davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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. (OR)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2023-08-11
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. (VA)

I have not supplied proof under the doctrine of estoppel by salence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 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 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 2018-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE (WV)

Huntington Bank in XXXX, WV is taking me to court over a checking account that was closed 7 years ago, they are saying the account was closed due to being overdrawn and they were assessing daily interest they are requesting a judgement of over {$1200.00}. I have received no calls, no bills, nothing in 7 years. I am working on student loans and with a consumer credit counseling agency currently as well as have had loans within this 7 year time and have a checking account I have never been told I owe this bank money until Im taken to court. I have not been contacted by the bank or heard anything of this until a process server contacted myself and also my father and scared both he and I. I have not received a call, a letter, nothing! is there not a statue of limitations? This was not a credit card but a checking account? Why havent i received a statement? Or a notice?
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: SYNCHRONY FINANCIAL (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. XXXX15 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 2023-06-22
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. (MI)

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agen

cy 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 2018-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (NY)

I received phone call at my work phone number from Associated Credit Services phone # XXXX trying to collect debt owed to XXXX XXXX. I received this phone call while I was in meeting with my XXXX XXXX and my co-employees heard everything that was said on the phone by the debt collector. First of all this is not my debt and this company simply XXXX  the name and called me at my work phone number. I was embarrassed by the phone call and I hung up. I returned the phone call later and spoke to XXXX XXXX at Associated credit services who asked me to verify date of birth and mailing address after verification I was told that you are not the person that we are looking for. My issue is that this debt collection agency called me at my work to collect debt that was not mine. Associated collection services Inc 's collection practice should be examined, because I was harrassed and embarrassed in front of my colleagues for debt that was not mine.
Consumer complaint received 2023-02-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-01-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Bridge IT, Inc. (CA)

Applied for loan XX/XX/XXXX with a fee of {$5.00} said to be charged XX/XX/XXXX. Odd because how if loan wasnt approved to me until AFTER XX/XX/XXXX? Paid loan {$65.00} XX/XX/XXXX XXXX auto debit however they didnt take {$5.00} fee. Company does this in order to keep themselves tied to your account. Very hard to find cancellation process on website with the only option to do so is a downgrade to free account which offers no pay cash advances. After googling I found how ti cancel account but must wait for them ti withdraw this {$5.00} which shouldve been done with the {$65.00} paid on XX/XX/XXXX. See attached screenshot of company advising theyre in process of canceling account after next fee charged withdrawal on XX/XX/XXXX! XXXX still getting emails showing how much my checking balance is and no need for advance, my spending etc., these people need to be shut down because A consumer paid loan in full they purposely stay in your account with bogus reason as waiting to charge {$5.00} on XX/XX/XXXX!!!!!!! 

XXXX!!! Today is XX/XX/XXXX!!!!! 

Consumers HAVE NO CONTROL OVER THIS! PRIOR TO FINDING OUT HOW TO CANCEL/CLOSE ACCOUNT THE ONLY OPTION WAS TO DOWNGRADE TO FREE ACCOUNT WHICH KEEPS YOUR CHECKING ACCOUNT LINKED TO THEM HOWEVER YOU HAVE TO UPGRADE TO THE {$5.00} PLAN RIDICULOUS!
Consumer complaint received 2023-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
-XXXX XXXXXXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX  for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX of {$1400.00} date opened unknown. 

I did not open these accounts.
Consumer complaint received 2023-01-01
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. (OH)

The credit reporting agency is reporting information that is inaccurate. I notified them of these inaccuracies in XXXX and they have yet to respond and it has been over 30 days.
Consumer complaint received 2019-02-05
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. (NH)

