davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data branch and may have got into the hands of the wrong person.
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-06-15
Product: Prepaid card — Gift card
Issue: Trouble using the card — Problem adding money
Company: Tango Delta Financial, Inc. (NY)

Dear representatives of Consumer Financial Protection Bureau, I hope you are doing well in XXXX  XXXX, and I hope that you are enjoying the month of XXXX. 

I'm writing to you because I would like to file a complaint against the company Tango Gift Cards. I subscribed to the internet company Starry during the beginning of the year 2022 and they sent me a Tango Gift Card of {$150.00} Dollars through their service. Tango never sent us our gift card that the company sent to them to give it to us. XXXX is a company based in XXXX, Massachusetts. 

XXXXango is making excuses that they sent us the gift card, but this is not true, they never sent us the card and we never used this gift card because we never received it. This is very wrong and dishonest on their part. They are using excuses for not giving us the gift card that we are entitled to. 

I will appreciate your help and cooperation in order to resolve this matter. Feel free to email me at XXXX You can also call me at XXXX. 

Thanks again. 

XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-12-18
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

TSI has been calling me for collections regarding an Auto Insurance Policy with XXXX of Michigan from 2012. I explained that this is not possible and that the policy would have been under my husband who has gone thru Bankruptcy and would have had this discharged. I also explained that this debt was for a [ policy from 2012.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo has denied our claim that {$2900.00} of charges to our credit card were made by someone else. The reason they have denied the claim multiple times is that when we initially reported the charges, which we are 100 % certain are not ours, we indicated that both cards were in our possession. We believed this to be the case as historically this card wasn't used much and never left the house. When we searched the house for both cards we realized one was missing. We reported this information but Wells Fargo has ignored that and continues to insist the charges belong to us. I filed a police report with XXXX XXXX  and thanks to the diligent effort of XXXX XXXX, we have video proof that the card was being used by someone other than me on XX/XX/XXXX at XXXX in XXXX, GA. This thief was in possession of my card and used it from XX/XX/XXXX until XX/XX/XXXX when I realized the problem and XXXX the card. Even with video proof of another person being in possession of my card, Wells is still sticking to their original decision, which is based on both cards being in my possession. We now have video proof showing that wasn't true.
Consumer complaint received 2023-12-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. 

The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. It doesnt cover business debts, and it also doesnt generally cover collection by the original creditor or business you owed money to. Under this rule, a debt collector is presumed to violate federal law if it places telephone calls to a particular person in connection with the collection of a particular debt in either of the following circumstances. The collector calls more than seven times within seven consecutive days. Calling and emailing. The harassment is over the top
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. (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. 


Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX  XXXX Account NumberXXXX has violated my rights. Or 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 2023-12-04
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/2023.
Consumer complaint received 2023-10-28
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. (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. 

XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number XXXX XXXX XXXX Account Number 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 furnish an 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 2023-12-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

The gift card was XXXX $ so I was able to buy something in-store at for XXXX dollars the XXXX of XXXX, XXXX but when I tried to buy something on XXXX on XX/XX/XXXX, the website kept saying declined.
Consumer complaint received 2023-11-08
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 reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. Account : ( XXXX XXXX ) : ( XXXX ) Please remove this account from my credit report.
Consumer complaint received 2023-12-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

I went to XXXX to get a financing through them and thought I was approved after they forced me into agreeing to a down payment of {$3500.00}, which i didn't know was illegal at the time, then they charged me XXXX above market value for the car in hidden fees and didn't provide insurance. But then all of my payments were through XXXX bank online app which I didn't know wasn't XXXX until they started harassing me, putting derogatory marks on my consumer report without my permission and threatening repossession before the " payment was even due '' even though it was financed with a promissory note that I endorsed, and XXXX bank which is only on the XXXX XXXX, while I'm on XXXX XXXX, won't help me at all unless I go into a branch XXXX hours away from my home but they somehow acquired the XXXX and are using it as blackmail to extort ... on top of that, because all the time I've spent trying to cure the losses I've incurred, I havent been able to afford basic necessities like a phone plan, can't afford routine maintenance on the vehicle in mention and my consumer credit report has taken a massive hit because of XXXX actions which has then made every other lender ive contacted for financing deny me my credit... i was at XXXX for maybe XXXX hours before the deal was done and i left with the vehicle and the original documents I have from that interaction dont mention XXXX or any third party at all, if I would've known that it wasn't through XXXX XXXX would've been skeptical let alone its not through XXXX and its XXXX hours east, 2 times zones away ....
Consumer complaint received 2023-12-22
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. (PA)

I'm writing to formally dispute multiple violations by Experian that have infringed upon my rights as outlined in federal laws Under the provisions of 15 usc 1681a ( d ) ( 2 ) ( iii ), Experian has disclosed my information without my consent. This action directly contravenes my rights to privacy as protected by the Privacy Act of 1974, specifically 16 cfr part 313, pertaining to the privacy of consumer data and opt-out notices deny me the opportunity to manage my data and protect my privacy as mandated by federal regulations. 

