davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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. (GA)

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 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
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (NC)

XXXX XXXX I have paid my payments XXXX days early. Instead of being charged less interest I am being charged more. On numerous occasions I have inquired about my payments not being applied on the date I pay. GLS has been charging me enormous amounts of interest that are not consistent with me paying early. XXXX payment included XXXX. They took have of the money {$500.00} plu and applied it toward interest. 
This practice is causing my balance to decrease VERY slowly. 
Of the $ XXXX that I have currently paid, less than {$2200.00} has been applied to my vehicle. This practice appears to be purposeful. And it equates to more than 17 % interest per month.
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report XXXX  XXXX XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX*15 U.S.C. 6802XXXX  - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) XXXX - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-10-30
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. (NC)

I have recently discovered that 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. The account starting in XXXX XXXX XXXX XXXX XXXX XXXX are the accounts in question. Knowing that 15 USC 1681 section 602 A : states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions, neither allowing by act 15 U.S.C 1681c. ( a ) ( 5 ) stating 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. Lastly and ultimately, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CO)

I had a gym membership last summer and after a car accident I had to cancel it. I contacted the actual gym staff including the XXXX to cancel my account which I did and was able to without trouble. Then Aldous and Associates start bombarding me with cryptic vague calls and voicemails. I speak to them to resolve the issue and they tell me I need to send a letter to dispute this so I do. A few weeks later I contact XXXX and Aldous and get cleared on both ends end of story. Now theyre calling me out of nowhere again, being rude over the phone and saying I never contacted them.
Consumer complaint received 2023-10-30
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. (NC)

I have recently discovered that 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. The account starting in XXXX XXXX XXXX XXXX XXXX XXXX, are the accounts in question. Knowing that 15 USC 1681 section 602 A : states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions, neither allowing by act 15 U.S.C 1681c. ( a ) ( 5 ) stating 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. Lastly and ultimately, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

UPON ME REVEIWING MY CREDIT REPORTS I DISCOVERED AN ACCOUNT ON MY REPORT THAT IS NOT MINE. I NOTICE ON XXXX I GOT A FTC REPORT TOO DISPUTE ITEM.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 OF XXXX Account XXXX has violated my rights. Or a 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 2024-04-21
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. (KY)

Unknown debt collection company is still listed on transunion my data was breached in the XXXX breach but had no problem removing from the other bureaus. I've requested a contract copy showing I agreed to work with this particular company and I get a generic response with an amount and date I have no knowledge of. This has been the problem since my data was breached in the XXXX Despite having obviousky been a victim with so many instances of this happening to me and the time I've spent combatting it on the phone, spending my own money and time XXXX XXXX XXXX keeps saying I need to cure my claim but is never specific to the information needed. Ive sent letters, ftc identity theft reports, screenshots of bank disputes due to unauthorized charges which didnt get paid back by the banks. Ive got several cfpb complaints that should be able to be pulled up and forwarded to this shady settlement company.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I contacted TransUnion to let them know I was the victim of identity theft and asked them to remove XXXX fraudulent inquiries from my credit report. They responded with a letter saying they were not removing the inquires. I believe they are required by law to remove these fraudulent inquires and I want them to be removed immediately. They are XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

Bluebird is holding on to refund issued by XXXX for valid purchase in amount of {$50.00} made on XX/XX/XXXX. Refund issued on XX/XX/XXXX by XXXX. Refund received by Bluebird on XX/XX/XXXX and has been held since this date. Called Bluebird customer service number twice on XX/XX/XXXX and told by their overseas reps nothing can be done.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Consumer complaint received 2023-12-23
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. (NY)

REMOVE HARD INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FOR TRANSUNION XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FCRA 605B mandates the elimination of any erroneous entries from my credit report. Could you kindly review the documents? Certain listed accounts are reported inaccurately and should be promptly expunged.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

I'm here today to talk about my recent experience with a XXXX XXXX. In XX/XX/2023, I went to a XXXX XXXX  to lease a car in my own name. The dealer asked me if my credit was good enough and I showed him my bank 's credit score report. He said that I would definitely be approved for a lease in my company 's, due to my high XXXX credit score. 
Unfortunately, a few months later, I noticed that the dealership had made a couple of hard inquiries on my credit report without my consent. This was completely unnecessary, as I had already shown them my credit report from my bank. It's important to be aware of any hard inquiries that have been made without your authorization.

