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: 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. (SC)

In reviewing my report from Transunion, I found unverifiable, invalidated, inaccurate, and questionable items. I do not have any accounts with these companies under collection nor for review. I have made numerous attempts to resolve this matter via mail and Transunion automated service, however, I had no success. The following items are unverifiable, invalidated, inaccurate, and questionable : Previous address : 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 XXXXXXXX. I do not know who this information belongs, but it is not mine.
Consumer complaint received 2024-04-06
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-02
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. (MS)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U, S, C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (IL)

I have a secured account with Self Financial IncXXXX  is reporting 1 fraudulent late payment from the credit card and 2 correlating late payments from the installment loan that comes with the credit card account to the credit bureaus. The late payments are reporting from XXXX and XXXX of this year of 2022. I have documentation from the state that is attached in this correspondence that shows I was incarcerated from XXXX of 2022 to XXXX of 2022 which would made it impossible for me to made the purchased that cause the late payment in XXXX. Self Financial Inc is in CLEAR VIOLATION OF THE LAW! The FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. Which is an INDIVIDUAL ( me ), and the person making the REPORT which is Self Financial Inc . So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the LATE PAYMENTS which are in violation by being REPORTED and keep the account. Self Financial Inc is also in violation of 15 U.S. Code 1666b - Timing of payments where it clearly states, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;.
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. (TX)

I mailed dispute letters to EXPERIAN, XXXX XXXX XXXX for the following accounts appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : This makes your social security card, drivers license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Consumer complaint received 2022-12-02
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. (MS)

XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX 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 2023-07-27
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Called XXXX  Spoke with head of dispute center supervisor named XXXX XXXX, under my rights i recorded the call for my safety. XXXX was calling me a lier stating they was not violating any rights then hung up in my face. This is unacceptable for a company and i demand for him and his authority to be handled correctly immediately.

According to 15 USC 1681A ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

According to my written instructions which I have full authority to give you under my rights as a natural person/consumer pursuant to 15 USC 1681B ( 2 ) I am exercising my right and I demand these inaccurate accounts be deleted immediately.
Consumer complaint received 2018-04-23
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC. (NY)

On XX/XX/XXXX, I contacted by the Navient office in Indiana to discuss options for repayment. They failed to disclose their intentions that they were collecting on a debt, which is a violation of the mini miranda laws. I explained to the representative that I was not working, currently enrolled in school and unable to make the XXXX payment or a XXXX payment to make the account come current. The representative, XXXX, in the Indiana office began to leave deceptive, harassing and unlawful tactics on my voicemail and failing to disclose the intention of her call. Again, on XX/XX/XXXX, the same representative called and left a voicemail again failing to disclose their intentions on collecting on a debt. On XX/XX/XXXX just four days later the same representative called leaving a voicemail with an intent to be threatening by using deceptive, abusive and harassing tactics to collect the debt. On that same day, XX/XX/XXXX, the representative called two of my family members, even though the representative has a working number, that were not authorized on the account to be contacted. On XX/XX/XXXX, I contacted the Navient office and spoke with a representative that again did not disclose their intentions that they were collecting on a debt, which is a violation of the mini miranda laws.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (DE)

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. 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. 
XXXX ) XXXX XXXX XXXX # XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX  XXXX XXXXt/Acct # XXXX XXXX ) XXXX XXXX # XXXX
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (TX)

my insurance company paid for my rental while my car was being worked on. I provided my credit card for incidentals only, as described and agreed with XXXX. The insurance company issued full payment of $ XXXX to XXXX and the car was returned without damage and adequate fuel. Weeks later, XXXX charged me thte full rental amount. I confirmed XXXX had already funded this rental, and XXXX cashed their check. XXXX refused to provide a refund, and Discover has declined my dispute request, even with adequate documentation from XXXX showing they already issued payment to XXXX. I feel unheard, and thrown about in this situation, with Discover not honoring their -zero-liability claim. I did not authorize this transaction from XXXX, and Discover is asking to " prove '' I did not, which is impossible. Please help me.
Consumer complaint received 2022-12-19
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-06-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I sent in a dispute letter via online and certified mail on XX/XX/2024 stating To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. 
Credit Consultants Association 336 CREDIT ACCEPTANCE CORP - ( reported balance {$13000.00} ) REPOSSESSED and sold to an auction for {$9000.00}. Im requesting that it be removed from my report, the information and balance reported is inaccurate. This vehicle was repossessed by XXXX XXXX in the State of <LOUISIANA> and resold. Under the laws of the State of <LOUISIANA> UCC <Your stats UCC code, you will need to look this up> and State XXXX  and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities, or continued reporting of this invalid claim on my credit reports, will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available state and federal statutes and UCC 9 remedies.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: INDEPENDENT BANK CORP. (MA)

On XX/XX/XXXX at XXXX XXXX  I made a deposit of {$1000.00} on the ATM at Rockland Trust Bank  in XXXX Massachusetts and the deposit went through but in the next morning the money was gone I called them and they promptly credited the money to my account and I thought all the issues were resolved but then on the same day later the money was taken again and when I called them, they started another report and told me that the problem was with the ATM that I used and since then I've been calling every day and it's been almost a week. Actually it's been one week and I called them today and they said they have no answer they can't help me and I don't know what to do. I am missing {$1000.00} and I really needed the money to eat and right now it's causing a major inconvenience.
Consumer complaint received 2022-12-02
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2022-12-13
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

XXXX XXXX XXXX XXXX XXXX stated I owed a debt that I do not owe. They gave a XXXX dollar move out balance and refunded me my deposit. Months later they stated I owed them XXXX dollars after I moved out, after they signed a statement saying I didnt owe them initially.