davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
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. (MD)

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 Number : XXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX XXXX Account XXXX, Account name : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2023-08-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) and other related laws, which have significantly impacted my financial well-being and peace of mind. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you will enforce the legal protections afforded to consumers like me. 

These violations have been carried out by multiple creditors and have resulted in severe damage to my credit profile. The consequences have been far-reaching, affecting my ability to secure loans, housing, and even employment opportunities. I understand that the purpose of the FCRA is to ensure fair and accurate credit reporting, and I implore the CFPB to ensure that these laws are enforced to protect individuals like me from unjust treatment. 

The violations I am disputing are as follows : 1. Unauthorized Inquiries : - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX. Inaccurate Reporting and Unverified Accounts : - XXXX XXXX  ( Account Number : XXXX ) - XXXX ( Account Number : XXXX ) - XXXX XXXX ( Account Number : XXXX ) - XXXX ( Account XXXX XXXX XXXX ) - XXXX ( Account Number : XXXX ) - XXXX XXXX XXXX ( Account Number : XXXX ) - XXXX XXXX XXXX ( Account Number : XXXX ) Furthermore, incorrect personal information has been reported, including incorrect previous addresses. 

The emotional toll this situation has taken on me can not be overstated. The constant stress and XXXX  of being unfairly judged based on inaccurate and unverified information have caused sleepless nights and a constant feeling of hopelessness. I have even lost out on job opportunities due to the tarnished credit profile that these violations have created. 

I kindly request that the CFPB thoroughly investigate these violations and enforce the necessary actions against the involved creditors. Specifically, I demand that the unverified accounts mentioned above be removed from my credit report as they are damaging my financial credibility without proper validation. 

I am confident in the CFPB 's commitment to consumer protection and fair credit reporting, and I am hopeful that your intervention will provide the justice I deserve. 

Thank you for your attention to this matter. I have enclosed copies of relevant documentation to support my claims. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (FL)

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 an account without my written instructions.
Consumer complaint received 2022-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

XXXX XXXX is selling property she owns in XXXX, Virginia. 
A judgment entered on XX/XX/XXXX in the sum of {$1500.00} against XXXX XXXX, in favor of XXXX XXXX XXXX, I XXXX, XXXX HSBC XXXX XXXX XXXX XXXX showed up on a title search. 
We have both been trying for about XXXX weeks to secure a pay off letter to pay off this judgment but have never received a pay off letter. XXXX XXXX and I have spoken to representatives at HSBC over XXXX times and sometimes they say they will fax the pay off letter and sometimes they tell her it is in a research department. We have also tried to secure a pay off letter from XXXX XXXX XXXX as well. 
It has been well over a month and we have not been able to secure a pay off letter to pay off this judgment. We are seeking a pay off letter good thru XX/XX/XXXX. 

I am sending you a copy of the judgment and client authorization. The judgment, authorization and request for pay off has been faxed to HSBC as well numerous calls have been made, all in an effort to secure a pay off letter. 

thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

My Direct loans ( I have many from many schools ) were transferred to MOHELA. I left my latest school XXXX XXXX XXXX and applied to start paying my loans off immediately. I applied for a new income-based payment plan through the federal aid website and was approved through Federal Aid that also transferred the required IRS information . However, after applying twice, MOHELA denied my payment plan. The only way to contact them ( no email or forms ) is through a phone number. I got two email rejections. My current plan is asking me to pay over {$3000.00} per month. I can not. When I called today, on XX/XX/XXXX, the customer service representative was not helpful at all. She said that I was denied because I need yearly tax returns for each year I was in a income-driven repayment plan! My first graduate loan was in XXXX. I would have to give them 23 years of tax returns. When I noted this, she said, " yep. '' I then said that does not make sense. The requirement from Federal Aid is that I need last year 's income tax to determine my future payment? Why would I need 23 years of tax returns? I owe a lot of debt and am trying to pay it, but MOHELA puts almost nothing in writing, just a note that my application was rejected, but there are no details until we call. This makes no sense. I had these loans all my life. No servicer ever asked for years of returns. They ask for last year. Even mortgage companies never ask for more than one or two. I don't have that information, and the IRS only goes back to XXXX. Many years, I was in forbearance or deferment.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FISERV INC. (UT)

Starting halfway through XXXX, we will say XX/XX/XXXX it became impossible to access the account in anyway. The mobile app opens but does not even attempt to login ( I can input the wrong password and it doesn't even try and then tell me it is the wrong password ). The website is opens as well but does nothing else, you can not log in normal as they have changed something with the log in. It asked me to re-register starting with my card number and expiration. I can not get past this because it always says it is the wrong information no matter what. There is no email to contact. The website will only give you " call the number on the back of the card ''. Which is fully automated and will not send you to a real customer service rep for any reason. I have attempted to reinstall the app, I have tried on different devices, I have tried to website on different computers. I have tried mobile service, and WiFi, and both together. I have tried all of these every single day since XX/XX/XXXX, including finding a way to contact them. I have gotten nothing and am panicking about losing all my savings.
Consumer complaint received 2018-12-12
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)