I XXXX XXXX, have already tried to correct my credit bureaus where the attached posts on credit shows that I was not removed as a authorized user. On each of these posts it shows that I was only an authorized user. I was at no time a responsible party in the use of these credit cards. I was added only as a means of helping me to rebuild my credit. Now the responsible party has defaulted on his obligations, I believe that it is in my best interest to come off of these accounts as an authorized user, and to have these accounts removed from all of my credit bureaus immediately. These trade lines need to be removed immediately!!!
Consumer complaint received 2023-08-11
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: NAVY FEDERAL CREDIT UNION (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Navy Federal CR Union is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Navy Federal CR Union the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, XXXX, Navy Federal CR Union whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Navy Federal CR Union Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 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.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

there are inquiries on all my credit reports that were not from me, I did ask the Credit Company to remove them but they said that these things will eventually fall off in 2 years but I told them I needed them off now in order to buy a home. I talked to XXXX and TransUnion to try to get them to take these inquiries off my credit report. 

I called on the week of XXXX XXXX
Consumer complaint received 2023-05-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2018-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

When the Public Service Loan Forgiveness ( PSLF ) program was announced, I called my loan servicer Nelnet immediately ( XX/XX/2008 ) to find out more information about this program and to make sure my student loans were under the correct loan type and repayment plan to be eligible for the PSLF program. 
I was assured by Nelnet staff that my loan type XXXX XXXX XXXX XXXX ( XXXX ) and Graduate repayment plan were eligible for the PSLF plan. They specifically told me I did not have to do anything at the time to apply for the program. I just needed to submit the correct forms when I was getting close to my 120 payments to be eligible for the program '' they explained. They stressed most importantly that I had to make all my payment on time. 
I told Nelnet specifically that I wanted to be sure I was eligible under the PSLF program as I am employed by the local government. They assured me that working for a local government would qualify for this program and not to worry.

After completing all 120 payments on time and staying employed by the local government for 10 years I submitted my verification form and notified Nelnet that I was ready to submit my final paper work for the PSLF program. The servicer said everything looked great and I should be fine. After inquiring again into this matter to double check that I wasnt missing anything, a person came on the phone and informed me that NONE of my payments qualified for the PSLF program. I found out that I was given incredibly incorrect information by Nelnet the entire time. I requested to speak to a manager or someone with authority and was passed around to a person who  admitted to the error and said they could do nothing to correct this. 
During this entire time in my repayment period, I called several times to continuously ask them to make a note in my account to record and note that I had called and confirm that I was on the right path for the PSLF program, they always assured me they did this. After paying these loans on time for the past 10 years ( as I was told to ) under what I was told to be a correct repayment plan and loan type, my student loans totals have increased because of interest to {$44000.00}. I feel that because I was told this information and guided by an approved servicer that all my payments should be applied to the PSLF program or at least Nelnet should provide a similar resolution for this enormous error. I've committed my life for the last 10 years ( 120 months ) to public service and several life career decisions and opportunities were passed knowing I had to maintain this status to complete this program. This error has jeopardized the financial future for family. Nelnet please do what is right and provide a solution to this matter. 

TX
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (SC)

Only XX/XX/23 I agreed to a " catch up plan '' XXXX with ALLY AUTO to be made on the XXXX of each month starting XX/XX/23. On XX/XX/23 @ XXXX I made the agreed to payment of XXXX. ALLY AUTO cancelled my " catch up plan '' stating they tried to pull funds from my account and insufficient when I notified them I paid via debit card they then said because the payment was made after XXXX its considered the next day. No where in my catch up plan is it stated payment must be automatically drafted or that any payments made after XXXX are considered next day. When I asked customer service to speak to supervisor they declined and when I asked for my original " catch up plan '' to be upheld due to lack of transparency on their end ; they declined stating they could only mark me as applicable for future " catch up plans ''. This company needs to be federally investigated as they are scamming their customers! I am STRONGLY considering taking legal action into my own hands as I've had MANY issues with them of this is not resolved FAIRLY.
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: SYNCHRONY FINANCIAL (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines SYNCB AMERICAN EAGLE 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 2023-05-15
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. (MI)

XXXX  XXXX Open date : XX/XX/XXXX STATE OF MI OFFICE CHI XXXX Open date : XX/XX/XXXX STATE OF MI OFFICE CHI XXXX Open Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.