and it was done on two different dates ( see attachments )
Consumer complaint received 2024-02-08
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRIAD FINANCIAL SERVICES, INC. (FL)

On XXXX XXXX i received a letter from my mortgage company for late mortgage payments. When i first started making payments I was paying {$1200.00} now as of XX/XX/year> my payments went up to {$1700.00}
Consumer complaint received 2023-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

PRO COLLECT IS TRYING TO COLLECT ON THIS DEBT THEY CLAIM I OWE THEM. I HAVE ASKED THEM TO PROVIDED A DOCUMENT OR AGREEMENT BEARING MY SIGNATURE SHOWING THAT I HAVE A LEGAL BINDING CONTRACTUAL OBLIGATION TO PAY PRO COLLECT. THEY HAVE FAILED TO PROVIDE THIS AND CONTINUE TO REPORT TO THE CREDIT AGENCIES WHICH HAS HAD A NEGATIVE EFFECT ON MY CREDIT REPORTS. THEY KEEP SENDING A LEASE AGREEMENT FROM AN APARTMENT COMPLEX IN XXXX TX WITH THE NAME XXXX XXXX XXXX, AND XXXX XXXX, WHICH IS NOT ME.
Consumer complaint received 2023-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I have tried several times to sign on to MOHELAs website. The website will not acknowledge my identity and can not resolve the issue. They have manipulated their website and call center in such a manner that it makes it impossible to sign on to repay your loan. They throw a ton of roadblocks in the way to keep you from registering. 

A quick ask on XXXX showed that many people are have the same problem. It was suggested that Mohela did not bother preparing for repayment or they are fishing for late fees. Either way they refuse to resolve the issue. You can not get a person on their customer service line and they claim the account is lock with no way of unlocking it.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (FL)

Hello, my name is XXXX XXXX, and I received several emails on XX/XX/XXXX & XXXX regarding this Destiny Mastercard & XXXX XXXX XXXX  that on they ran my credit without a written authorization by me this is Identity FRAUD I did not solicited nor requested this service by this company my personal information have been stolen. I have attached below proof that my name and address was used in several ways in attempt to acquire the credit. I demand a proof of a wet signature of my behalf that this was in-fact solicited if the company can not provide my written signature, I am requesting that the hard inquiries produced by this company be removed immediately from my credit report and all three major Credit Bureau XXXX XXXX XXXX & XXXX XXXX Due to this fraud, I requested a Police Report for the Identity Fraud Report.
Consumer complaint received 2023-09-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: SECURITY FINANCE CORP (SC)

This will acknowledge your notice of rejection for estoppel for payment due to Abscene of lawful money received on XX/XX/2023 ..... I am now requesting this Company Professional Finance to provide proof without a reasonable doubt that my estoppel doesn't pose a threat to our agreement. When you are making me perform an impossibly and if I don't, you will try legal actions against me, how does me the applicant making you aware of these conflicting laws, not have anything to do with our relationship when it's the basis of the relationship. Now I am asking you to prove otherwise. I have also sent this to all parties involved... We are waiting on your response.
Consumer complaint received 2023-12-23
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)

According to the Privacy Act of 1974, it was created to protect and curb the illegal surveillance and investigation of individuals by federal agencies. It also stated the major concern for potential abuses presented by the government 's increasing use of computers to store and retrieve personal data by means of a universal identifier - such as an individual 's social security number. Along with 5 USC 552a, these two laws are to protect the consumer 's personally identifiable records maintained by agencies.

15 USC 6801 ( a ), states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 USC 6802 9b ) ( 1 ) A financial institution may not disclose nonpublic personal information to nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct reheat such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of h ow the consumer can exercise that nondisclosure option.

Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time.

I am opting out of your reporting services to Transunion, XXXX and XXXX.
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX  ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

made two payment XXXX, XXXX first- {$170.00} on XX/XX/XXXX. second- {$9600.00} on XX/XX/XXXX. had a negative balance after second payment. due date for payments is 5th of each month. have made numerous calls to capital one. first agent told me i was charged because it wasn't paid off by due date, which was incorrect. they are now charging {$110.00} in interest charges. seems like a very misleading and unfair practice. i switched to another card, without interest, to pay off balance. does that have an effect? capital one seems to prey on the downtrodden. 
my understanding is : if i didn't pay off balance by the 11th of month prior to due date, and didn't make any purchases, i would never pay off credit card. this isn't mentioned anywhere on my ebill-that i can find.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.