davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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. (IL)

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 information is inaccurate.
Consumer complaint received 2023-09-26
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. (IL)

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 information is inaccurate.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-14
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights a. 15 U.s.c 1681 section 602 A. States I have the right to privacy b. 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
Consumer complaint received 2023-09-26
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. (LA)

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 information is inaccurate.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

on XXXX XXXX, 2024 at XXXX I deposited 3 checks in total sum of {$4500.00}. this deposit was made at Chase bank XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, IL. 
this amount was never deposited in my business account. On Monday XXXX XXXX, 2024, I visited the bank and discussed the problem with the bank manager. I was told that due to computer issues on the date of deposit, some deposits had to be verified and that by Wednesday XXXX XXXX, 2024 my deposit should be in my account. As of the time of this complaint, there has been no activity on my checking account. I have attempted twice to contact the bank and have left two messages, and have not received any call back. 

I have a small business and need these funds to operate my business.
Consumer complaint received 2023-11-09
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. (NJ)

these hard inquiries are fraudulent and dont belong to me and need to be removed thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion is showing that I owe {$240.00} to XXXX XXXX, causing the credit rating to drop XXXX points. 
I filed a dispute, and my credit score went back to normal, only to fall back down XXXX points again when XXXX XXXX reported the original information as correct. 

On XXXX, the account was paid in FULL. ( {$240.00} ) On XXXX XXXX XXXX reported that I was in debt for {$240.00} I took a XXXX pint hit I filed a dispute with both Transunion and XXXX  On XXXX I was notified by the XXXX  that XXXX XXXX would respond in writing, On XXXX Transunion updated my report XXXX pint increase. The {$240.00} was taken off my report. 
On XXXX Transunion updated my report showed a XXXX point decrease, and the {$240.00} owed was back on my report. 
On XXXX I filed another dispute with Transunion over the phone, and have to mail my evidence that it was paid. 
As of XXXX I have not received a response from XXXX XXXX.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-05-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (CA)

Here are a few things Id like to bring to your attention regarding my loans and Sallie Maes business practices. 

My parents had government/federal Sallie Mae loans when they went to college. When it was my turn to apply, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  listed Sallie Mae as a preferred lender. We assumed these were the same federal loans, with low-interest rates, and fair income-based repayment plans that my parents had. With Sallie Maes calculated privatization ( and name change to XXXX ), I argue that the company misrepresented to myself and my co-signer ( father ) that these were federal loans. 

I now know that what I have with Sallie Mae is a private variable rate student loan, because that's what they say I have. However, my cosigner and I have no promissory note or contract within our accounts or emails that stipulate the terms of the loan agreement. My interest rate is now at 15.5 % on each of my loans. When I spoke to multiple Sallie Mae customer services reps today they were unable to provide my initial interest rate, or my variable agreed-upon interest rate range. The first rep told me, " there is no cap on a variable interest rate loan with Sallie Mae '' ( where does it end?! ). The second told me, " I'm pretty sure there is a cap, but I'm not sure what it is ''. When asked to provide that information from a manager, or to send the initial signed contract between the two parties, they said they would need a few days to find it. That is simply unacceptable. My current perspective is that there is no agreement between the two parties, and they have yet to prove otherwise. Additionally, they are unwilling to help me with a fixed-rate program or consolidation, and I have no other options than to pay a principal and interest rate that is above what I can afford. In the past I've been shifted to an income-driven repayment plan, but with Sallie Mae what that means is that I make interest-only payments that don't even total the full interest. So, at the end of the program I'm in the exact same place I started.

All in all, I have first-hand experience that Sallie Mae is guilty of predatory lending and misrepresenting company/loan information to its borrowers. Sallie Mae/Navient companies are engaging in unlawful and deceptive business practices, as indicated by the class action case & settlement against XXXX this year.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AVANTE (SC)

On XX/XX/XXXX, my credit score went down by XXXX points. My research found that two different companies were reporting brand-new collection/charge-off accounts to the bureaus around the dates of XX/XX/XXXX, to XX/XX/XXXX. The companies are XXXX XXXX XXXX and AVANTE USA. They both claim the debt originates from the same medical entity but all other information from there does not match. XXXX XXXX XXXX reported a debt of {$980.00}, with an opening date of XX/XX/XXXX. AVANTE USA reported a debt of {$860.00}, with an opening date of XX/XX/XXXX. When I attempted to verify this information directly through the medical entity, they were unable to match my information to anything in their system. 

On XX/XX/XXXX, I was granted financial assistance for my medical bills. Any medical debt that I owed was settled or was incorporated into a payment plan, to which I have been paying per my schedule. This in and of itself proves the debt from AVANTE USA is false, as they are alleging the account became delinquent after I was granted assistance. 

