davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-27
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. (FL)

Transunion was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2024-05-07
Product: Student loan — Private student loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SLM CORPORATION (CA)

I am writing to file a formal complaint regarding the unauthorized sale of my personal information by Sallie Mae, a matter that directly contravenes the provisions outlined in 15 U.S. Code 1666b. I recently discovered that my personal information, including sensitive financial details, was sold by Sallie Mae without my explicit consent or knowledge. This unauthorized sharing of my information has raised significant concerns about privacy and compliance with federal regulations.

According to 15 U.S. Code 1666b, creditors are required to obtain affirmative consent before disclosing certain types of information to non-affiliated third parties. In this case, Sallie Mae 's actions appear to have violated these regulations, as I did not authorize the sharing or sale of my personal data to any external parties. This breach of trust has not only compromised my privacy but also undermined my confidence in Sallie Mae 's commitment to handling customer information responsibly and in accordance with federal laws. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure compliance and protect consumer rights.
Consumer complaint received 2023-12-12
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit, Inc (IL)

Volkswagen XXXX XXXX  XXXX I buy used car. 
Volkswagen XXXX XXXX XXXX is fraud to me sale this car over priced Plus this car use to lease mileage plus accident front and side. This car fix owner and Volkswagen run car XXXX XXXX XXXXt is not fully run and I buy this car XX/XX/year> and car accident. Generated XX/XX/year> still not reported buy Volkswagen This is completely fraud to me XXXX car XXXX XXXX and I pay loan XXXX I need to fix my problem or decreased my price as fair price because this car they sale as a accident car I need to fully cooperation I f not this case send to customer fraud against Volkswagen Iam trying first to resolve my matter seriously Thanks
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Wealthfront Corporation (NY)

Wealthfront recently had an offer where employees of certain companies, were given an additional 1 % APY boost for the money ( up to $ XXXX ) that was sitting in their individual cash account for 3 months. I referred XXXX people for this ( on XX/XX/XXXX, XX/XX/XXXX and XXXX ) and yet Wealthfront has only rewarded me for XXXX of them. 

What is misleading is that when I login to check the status of my rewards on the rewards page ( see attached ), I see a visual that shows that I am earning " XXXX % APY boost active until XX/XX/XXXX '' which makes sense. However, the same visual also shows that it is possible to earn the XXXX % boost up to 6 months ( with the unshaded grey bar clearly showing a 3 month and 6 month end date ). 

This seems extremely mis-leading and I believe violates a considerable number of terms related to miss-selling. Wealthfront is showing the visual with a 6 month horizon for the 1 % boost but in reality, that offer is capped at 3 months so why would you show a " progress bar '' with a 6 month indicator on it?
Consumer complaint received 2023-02-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-12
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: CITIBANK, N.A. (MI)

My ex-wife fraudulently opened and used a Home Depot credit card. I had an extremely hard time actually talking to a live person in the finance dispute office. In early XXXX I explained I didnt open the card nor did I authorize it. I never used the card. 
I put in a dispute. I Asked to have the card closed. 
I have gotten zero feedback, my credit score continues to DROP because XXXX XXXX keeps showing me as having late payments! I tried to follow up around XXXX the XXXX. I was unable to talk to anyone in the financial department. They sen you thru a bunch of prompts making it virtually impossible to talk to anyone.
Consumer complaint received 2023-12-12
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)

Recently, I did another investigation on all three credit report ( XXXX ) which caused severe XXXX, XXXX stress and trauma upon me and have still found unverifiable, invalidated, inaccurate, and questionable items that their agency didn't make sure was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies are still stating that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies still showing on my report? ACCOUNT ( S ) ARE AS FOLLOWS : Account name : 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 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 IN ACCORDANCE TO FCRA LAWS the above, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (AL)

XX/XX/XXXX It has come to my attention that an Application called XXXX  ( APP ) that I have been using to keep track and pay my credit cards had some technical issues and was not syncing and servicing to 2 of my accounts. This resulted in 3 consecutive missed payments this past year. The App was a bill payer and tracker app which is no longer available on the app store possibly due to issues with more people than myself for the same reason.

I am in the process of moving and trying to secure a new lease for housing for my family and this has greatly affected my credit score as I am told. I would greatly appreciate if I could have these late payments removed from my credit report since this was a technical error with these XXXX accounts. The XXXX app showed that the payments were made on my end but the money apparently never left my bank account to pay the bill. This only happened on 2 of my accounts thankfully but it was difficult to catch the error and wasnt noticed for several months. 

I have listed the accounts below and would ask that these delinquencies be removed to help me secure a new lease for housing for my family. 

# Ally for nurses acct # XXXX missed payments XXXX, XXXX, XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX missed payments XXXX, XXXX XX/XX/XXXX After this error was noticed, I have stopped using the XXXX app and pay my bills directly without a payer/tracker app and all payments have been made on time. 

