXXX, IL, and the jeep was sold to us for {$29000.00} with XXXX miles. I did not realize they over charged us until my son tried to refinance the car to get it in his name. The credit union said they could not refinance the jeep for {$25000.00} that was the balance. They said the jeep was only worth {$9000.00}. I am retired and I can not afford to pay this balance on this jeep. Please help me with this problem.
Consumer complaint received 2024-05-10
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 whith the fair credit reporting act XXXX XXXX XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 SECTION602 A. STATESI HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-05-10
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: EQUIFAX, 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belie
ve that the information is inaccurate.
Consumer complaint received 2019-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (CA)

Violation of THE FAIR DEBT COLLECTION PRACTICES. Validation of debts. I have submitted Certified letters of dispute and debt validation letters to Cedar Financial. Once in XXXX of XXXX and again in XX/XX/XXXX. I know through tracking that the letters were received each time, however, I have not heard from the company and every month they raise the balance that I supposedly owed them. They have had several months to gather the information regarding proper debt validation.
Consumer complaint received 2024-05-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (GA)

I have submitted 5 different applications for income driven payments since XX/XX/XXXX. The specific dates I submitted my applications are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( on this date, I submitted 2 separate applications ) ; XX/XX/XXXX. As of the date of this letter I have not been denied or approved for an income driven payment plan. I have contacted Mohela 's customer service line at XXXX five ( 5 ) times in reference to getting this matter resolved and the specific dates I called are as follows ; XXXX XXXX XXXX XXXX XXXX. Today I spoke to XXXX who informed me that my applications above were completed manually on XXXX XXXX XXXX  and there is no status of denied or approved. 
She attempted to reach out to a supervisor just as other agents before her and eventually I hang up because the supervisors either do not respond or I become weary of holding on line to speak with someone. Mohela 's supervisors do not call me back, in spite of verifying all my information including my phone number, physical address and email.
Consumer complaint received 2024-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

The last payment posted by Mohela regarding my account was on XXXX in the amount of {$250.00}. I have made consecutive payments toward my student loans since the mentioned date, but no payments have been posted ; hence, not acknowledge as being received by Mohela. I get emails, calls, and letters reminding me that my account is past due! 
Consecutive payments were made as follows and received by Mohela a few days later : XXXX - {$250.00} XXXX. XXXX Cleared XXXX XXXX - {$680.00} XXXX. XXXX Cleared XXXX XXXX - {$250.00} XXXX. XXXX Cleared XXXX XXXX - {$250.00} XXXX. XXXX Cleared XXXX XXXX - {$480.00} XXXX. XXXX Cleared XXXX XXXX - {$630.00} XXXX. XXXX Cleared XXXX XXXX - {$310.00} XXXX. XXXX Cleared XXXX XXXX - {$310.00} XXXX. XXXX Cleared projected date XXXX. 

Mohela stated that there was a system update and assured me that my account would be updated, but it did not happen to this day. When payments are received from customers they should be posted on the day they were received ( per XXXX XXXX ) ; hence, legit accounting practices. I would have understood if the posting had been delayed for 30 days due to system updates, but five months is even for a governmental/federal entity too long! Please do not allow them to ruin credit standings, and integrity on the scheme of earning interest in their own ( Mohela 's ) bank accounts on payments received by student loan payees. Your help is appreciated and needed before credit scores are ruined by so many in the same situation as I. Very Respectfully, XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

Please be advised that as of XX/XX/2024 as listed on my most recently reviewed on my Chex systems report, there are several frauds/ or unauthorized information that needs to be Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are correct, I have not given Chex systems permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Chex systems resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i have 3 collection accounts on my credit report that have REAPPEARED after being deleted previously. XXXX XXXX is the collection agency appearing on my credit report this account was supposedly purchased from XXXX which was previously deleted from my report. Please have this removed permanently from my report as it has been previously disputed and deleted.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/24 my mortgage company reported false derogatory information to all 3 credit bureaus. Within minutes, I filed disputes with the 3 credit agencies and filed a CFPB claim as well. Within 2 days of the false information hitting my credit report, Bank of America has lowered my total credit limits from XXXX XXXXXXXX to XXXX XXXXXXXX. 

