davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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.

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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no co
nsumer 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 2022-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (MO)

I took out a loan in XXXX of 2021. I made my payments on time every month. There is a 14 grace period. My loan payment was always made within this grace period. The payment is due on the XXXX and they start calling on the XXXX. Even though the grace period is 2 weeks out. I have always answered and told them when I would make the payment. In XXXX I had some car issues and Since then I have had to make the payment towards the end of the grace period. I explained this last month. I scheduled a payment through the office. The next day they called again because they forgot or did not note the account. I asked if it would be possible to move my due date and he said it would not be a problem. He would checked it. He stated he could change it and said he would mail me a confirmation. Never received the confirmation. My mail has been messed up for months so I just assumed I didnt get it. Here comes the XXXX of XXXX and I have received 25 calls. I didnt answer because again this is a failure on the part of the business. I am not sure if they just lie, and say whatever? If they just dont do the job, or what the issue is. Today at work I received a threating message about sending me to court. Mind you I am not even 30 days late. I took a second job and awaiting my pay to make the payment on Monday. I called back and as always it went to voicemail. I left a message stating I would make the payment on Monday.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-28
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. (WI)

I never made this inquiry, I never been or went to this place. 
Inquiry name : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Date : XX/XX/2021
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX University XXXX XXXX of XXXX XXXX XXXX XXXX, WI XXXX reported that I had a charge off/delinquent loan from XXXX. That information is both inaccurate and far beyond any statute of limitations for collections and far beyond the lawful credit reporting limit. At no time in the last 20 years has any lender or company complained about this supposed debt or tried to collect it.
Consumer complaint received 2022-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

XXXX XXXX for an extension for payment. It was approvedXXXX payment would be applied to the end of the loan. 
XXXX XXXX made payment for {$740.00} to cover XXXX and XXXX payments. 

As of todayIm being told that the {$740.00} went towards XXXX payment and MISCELLANEOUS FEES that I knew absolutely nothing about. Therefore, leaving my XXXX payment outstanding and now late. Ive talked to close to five representatives and supervisors regarding the issue. I was told that some of the reps gave me erroneous information in regards to my account and this is why Im confused and frustrated.
Consumer complaint received 2022-03-28
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 following companies have violated my rights as a consumer. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX Auto XXXX, XXXX XXXX. 

15 USC 1681 section 602 A states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that.
Consumer complaint received 2022-03-28
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: Resurgent Capital Services L.P. (CA)

I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (FL)

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

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the inquiries below : XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Experian XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 Experian XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

XX/XX/XXXX - my phone service suddenly came to a stop, preventing me from making any phone calls or using cellular data, which I found strange. Later I found out that someone or a group of people used a sim-swap to obtain my phone access and personal information. 

XX/XX/XXXX - I found out that I had lost access to both my bank account and coinbase account. I contacted coinbase through chat, phone etc whatever I could in order to prevent any feature damage. 

XX/XX/XXXX - When I got notified of an unauthorized coinbase transfer in the morning of the XXXX, I quickly took action so that the withdrawl could not be processed, and received a confirmation email that it was canceled ( I will include a screenshot of the confirmation email as well ). And after I made the new account, this same amount that I prevented from leaving my account was all that was transferred back to me. All of the remaining amount I had never received any emails or notifications of it being stolen ( Around XXXX USD at the time of event ). I believe that coinbase has the responsibility to return those funds to me. 

XX/XX/XXXX ~ XX/XX/XXXX - I did everything I could do to strengthen the security to personal information and financial information. Continued to attempt to contact coinbase for transaction history which took them days to respond. 

XX/XX/XXXX - Since the first request on XX/XX/XXXX of XXXX, it took about a month for coinbase to finally provide my account 's transation history which I used to file police report and currently escalated to a fraud detectives ' case and under investigation.
Consumer complaint received 2021-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

My daughter 's student loans ( I'm the cosigner ) have recently been transferred from XXXX XXXX to Firstmark Services. Many letters were received but none referenced her new XXXX account number. I mailed a personal check on XX/XX/21 ( the check was dtd XX/XX/21 ) to the specified XXXX XXXX in XXXX XXXX. Along with the check I mailed detailed information ( personal info for my daughter so they could identify her account ). This check cleared my bank account on XX/XX/21. I've repeatedly contacted XXXX 's customer service dept. by phone asking them to post this payment against the account ( it is showing past due and I'm receiving emails multiple times per week threatening to report this late payment to my credit ). After asking to speak with a supervisor I was told on XX/XX/21 that the only way they would do anything was to upload proof of payment to their portal. I did this on XX/XX/21 and this has been acknowledged on every call to them since. They still, however, have not posted the payment. Each time I call I get a different promise date for posting. Today I was told that they couldn't give me a date for it to be posted as these matters are handled in the order in which they are received. The customer service person told me this would not be reported to my credit or my daughter 's credit but when I asked for that in writing she said she could not provide that. The payment was due on XX/XX/21.
Consumer complaint received 2022-03-28
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. (SC)

I have repeatedly sent in disputes about inaccuracies on my consumer reports. Those accounts are not accurate and the inquires are not mine and i have sent in an identity theft report also. I have ask for proof to support why they haven't removed or changed these accounts, and i never get any proof. I Also sent them a letter on XXXX XX/XX/2022 and still haven't got any results back yet. which an investigation should take 30days to complete. This is very stressful, and I'm also contacting the CFPB ombudsman for i feel no accountability is being taken.
Consumer complaint received 2022-03-28
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 the following companies have violated my rights as a consumer. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602A states I have the right to privacy as a consumer.