I have not received any form of written communication from AVANTE USA or XXXX XXXX XXXX informing me of this alleged debt and the details. Likewise, I was not given any notification that anything was going to be reported to my credit as collections or charge off. I can not help but feel that being granted financial assistance is being used as a leverage point against me. This is causing me extreme stress and upset as my credit score has gone down so severely.
Consumer complaint received 2023-08-25
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. (GA)

I am a victim of identity theft. I filed the correct paperwork per the FCRA and sent it with my dispute to the credit agencies to remove the accounts. They did not attach the paperwork properly and did not follow the law. And I was not given copies of the verification process like the FCRA says Im supposed to get.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (IL)

Hello CFPB, recently filed a fraud claim with Ally bank because i lost my debit card and they basically closed my account and refunded me {$24.00} out of the XXXX that was stolen from my account. All transactions happened at the same merchant, same time of day but they only credit me the {$24.00} from the fraud transactions and proceeded to withdrawal the other credits from my account. Not sure how this even makes sense when every single transaction happened at the same place literally. 

This banks customer service is actually really good but this is obvious fraud that needs to be looked at again, i refuse to let this go.
Consumer complaint received 2024-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

I requested debt validation never received any information. 
The original debt was with XXXX XXXX Debt was sold to Jefferson capital systems acct # XXXX I dispute this debt XXXX XXXX  ok Wrote this debt off as a loss for tax purposes & reported to the IRS as canceled debt. This debt is no longer valid. Please refer to internal revenue code IRC section 6050p & fair credit reporting act FCRA section 611 which supports my dispute
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (WA)

I applied for a XXXX XXXX credit card from Barclay Bank barclaycard. They sent an electronic request for additional information including my DL, SS card and a utility bill. I sent them by DL, SS card and my XXXX internet bill. Days later I received a letter asking for my DL, SS card and a utility bill. I ignored the letter because it asked for the information I had just sent. I didn't hear anything from Barclay Bank barclaycard for months. When I called to ask about the status of my application XXXX agent said it was denied. I asked for a letter on why I was denied. The next agent I was transferred to explained further. Barclay does not accept XXXX as a utility bill. The second request I received didn't make this clear and I did not respond ask I thought I had fulfilled their request. To Barclay Bank barclaycard I simply did not respond to their request for information and therefor I was not denied credit. I did not get a letter stating that my application was no longer being considered. 

At the very least Barclay Bank barclaycard should have sent me a letter stating that my app was no longer under consideration, even if they don't consider it a denial of credit. 

My credit score took a hit when they made a hard inquiry and they didn't even have the courtesy to let me know they were screwing me over. 

My application was denied for insufficient documentation. I should have received a letter and a chance to respond or cure.
Consumer complaint received 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I am a current masters student who is also employed full time w a 501c3 nonprofit. I have told them I plan to continue making payments while in school to have qualifying payments applied to XXXX XXXX loans. have called MOHELA consistently between XX/XX/year> and now. Requested to be removed from in school deferment XX/XX/year>. I was not advised I was on in school deferement. XXXX at XXXX said that she would remove it and adjust my payment count backdated to XX/XX/year>. 

I am now being advised my payments Ive made since XX/XX/year> will not count towards PSLF because I have been on in school deferment since then because I did not fill out a waiver form. However Im now being told that the form no longer exists and can only make a verbal request? Doesnt make sense. At no point did MOHELA notify me my in school deferment was removed. I have made monthly payments since XX/XX/year> I was also advised certain months I was on a processing forbearance which means those months will not count towards payments. I was told administrative forbearance those payments would count. I have not been advised which months were in either of these forbearances and they continued to collect payments while not advising me of my forbearance status.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (NV)

My account with UPSTART XXXX  was never late! I have had exceptional payment history with UPSTART XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


UPSTART XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-25
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX Has violated my rights XXXX XXXX, Has Violated my rights XXXX XXXX, Has violated my rights XXXX XXXX, 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 a account without my written instructions
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: CBC Companies, Inc. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect (WV)

I keep getting repeated calls from different numbers because I keep blocking their number everytime they call me so they just keep calling from different numbers multiple times a day. The company is AMERICOLLECT. Theres more times that AMERICOLLECT has called me but my call log doesnt have it they were calling multiple times a day and week
Consumer complaint received 2024-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

I was placed in an Administrative Forbearance in XX/XX/XXXX. My account showed " Loan Status : Forbearance '' and " Status End Date : XXXX '' on the website and via MOHELA 's phone tree from XX/XX/XXXX until Late XXXX. Despite this, the account updated mid XXXX to show a payment due in XXXX, while simultaneously showing the forbearance status ( screen shots provided ). 

Unable to reach the by phone, I made the payment and then requested they fix the status and process a refund vie their email option on XX/XX/XXXX. They responded on XX/XX/XXXX confirming the error and stating that a refund would be processed in 60 days. 

I called to check on this refund today, XX/XX/XXXX as it has been over 60 days and I had seen no sign of the refund. At first the rep confirmed it was being processed but, when I asked for details, they admitted the refund had been cancelled as " it would cause a delinquency ''. I have not missed any payment ( XXXX was submitted 4 days late as I was waiting for them to send my refund but in no way am I delinquent ). 

Not only did they improperly and dishonestly cancel this refund, they did so without notifying me despite confirming the refund in writing
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.