davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
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. (MD)

Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, Equifax XXXX and ( the consumer reporting agencies in question ), in reference to my initial complaint. In my original complaint, I detailed my dissatisfaction with the credit reporting agencies reporting on my correct spelling of my name, not including my address, transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. I have attached a copy of my original complaint for reference. the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, XXXX has violated my rights under the FCRA and my rights under the Privacy Act of 1974. I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. I request that the Consumer Financial Protection Bureau takes appropriate action to ensure XXXX, XXXX and XXXX complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit accounts. I appreciate your attention to this complaint.
Consumer complaint received 2024-07-08
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: DISCOVER BANK (UT)

Approximately 24 months ago, I cancelled services with XXXX and XXXX. Even though I cancelled services with these companies, they charged my Discover Card in XXXX. In XXXX, I called Discover and opened a Dispute for these charges. I also requested a block on my Discover Card, so these two vendors would not be able to charge my card again. Discover completed the Dispute, and both XXXX and XXXX admitted that they should not have charged my card. The XXXX dispute was found in my favor, and Discover put a block on my card so the vendors would not be able to charge my card again. I was surprised that approximately 12 months after this occurred, both XXXX and XXXX charged my card again in XXXX. Combined, the new charges in XXXX totaled {$380.00}. 

I called Discover and issued another dispute for the new XXXX charges. I explained that I had put a block on the card for these vendors, and that I had a dispute in XXXX in which both vendors accepted liability for the charges. I explained that the vendors were not even supposed to be able to charge my card. 

Discover issued a temporary credit to my card for the new XXXX dispute. Then, Discover issued a permanent credit. However, on my statement that I received in XXXX, XXXX, I saw that the Disputed Charges had been reposted to my account. 

I tried to resolve this with Discover but they are unwilling to address the issue. I do not want to be liable for the {$380.00} charges because ( 1 ) I cancelled these services over 24 months ago, ( 2 ) Both vendors admitted I cancelled the services and accepted liability for the XXXX charges, ( 3 ) Over 12 months ago, I requested a block on the account so neither XXXX or XXXX would be able to charge my card.
Consumer complaint received 2023-04-20
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: National Credit Adjusters, LLC (CA)

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

Account name : NCA, has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C.

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 rep 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 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 hr reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-28
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. (NV)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
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 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 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity theft and I submitted an ID Theft package based on instructions from the FCRA 605B which included a signed FCRA Affidavit, police report and proof of my address and identity. However, all 3 bureus only processed part of my request and left several fraudulent accounts still reporting. They stated that the accounts were verified by the creditor which is impossible!
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX  XXXX XXXX Balance : {$290.00}.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. I insist that you prioritize my case, conduct a comprehensive investigation, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek a clearly defined timeline for resolution and regular updates on the progress of my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As XXXX consumer, XXXX firmly believe that it is my right to have my concerns addressed in a timely and diligent manner. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.

I am willing to extend one final opportunity for you to address my identity theft request. Failure to do so will leave me with no choice but to pursue legal action through the judicial system. In such a scenario, you will be held accountable for the harm inflicted upon my reputation, and credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that the definition of a material fact will become clear during legal proceedings, and you may be required to compensate me for your negligence.
Consumer complaint received 2024-07-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (MO)

According to KIA Finance, our account was closed beginning of XXXX and put into default. 
They then attempted to put it into collections and refused to negotiate with the XXXX XXXX insurance to allow them to receive their check in the mail. 

We received no notice that they had closed the account in the beginning of XXXX, and even received a bill indicating that the regular payment schedule was still configured, giving the illusion that we actually had time. 

We started receiving collection calls from KIA Finance ( XXXX ) requesting the full XXXX balance in full on an account the was never disclosed to us that it was charged off/going to collections 4 days before the bill they sent us was due. 

Based on the original due date of the bill they had mistakenly sent us ( sent XX/XX/XXXX for bill due XX/XX/XXXX ) we even had the check sent out before the payment was due. 