After reaching out to Bofa with no help from anyone, I came here to request assistance. I have worked my entire life ensuring that I need to keep my credit file clean and in good standing. 

Bank of America has chosen to use this false report ( It has already been corrected on all 3 reports and I have a letter from XXXX with an official apology for the mistake ) I have no remedy or recourse in order to be made whole again. I worked years to establish and build my credit lines, banks should at least ensure the information they are acting on is valid! 

I am a consumer who has been taken advantage of, through out a system of inequality. This is gross negligence and is cause for me to reconsider who I bank with. 

Again, Bank of America does not care that the error was a mistake and has stated they do not care to see the document received on company letter head from XXXX issuing an apology for the incorrect reporting to my credit reports.
Consumer complaint received 2024-09-01
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2024-09-02
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. (FL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-10
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

VXXXX 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  The following personal information is incorrect. Please remove it from my credit report
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been banking with bank of America for 37 years. I was a victim of identity fraud on XX/XX/XXXX I live in XXXX XXXX Ca. I feel bank of America isn't doing their part to protect me as a loyal customer. I've spent over 20 hours on their several 800 numbers and in person 3 times at the bank in XXXX, Ca. I did not authorize the use of my name or personal information or the debt on the account. I've been to the BofA XX/XX/XXXXXXXX XXXXro talk to the bank mgr. XXXX XXXX and 2 times after to talk to other reps. I was concerned that they would let these fraudulent charges go through, as the bank didn't file a report until the day after on the XXXX. I have never transferred money from my credit cards to my checking in 37 years, nor know how to. There were several transactions from my checking, to other accounts, to XXXX XXXX and XXXX. The bank told me they would give me a temporary credit on XX/XX/XXXX. They never did and closed the case and I had to reopen it. I am not getting any support and not getting any updates. I need some help. I'm XXXX and want to retire soon and these people took over XXXX XXXX out of my account. I need some help. I've already reported this to the FBI and to identity fraud and my credit report, which is a XXXX. Bank of America isn't valuing me as a customer and giving me the run around.
Consumer complaint received 2024-06-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have asked multiple times over the years for different payment options and all I am given is interest only payments, or full payments. i asked before i filed XXXX could these be included and I was told by the representatives that student loans could not be included in XXXX. My XXXX was cleared and discharged last year. Right now my monthly payment are {$640.00} for the interest only, if I want to be able to have anything applied to the principle, the payments are almost {$900.00} a month. I can not afford this, as the payments right now are financially killing me. 

I was not aware of all the private loans that were taken out when I attended XXXX, this was not explained to me. I was just told, oh you need this much and this much and they applied for the amounts I needed. 

Even until this day, they still tell me I am not eligible for anything, nor have they ever advised me of the Private student loan forgiveness program.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4  ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (OH)

I recently looked at my credit report, and I did notice that there were several and accuracy on my account. These accounts were opened without my permission. I am asking for an investigation into these accounts to ensure that accurate information is reporting on my credit report. The accounts that I am asking you to investigate are listed here. I have attached documentation to support these claims as well. These accounts are hurting my ability to obtain credit and it is my understanding that the bureau will investigate these accounts for me to ensure accuracy. 

I have attached a copy of my FTC report as well. 

XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX
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: EQUIFAX, INC. (CA)

Have leased XXXX vehicles through XXXX XXXX. Flawless payment history until the end of each lease when trading vehicle in for new lease. Both times vehicle was turned in, there were issues with the bank and dealership and payments reported as late. Have tried resolving these issues on multiple occasions. XXXX XXXX XXXX XXXX just says to dispute them on credit report. I have disputed them and no change.

They stated there was a charge off of {$300.00}? Its always at the end of the lease with no other issues during. XXXX XXXX is the only negative remarks on my credit report during my entire life. I have had multiple other vehicles financed and have never missed a payment. Will not be renewing this current lease with XXXX and will never by a XXXX vehicle again. 

While looking into this, I found multiple other people suffering from the same issue with XXXX XXXX. It seems to be a common issue, and I caution anyone to lease a vehicle from XXXX.