Moreover, I am contesting the presence of charge offs on my credit report, which charge offs are certificate of indebtedness which is income and must be removed. The inclusion of such items inaccurately reflects on my financial standing and has a detrimental impact on my creditworthiness. 

I am seeking appropriate compensation for the numerous violations committed by Experian, which have caused significant damages and infringed upon my legal rights. Pursuant 15 usc 1681n and 1681o, I request due consideration for the damages incurred due to Experian actions. 

I kindly ask for your assistance and intervention in rectifying these infringements and ensuring that Experian complies with the established federal regulations. Your prompt attention to this matter would be greatly appreciated Thank you for your time and attention to this important issue
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

My student loans are currently serviced through MOHELA. Initially I was on REPAYE plan then transferred to SAVE plan with {$0.00} payment based on IDR information submitted XX/XX/XXXX during the pandemic. I logged online to MOHELA account and saw that my {$0.00} payment changed to {$2500.00} with a due date of XX/XX/XXXX within this past week. I have not received any correspondence regarding this payment amount despite emails from FSA stating that servicers must provide at least 21 day notice. After speaking to MOHELA representative, they stated that they sent email correspondence to my email on file on XX/XX/XXXX although this never made it to my inbox. I requested they resend this information so I have it on file but have yet to receive anything. I requested an extension to the due date as I did not receive adequate notice as I tried to resolved the issue with the incorrect amount being due but was told my only option was to enter forbearance. The representative also stated that my current payment amount of {$2500.00} was the amount if I did not re-certify my income as they did not receive any information from my prior servicer XXXX ( previously automatically transferred from XXXX XXXX ). I provided them with information in the form of mail correspondence from EdFinancial dated XX/XX/XXXX reiterating my approval for REPAYE payment plan which was automatically transitioned to SAVE along with the payment of {$0.00} until recertification on XX/XX/XXXX. I also provided the initial copy of my REPAYE IDR application back in XX/XX/XXXX and associated tax returns. Based on the correspondence from my prior servicer my recertification date would not be until XX/XX/XXXX. I am still being pressured to re-certify my income at this time as they stated this would be my only resolution despite FSA stating that borrowers would not have to recertify until 6 months after repayment start at the earliest. They are stating this is the only option as XXXX did not send over the appropriate documents to transfer the IDR plan to MOHELA. I am still awaiting a resolution to the issue.
Consumer complaint received 2024-06-15
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 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 2024-06-15
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)

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 2023-12-18
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. (MD)

I am writing to formally address my ongoing concern and dissatisfaction with the persistent challenges I have encountered in correcting the late open account information associated with my profile. Despite multiple attempts to rectify this issue through various channels, I am disheartened to report that the problem remains unresolved. 

I initiated the process to address the late open account discrepancies by submitting formal requests through your online platform, contacting your customer service department, and visiting the branch in person. Regrettably, these attempts have not yielded the necessary corrections, and the inaccurate information continues to impact my financial standing. 

The delayed opening of these accounts has caused significant distress, affecting my financial stability and hindering my ability to engage in various financial transactions. Despite my persistence in following the prescribed procedures, the lack of resolution has left me frustrated and concerned about the long-term impact on my creditworthiness. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the reasons behind the delays in opening my accounts and a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to correct this situation, I will be compelled to escalate this matter to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX Balance Owed : {$670.00}.
Consumer complaint received 2024-08-03
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. (CA)

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have attempted to correct this issue with the credit agencies for the pass two years. Each of these companies continue to report inaccurate information that are part of an identity theft. I want the inaccurate information removed promptly according to federal law 15 usc 1681 611 ( 5 ) ( a ).
Consumer complaint received 2023-08-29
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)

I have attempted to correct this issue with the credit agencies for the pass two years. Each of these companies continue to report inaccurate information that are part of an identity theft. I want the inaccurate information removed promptly according to federal law 15 usc 1681 611 ( 5 ) ( a ).