davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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. (MS)

This is my 3rd request for written documentation showing my signature on a XXXX form that gives my written premission to obtain these accounts. The credit agency did not follow through with the provided information, instead they sent a letter saying the account was verified as accuarate but failed to say what method was used to verify these accounts as accuarate. Which now the credit agency has violate the terms and law of 15 US code 1681 which is accurancy and fairness. The information provided by mail from Credit reporting agency does not show ACCURACY or FAIRNESS investigation and is a direct violation which therefore must be deleted within 4 days or I will be forced to file civil and hold the credit reporting agency in violation of my consumer rights. Please remove the following accounts as I had stated before, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please follow and don't continue to violate my right as a consumer and remove the accounts as states in 15 us code 1681c-2
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I check my credit report and saw these 2 accounts being reported as late payments even if I always pay on time. I wanted these accounts to be investigated and delete the Late payment notice since I was not late and this is a violation of my rights. Below are the accounts appearing : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (IL)

I reviewed my checking account bank statement from  TCF Bank  and I saw several unauthorized charges to a  XXXX  accoun t (   XXXX   XXXX   XXXX   transit card ). They were small in dollar totals,  XXXX  a charge and when I reviewed older statements I saw these charges several times dating back to  XXXX  of   XXXX  . Although it never made me bounce a check I inquired a t TCF what these charges were for and the very nice teller stated when TCF sent out new debt cards they were linked to public transit. I asked when was I opt-in to this service and I was told I did n't, it was mention in the disclosure of the new debt card. I would love to know how much money TCF has made in over draft/NSF charges by others not knowing their debt card was being hit with a charge every time they boarded a train or bus. This seems to be a very clear UDAAP violation by not telling us, the TCF customer, about thi s service.
Consumer complaint received 2023-10-20
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. (TX)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2018-05-08
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: DISCOVER BANK (CA)

XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an account opened with Discover Bank XX/XX/XXXX using her information without her consent. A formal dispute of this account was sent to Discover Bank XX/XX/XXXX and as of this date Discover has failed to reply to the outcome of the dispute/investigation. This is a violation of the FCRA and my client 's consumer rights.
Consumer complaint received 2023-10-20
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)

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. 
XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Company has violated my rights,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1681n - Civil liability for willful noncompliance, as well as my SCRA rights.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account XXXX : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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. ( 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 2023-10-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P. (AZ)

I am in need of help because I am being harassed by a debt collector who repeatedly is calling me after I told them that it was inconvenient time to call me, but they didnt stop there. I have a recording of them telling me that I was a bad time to call and I also have screenshots of them calling at the same time making me feel uncomfortable then they called my job and my employer and that was the last straw. I looked up this law 15 USC 1692, which is in the FDCPA and section 69 to see a one. It says any unusual time or place known What should be known to be a convenient to the consumer is the absence of knowledge circumstances on the contrary, a debt collector, so assume that a convenient time for communicating with the consumer is after XXXX XXXX, and before XXXX XXXX post to XXXX local time at the consumers location which means that if I told him its not a good time they should not call me back those are convenient. Plus they shouldnt call my employer, which also violated under FDCPA. 
I am writing to express my deep concern and dissatisfaction regarding the conduct of a collection agency that has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and has negatively impacted my credit history. 
15 U.S. Code 1692c - Communication in connection with debt collection I dispute the illegal actions taken by LVNV FUNDING and the inaccuracies they have reported on my credit report. The specific concerns I have are as follows : Violation of FDCPA : LVNV FUNDING has engaged in actions that may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 1692c ( a ) ( 1 ). They have contacted my employer regarding my debt without my consent, a direct violation of this federal law. This violation is supported by relevant case law. For instance, the case of XXXX XXXX XXXX, XXXX, Defendant.

Case No. : XXXX ] highlighted the importance of adhering to the FDCPA and respecting consumer rights. In this case, it was ruled that debt collectors must not contact a consumer 's employer without consent. This serves as an example of the legal precedence set in cases where credit reporting inaccuracies led to negative consequences for the consumer. This case reinforces the importance of accurate reporting by debt collectors and credit bureaus. 
I have taken appropriate steps by disputing this with the collection agency directly. 
However, I am writing to you, as a credit reporting agency, to request your assistance in investigating this matter and ensuring the accuracy and fairness of my credit report. 
I kindly request that you : Conduct an independent investigation into the accuracy of the information provided by XXXX XXXX I demand the following accounts be verified or removed immediately. 

XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX in connection with debt collection
Consumer complaint received 2023-10-20
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an educational installment account that has become a collections item and is significantly impacting my credit report. This collections account is identified as " XXXX XXXX XXXX. '' The presence of this account on my credit report has caused substantial financial and personal distress, limiting my ability to achieve my financial goals and secure funding. 