Please help to assist me with this situation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Ct XXXX, AL XXXX SS # XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (LA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDICO. INC (SD)

On XX/XX/XXXX I have received a letter on my name from the XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, ND XXXX ), stating that they are trying to collect a debt I supposedly owe to XXXX XXXX in the amount of {$320.00} for services on XX/XX/XXXX. I responded back to XXXX XXXX letter advising them it's not my debt, I did not receive any medical services on that date and I am disputing that my name is attached to that debt. I have requested the additional documents proofing that I have received a services but did not pay for them. Otherwise, it's sound very deceptive. 
I also contacted the original creditor XXXX XXXX regarding this issue and received a reply confirming it's not my debt but it's my deceased husband debt who passed away back in XXXX. 
Apparently the XXXX XXXX wants me to clear deceased 's debt by paying them from my personal funds.That 's why they changed deceased ' name on my name as a surviving spouse without any legitimate reasons as I think of.
Consumer complaint received 2023-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have already contacted the creditors who report these Inquiries that I do not recognize and are fraudulent and have already been reported to the fraud department. These are the fraudulent 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
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and Transunion have repeatedly reported inaccurate information on my credit report they have two addresses that i have never lived at and are unmailable addresses. They are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX GA XXXX. AT THIS POINT I WILL BE PURSUING LITIGATION IF ITS NOT REMOVED AND UPDATED ACCORDING TO THE PRIVACY ACT OF XXXXPER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN VERBAL AND NON VERBAL PER 15 USC 6802 TO 6805.
Consumer complaint received 2024-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I have been contacting Mohela since last XXXX. They lost my payments made to Fed loan services, when they put me on the safe program my payment doubled without explanation. I requested in XXXX for a live person to contact me because I could not get a straight answer through the form letters they sent when you write a complaint, they called me in XXXX they had no access to my account or my paperwork. Loans I have paid off that are over XXXX XXXX XXXX are reappearing on my credit and lowering my score. They are being reported as brand new loans even though they have been paid off since XXXX. Their latest transition, The main Mohela side stated that payments would be canceled until XXXX. The new website requested a payment in XXXX when people had not transitioned yet to the new website. It was also said if you paid at the old website it would take up to XXXX days for that payment to be found and applied to your account I then received a financial statement that my payments are going up from {$260.00} to {$2000.00} a month. I am also PSLF and should be down to my last XXXX payments but now the system says I owe XXXX more. I would like to have a person who actually knows what they are doing contact me as my account already as several payments are missing. my loan starts in XXXX so I've had them for XXXX  years, and figure out a way to fix my income driven repayment or save program because there is no way that {$2000.00} will ever be paid monthly that is literally 50 % of my income. Everything stated here is something I have written or called about every single month for at least 10 years and I can never get this fixed.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

transunion is reporting a charged off collection with a third party service i do not have a contract with those third party servicers such as XXXXXXXX XXXX XXXX, and XXXX these are now by law CERTIFICATES OF INDEBTNESS AND IS BEING REPORTED AS INCOME AND ACCORDING TO THE LAW THIS IS ILLEGAL I HAVE NO LIABILITY TO ANY THIRD PARTY COLLECTOR I WOULD LIKE FOR THOSE TWO COMPANIES TO PROVIDE ME WITH AN ORIGINAL CONTRACT BETWEEN US THAT PROVES WE HAD AN AGGREEMENT.
Consumer complaint received 2023-07-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (OH)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 Per section 609 , I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 





Sincerely, XXXX XXXX.
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (NY)

I notice that they are still continuously reporting these incorrect and invalid accounts from my newly updated credit report. I have never failed to mention this with the financial consulting agencies that these shouldnt be included on my credit history. They cant even send me any valid proof that I owned these accounts. 

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 2020-04-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

I have been calling XXXX at XXXX, to get a card mailed out to me so I can receive my housing utility benefits from section XXXX housing I have been calling every day non-stop multiple times a day since XX/XX/2020, I sometimes spend my whole day trying to get through to someone. They have me listening to the music for over an hour when I can finally get past the operator stating that the line is busy. Then after me listening to the music as stated for an hour-long or more they end the call or they answer without saying hello or anything and just hold the phone. I need that money to pay my bills.
Consumer complaint received 2023-12-12
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 have sent multiple letter to Transunion requesting the information needed as to why they are allowing the creditor ( XXXX XXXX XXXX XXXX ) to furnish two late payments that I have shown proof that the creditor is doing unlawful acts. Its not lawful to post a late payment without providing proof that the creditor sent the consumer ( ME ) a periodic statement along with the disclosures from section 1637 ( b ) 21 days before said due date.

I have attached a letter I have written out to express my frustrations using consumer law facts. My information and everything needed to pull up my credit report will be included in said letter. 

You guys are violating my rights!!!
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LD Holdings Group, LLC (MT)

I am receiving daily calls, multiple times throughout the day, sometimes over 10 calls from Loan Depot, XXXX and XXXX about debt and loans. It has been going on for months. Not only do they have the wrong number they have been harrasing me regularly asking for someone with a different name than me.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.