davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am submitting this CFPB complaint requesting to the Credit reporting Agencies to remove or lift the Security Freeze from my Credit File. I ordered an updated copy of my Credit Report and I noticed the Security Freeze and Fraud Alert from my Credit File and I am now requesting that the Credit Bureaus remove the Customer statement from my Credit Report indicating the Fraud Alert and Security Freeze.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (OH)

Ally bought XXXX and required me to make an account with Ally. I have tried about half a dozen times to create an account, but each time, it says I have no account wit Ally. I have called Ally about 8 times and each time they tell me someone is working on it and will call me back. I still have no access to monitor this card 's activity and I have no ability to create an account. They also have no way of contacting them besides a phone number.
Consumer complaint received 2023-08-05
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: Experian Information Solutions 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-08-30
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. (NY)

My rights have been violated numerous of times. 

15 USC 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 602 ( a ) states that I have a right to privacy.

15 U.S.C 1666B : states that A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose Accounts needing correction : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (VA)

I recently legally settled my debt with One Main Financial and started making payments per our agreement- they sold this debt to XXXX XXXX XXXX of XXXX, Va. They immediately showed this as due in full without any mention of my settlement. My sister who is a co-applicant has been diagnosed with XXXX XXXX XXXX XXXX XXXX. This has ruined our credit and we cant pay for her treatments. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX
Consumer complaint received 2022-02-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (KS)

Since XXXX til XXXX graduating I have never been made a payment because I couldn't afford to and they would always put my loan in a forbearance or a deferment. As well as since I graduated in XXXX. I am within 9 years of retiring and will not receive much due to choices I had to make to care for my family. During all this time I filed for bankruptcy twice and was always told that I couldn't include my student loans. I even received student loans in XXXX I was not entitled to per XXXX but yet they still gave me the funds to attend school. I now owe over XXXX. Only XXXX and something in interest. Although I consolidated my loans many times in order to just have one psyment. I have no idea how I'm going to afford this. I have XXXX every two weeks for medication food and gas and it is not always enough especially when a new medication is added for treatment.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LOBEL FINANCIAL CORPORATION (TX)

The company is a scam. You put XXXX down and it doesnt reflect monthly pay or nothing. Car didnt work the first week. Didnt start up nothing. If you check there reviews, every customer is unhappy. This is fraud, and need to be further investigated. I need this off my credit report.
Consumer complaint received 2023-12-05
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. (NJ)

As I was trying to move into another apartment I noticed An Eviction from XXXX XXXX XXXX To my complete and unbiased knowledge ( * National Tenant Network, Rent Reporters * ) has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C. 1681. 
Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction. 
I am expecting a response from you within 14 days from the date you receive this letter. If said documents can not be produced, please delete this eviction from my report immediately.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

XXXX ACCOUNT XXXX XXXX DATE OF LAST ACTIVITY ARE INCORRECT DATE OPENED ARE INCORRECT DATE CLOSED ARE INCORRECT LAST PAYMENT ARE INCORRECT PAYMENT HISTORY ARE INCORRECT Last but not least, I have contacted XXXX XXXX about the charge off and they have sent me my 1099c ( 2022 tax year ). Since this is recognized as taxable income. This account should not continue to report as debt any longer as well.
Consumer complaint received 2023-08-05
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. (TX)

I am rewriting to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account number XXXX, XXXX XXXX  with account number XXXX, XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter. Attached here is the Identity Theft report filled.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-12-30
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. (GA)

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/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 2024-03-29
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-20
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. (CA)

This is my 12th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXXXXXX Balance : {$4000.00}
Consumer complaint received 2023-12-30
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 XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. Section States : No consumer reporting agency my make any consumer report containing any of the following items of information, Any other adverse items information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency the person knows or has reasonable cause to believe the the information is inaccurate.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was scammed by a property management company year of XXXX which I reported to Bank of Americas Customer Service/Fraud Department located in Georgia I informed them of the accurate time lines I could provide to them, detailed conversations I keep via text or email, paper trail ( signed documents ) picture of individual the amount of money that was taken. The total amount was {$3000.00} which I only received less than {$1000.00} back XXXX stated they couldn't do anything in regards to returning the funds where they seen the money pulled out. They filed a dispute without requesting any of the information I provided to help my case! Thereafter a couple of months went by just for them to put my account in the negative/charge off by trying to collect back the money from a temporary hold. Which evidently I didn't have. This also caused my credit card account to go in the negative which I utilized to help my credit score. Both accounts are in collections now! This complete situation caused alot of hardship for me and my children it was our last from my income tax and through the banks negligence me and my family were almost homeless. Customer service in my opinion should go above and beyond for loyal customers such as myself my cause was never reviewed or investigated properly in any fashion. Trusting people are fighting on your behalf in situations like this was not the outcome. After being scammed the bank turns around to take from me again shameful.
Consumer complaint received 2023-12-30
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 XXXX XXXX Account Number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Majority of the information on my XXXX, Equifax, and experience credit report is fraudulent because it's incorrect information and amounts. And also the credit unions are a fourth party creditor. I did not give the third party an Express consent in order for them to put anything on my credit. The contract is between me and XXXX other party and it is against the law for them to send my information to a third party without Express consent. So not only am I trying to get them took off for fraudulent information but to be opt out of their system that I did not give them permission to opt me in due to security breaches that they had within their company that allowed a fifth party to get a hold to my personal information. I believe that this fourth party company that obtained my information illegally is a wrist for my personal information.
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I went to court for a credit card debt with XXXX XXXX also know know as Asset Acceptance XXXX XXXX XXXX and it was thrown out due to me being a XXXX XXXX  not making much money and this debt is from the XXXX XXXX XXXX. This company is now using another collection agency to come after me regarding this debt. I would like for this debt to be removed my credit and not be XXXX by the nor my family members any longer. This debt is over XXXX XXXX XXXX now.
Consumer complaint received 2024-01-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MT)

{$75.00} was scheduled autopay to be taken from my XXXX 's XXXX XXXX credit card on XX/XX/XXXX. I was charged a late fee I called them on XXXX XXXX  XXXX  on XX/XX/XXXX. They could see the auto-ay was set up. They could not explain why it did no go through. They waived the fee but refused to give me an email that this was not reported to the credit bureaus. They also said they " are pretty sure '' the next payment will go through. 

I also have an XXXX XXXX XXXX XXXX XXXX and was hit with a late payment for the same thing -- they did not recognize autopay and hit me with a late fee. I am currently typing this to you as I called them at XXXX XXXX EST sharp and have been on hold for 30+ minutes without a rep even picking up. 

My mom has a XXXX XXXX XXXX as well and had the same thing done. Something is up and I bet they just got a ton of late fees to them that were never supposed to be charged to us. 

Completely unacceptable.
Consumer complaint received 2023-09-22
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)

VERIFY THESE ACCOUNTS THAT HAVE INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
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. (FL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.