I became aware of the collections account " XXXX XXXX XXXX '' when I reviewed my credit report. This account had a profoundly negative impact on my credit score, and I have no prior knowledge of its existence. The account 's presence has made it extremely challenging for me to obtain financing on favorable terms, pursue my educational and career goals, and secure funding for various personal and professional endeavors.
Consumer complaint received 2024-04-05
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

The paragraph below in quotes, taken from your response to our complaint is not fully accurate and if you look farther back on the account your representative should have made a note of the call in which they called our credit union.One of your customer service representatives did call our bank while we waited to be conferenced in, but she returned to the line and told us that our credit union does n't validate accounts over the phone. So, when we were asked again to do this on    XXXX   XXXX   XXXX      we provided the information that was provided to us previously by your customer service rep.     PARAGRAPH FROM YOUR RESPONSE " You mentioned in your complaint that you would like an alternative solution because you are unable to provide the previously requested documentation. On    XXXX   XXXX   XXXX     , during a phone conversation, we offered to do a conference call with the bank to verify ownership of the bank account used for payments. At this time, you declined our offer by advising your bank will not verify information over the phone. '' It has also already been explained to you that the following items are not something we can provide and if you reference previous letters from us, it explains why. So, you are still not providing a solution that is anything that we can provide, because we are n't given those things to provide! If you do n't believe it, then call the credit union and ask them!!!     Items you are requiring to validate account.   A bank statement, voided check or deposit slip from  XXXX   XXXX   XXXX   XXXX  that includes the full account number and name
Consumer complaint received 2023-06-22
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. 

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 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

My student loans were previously at XXXX, but then transferred to Mohela. I sent a message regarding this to Mohela on XX/XX/XXXX, and still have not heard any response. 

In summary, the listed payment due on Mohela XX/XX/XXXX and the billing statement sent to me on XX/XX/XXXX is WRONG. It listed payment due of {$4800.00} - ( which looks like it was calculated based on standard 10 year repayment program ) Even though I am enrolled in XXXX, which then was switched to SAVE. 

I had recertified my income on XX/XX/XXXX while my loans were with XXXX- even though I was not required to recertify from ( XXXX - XXXX ) given federal pause. Meaning I am still in income driven repayment plan and up-to-date with recertification guidelines. And have a documentation from XXXX and US Department of Education that my payments should be {$0.00} based on income, and have upload this document to my Mohela account. Despite this, there has been XXXX communication and updates to my account. 

Mohela needs to update my monthly payment in their system, and not charge any unpaid interest due to SAVE program guidelines.
Consumer complaint received 2023-10-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK (NY)

Discover Student Loans continues to harass me for payments that I am unable to make, and has provided no manageable repayment options that fit my financial needs. I took out a small student loan of about {$13000.00} with Discover to supplement my federal loan package in order to complete my XXXX XXXX XXXX. Unfortunately, I finished my program at the same time the XXXX pandemic was starting, and I have been unable to get a job in my field of study to-date. I have explained this to Discover Student Loan representatives, they offered me a 6 month period of forbearance, and informed me that they would re-evaluate my repayment options once this period ended. When the period ended, they did not offer me any repayment options that were matched my financial circumstances. They told me that I could opt for interest-only payments, but this was still above $ XXXX, and I told them I do not have any disposable income to allocate for this. My financial circumstances are such that I am currently receiving food stamps and XXXX in order to make ends meet. I have had this conversation with multiple representatives from Discover Student Loans, and they apologize but tell me there are no other options. They continue to call me from various phone numbers multiple times a day, including weekends -- I have received calls even while attending church on Sundays. I have asked them to stop multiple times, telling them that I can not make payments and their harassment is causing an undue burden of stress that has severely impacted my mental health and job search ability. They do not care and I am left feeling hopeless with a useless XXXX XXXX and a private student loan that has ballooned to almost {$20000.00} with all of the late fees and accrued interest.
Consumer complaint received 2023-06-18
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: Experian Information Solutions Inc. (TX)

I submitted dispute to XXXX, XXXX and Experian - Verify and delete aged debt, XXXX & XXXX XXXX XXXX The debt it is the same debt. It has been reported multiple years inaccurately since XXXX. 
*********************************************************************************** RESULTS : XXXX - Deleted Both FILES : XXXX : XXXX- DELETED XXXX XXXX XXXX XXXX DELETED **************************************************************************************** The RESULTS other two did not delete the files : XXXX : only removed XXXX XXXX XXXX XXXX UPDATED XXXX I have connected and file dispute XXXX XX/XX/XXXX and reinvestigation with Experian did not yield any results. It was difficult for dispute. 
******************************************************************* **RESULTS XXXX : ______ ** XXXX XXXX XXXX XXXX ** XXXX DELETED XXXX XXXX I submitted the disputes and reinvestigation. 
****************************************************************************** Section 1681e ( b ) of the FCRA requires credit reporting agencies, like Experian, XXXX to follow reasonable procedures to assure maximum possible accuracy of the information in consumer credit reports. They are violating my rights.
Consumer complaint received 2023-10-20
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. (NC)

Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.