According to my recent credit report request from Equifax, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX Reported to EQUIFAX, XXXX, XXXX, PROFIT AND LOSS WRITEOFF ( AUTO LOAN ) XXXX XXXX  Account # XXXX Being Reported to EQUIFAX, XXXX, XXXX  CHARGED OFF ACCOUNT BAD DEBT XXXX  Account # XXXX Being Reported to XXXX, XXXX  ( ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, ) XXXX Account # XXXX Being Reported to EQUIFAX, and XXXX  ( CHARGE ACCOUNT ) XXXX Account # XXXX Being Reported To EQUIFAX, and XXXX ( CLOSED OR PAID ACCOUNT/XXXX   BALANCE INSTALLMENT SALES CONTRACT ) XXXX  XXXX XXXX/XXXX XXXX Being Reported To XXXX  ( INACTIVE ACCOUNT REVOLVING CHARGE ACCOUNT ) XXXX Account Number # XXXX Being Reported To EQUIFAX ( FLEXIBLE SPENDING CREDIT CARD ) XXXX  XXXX Account # XXXX Being Reported To XXXX ( STUDENT LOAN ) XXXX XXXX Account # XXXX Being Reported on XXXX  ( PLACED FOR COLLECTION )
Consumer complaint received 2022-11-03
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. (NY)

You have really gone so far on disregarding my disputes. AGAIN, this state is unbelievable! Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason of we didn't get it '' doesn't occur but then its like nothing happened. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I am in desperate need of this account to be CORRECTED : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On or about XX/XX/2022, I noted on my mobile app that my two credit cards with Capital One were " restricted. '' On XXXX XXXX, XXXX I called Capital One. They informed me that both my cards had been cancelled. 

I have had these two credit cards for more than seven years. I have never missed a payment. 

The credit card company offered no reason, and told me that since the accounts had been closed, they could not retrieve any information regarding the reason for cancellation. I was not contacted about any issues, problems or their intent to cancel my credit cards. 

This affected my credit score and their demand for immediate and full payment is beyond my finiancial capacity. 

I am a XXXX senior citizen with health and mobility issues. 

Again, I have had, and used daily, these two cards for over seven years and never missed a payment, often paid the full balance down to XXXX  and had no fraud or other issues with them, or this company, until now.
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NC)

I had a promotional offer that expired during my XXXX XXXX billing cycle. I paid the balance in full on the XXXX billing statement due date. Chase charged me {$27.00} in interest despite that I paid the balance in full. They indicated it was because the promotion expired on XXXX XXXX, XXXX and I paid the balance on the statement due date that was XXXX XXXX, XXXX. It was not stated on the statement that I need to pay off the promotional balance by XXXX XXXX vs on the statement due date. If it was it was not apparent. Chase could clearly see that I paid the balance off in full and should not have charged me the interest. They need to have more clear disclosures on the statemen that the balance needs to be paid by the end of the promotion period to avoid interest charges. This is a change from prior promotional offers I have done which have always been on the statement due date. Also I want to ensure that this will not be negatively impacted on my credit report.
Consumer complaint received 2023-04-27
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. (IN)

I have contacted this collection agency numerous times asking for copies of my original contract/purchase agreement because I have never signed up with them nor given permission to them to open an account in my name.
Consumer complaint received 2022-12-05
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. (TX)

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 an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-11-02
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)

There are a lot of negative items in my report that resulted from my personal information being leaked and used by someone. I sent multiple letters to the bureaus but it has been more than 30 days yet they never sent me a response.
Consumer complaint received 2022-11-02
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. (TX)

There are a lot of negative items in my report that resulted from my personal information being leaked and used by someone. I sent multiple letters to the bureaus but it has been more than 30 days yet they never sent me a response.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. EQUIFAX failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore EQUIFAX is REQUIRED to immediately remove each and every last one of them from my credit report.
Consumer complaint received 2022-10-19
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. (FL)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (NV)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against 3 credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$5100.00}.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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  : # XXXXXXXX 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. NOTICE : XXXX, XXXX, and Transunion are only reporting agencies and are all in violation of utilizing hired overseas agents from foreign governments to handle XXXX XXXX XXXX XXXX information of my Estate and ALL of their AMERICAN/CORPORATE ENTITIES/PERSONS that call these XXXX reporting agencies. This IS a direct threat against EVERY customer/client of these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY Lawful Credit Reporting Bureau. THEREFORE I AM A VICTIM OF DATA BREACH BY THE CREDIT REPORTING AGENCIES CALLED " TRANSUNION XXXX HOLDINGS, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX '', THROUGH OUR INVESTIGATION, I HAVE NOT GIVEN WRITTEN CONSENT TO ANYONE TO SELL OR DISTIBUTE MY CREDIT INFORMATION. THESE ACCOUNTS ARE TO BE REMOVED DUE TO THE LISTED VIOLATIONS ABOVE!
Consumer complaint received 2022-11-02
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: NAVY FEDERAL CREDIT UNION (TX)

My identity was used to open a fraudulent account with a credit union named Navy Federal Credit Union in XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them along with XXXX to file a second complaint with this issue. There is also someone elses address on my credit report which they say they will be removing. I need to resolve this issue immediately because its affecting my credit score.