So now they were ignoring our requests for documents and terms of service that allowed them to close an account without notice and continue to send bills as if it was not closed. 

Now they refuse to do a Pay to Delete method to remove their mistake from our credit scores.
Consumer complaint received 2024-01-15
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. (MD)

Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, XXXX Transunion and ( the consumer reporting agencies in question ), in reference to my initial complaint. In my original complaint, I detailed my dissatisfaction with the credit reporting agencies reporting on my correct spelling of my name, not including my address, transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. I have attached a copy of my original complaint for reference. the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, XXXX has violated my rights under the FCRA and my rights under the Privacy Act of 1974. I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. I request that the Consumer Financial Protection Bureau takes appropriate action to ensure XXXX, XXXX and Transunion complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit accounts. I appreciate your attention to this complaint.
Consumer complaint received 2017-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (PA)

I am struggling to pay a car note on a vehicle that is no longer anywhere near the value I currently owe. I did not have the best credit score at the time of the purchase of the vehicle and was provided with an interest rate of 16.95 %. I tried to get other financing at that point but I was denied. The car was sold to me at {$26000.00}. To date I have paid a little over {$22000.00} I have a remaining balance of {$20000.00}. I have not been able to refinance the car due to the XXXX XXXX value being between XXXX XXXX dollars. 

I have requested to get out of this loan many times as I can no longer afford it. I have attempted to get a lower interest rate from my bank however I was denied. 

At the time of the purchase the sales person told me I would be able to trade the car in within 3 years however i am so upside down in this loan no one will take this on. If I am stuck in this loan due to predatory lending I will pay almost double for this car.
Consumer complaint received 2023-05-08
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$2600.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Rental Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Original balance {$2600.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (SC)

XXXX XXXX emailed me on XX/XX/year>, Hey XXXX, your WELLS FARGO needs some attention. I am disappointed with WELLS FARGO stating that I have a CARD SERVICE ACCOUNT needs attention. I HAVE NEVER HAD A CARD SERVICE ACCOUNT FOR A LATE PAYMENT. IT WAS ADDED TO YOUR ACCOUNT FROM WELLS FARGO. I WISH THAT WELLS FARGO WILL GET ALL THEIR INFORMATION CORRECTLY. WHY ARE THEY DOING THIS TO ME? THE ONLY CARD I HAVE EVER HAD WAS A DEBIT CARD. I DO NOT KNOW WHERE WELLS FARGO GOT CARD SERVICE ACCOUNT FROM. I RECEIVED THIS EMAIL FROM XXXX XXXX DATED XX/XX/year>. I JUST SAW IT TODAY XX/XX/year>. THEY SAID IT WAS AN UPDATE : LATE PAYMENT REPOTED TO XXXX. I HAVE NEVER HAD A WELLS FARGO CARD SERVICE ACCOUNT. THANK YOU. HAVE A BLESSED DAY. JUST LETTING YOU KNOW WHAT WELLS FARGO IS STILL DOING TO US. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$24000.00}.
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX has three different dates on my three credit report They have no exact date of my first date of delinquency. I have reported this account was reported late with the original creditor on In XXXX of XXXX and the seven year window for removing this account is XX/XX/XXXX. My XXXX, XXXX. and XXXX all have different dates when this account to he removed. They only have a partial file and do not have the whole credit reporting from the original creditor.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MO)

Hyundai is reporting that I have a closed account on a auto lease with a XXXX balance but is past due since XXXX. The account closed XX/XX/2019. When I spoke to XXXX XXXX they told me it was going to claims. Hyundai tells me they are not showing anything on all 3 of the vehicles we had with them. They told me my credit with them is great and I could walk in and get a car. My credit score went from my usual XXXX to XXXX from XXXX to XXXX.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: RENASANT CORPORATION (TN)

In XXXX weeks time between XXXX XXXX I was charged XXXX overdraft fees for ach transactions that should have been denied! This totaled XXXX in overdraft fees in less than XXXX weeks most on XXXX days