15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that.
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NJ)

Please see attached document that was sent as a letter to Chase Bank along with my pay-off documentation. In short, I have already paid all 36 months worth of tax payments associated with the lease cost of the vehicle, up front at the dealership. The tax arrangement is then between the dealership and Chase Bank. 

I requested a pay-off quote for my vehicle with 2 months remaining lease payments on my vehicle. The pay-off quote included taxes for XXXX and XXXX of 2022, even though as mentioned earlier, I have already paid taxes for 36 months up front. 

My letter clearly indicated wrongful/erroneous billing and requested prompt refunding of the tax payments in the amount of {$41.00}. Chase has ignored my request, and upon calling over a span of 2 months ( on or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I was informed by XXXX on XX/XX/XXXX that Chase has closed the investigation and will not be refunding me and that I need to speak to the dealer and that it is " too late in the process '' to do anything, even though my letter was sent many weeks ago with the paperwork to purchase the vehicle. 

Clearly the dealer has already remitted taxes to/on behalf of Chase, so I should not be left battling the dealership over this - Chase has collected 36-38 months of taxes already, so they need to be refunding me.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Yes it 's been awhile I been using my credit card and I always pay on time and I am always careful to not mess up my credit so recently I checked my credit score and I see its XXXX and XXXX and just like a few days ago I see it had dicreased for no valid reason now it 's XXXX and XXXX I felt really shocked and ca n't even go to sleep the whole day if u guys can solve everything out cuz I really take care of my credit and it 's been 2 years I been using it if u guys can help me out I will really appreciate it? Thank you
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MS)

I applied for the covid forbearance plan that I was eligible for they advised that I was and said I would get my letter within the next week. I later learn that I was denied the assistance for Covid forbearance due to the property management team stated that the property is vacant how can you deem a property as vacant when the lights are on when the water is on and the gas is also on is beyond my understanding. The property has never been vacant and each and every time I try to work with this company they insist on advising that they will work with me and later this is never the case they hire these people who deemed the property as vacant. We have had a lot of storms in MS and therefore due to the storms it looks as if the property is vacant due to all the trees and waste after the tornado and constant rain which has made the up keep extremely hard the company hires people who sell my information to seize my home during this state I have had an unlimited amount of calls and text messages due to the breach of information within this company requesting that I sign over the home or I sell it to the outside rep. The company is hiring employees who are working for themselves to seize homes from the home owner in order to make a side profit for themselves giving out confidential information that is not suppose to be given out it is a breach in credit information a breach in privacy information it is a breach within this company that if they are doing this to me I am very sure they are selling the information of other homeowners to investors and other institution without the homeowners consent or knowledge it is important that someone investigates this company and their lack of assisting the homeowner using skillful tactics as loop holes claiming the property is vacant in order not to offer the programs available for the homeowner to keep their home only trying to seize and sell to investors who are within the company as colleagues to make a side hustle off of the homeowners expense an immediate investigation into the skillful tactics of this company is needed using slick loop holes to deny such as vacant after this brings it to the bank as not eligible for assistance due to slick use of loop holes within the mortgage system.
Consumer complaint received 2023-02-23
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. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to dispute 5 late payments from XXXX/ which are located on my credit report. The account was opened on XXXX XXXX 2013. The late payments are 30-day lateness listed in the months of XXXX, XXXX, XXXX, XXXX. I did not make any late payments and I request that they be removed.
Consumer complaint received 2022-04-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

There is a XXXX collection on my credit report, that i has no idea of until the collection was reported to the Credit Bureau. I was never contacted regarding this debt. If I was contacted there was never a message left requesting a return phone call. Therefore I was not aware this account needed my attention. I have contacted IC Systems in regards to this debt, and they stated an address that I have no lived at in 5 years. If I had been contacted about my address change I would have taken care of the situation. My correct address is listed on the report given by credit karma from CI Systems. I have still yet to receive a notice for this collection. The only reason I even know about this debt is through my credit karma credit report. I have attempted to go to their website to look over the debt I supposedly owe, but the company requires a reference number to the account which I do not have because I have never received a notice. I have no files to attach to this complaint due to never receiving a notice.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have XXXX hard inquiries on my credit report that were not mine. I have previously called the companies and also contacted the credit bureaus. I have had no response and the negative information is still on my report. With both false inquiries, incorrect addresses were used, too. The inquiries I am speaking of is the XXXX and XXXX XXXX inquiries. I need to have these removed as my credit is negatively impacted by these errors/identity theft usages.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the FCRA, these credit reporting agencies have violated my rights as a protected consumer.15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under a open ended consumer credit plan as late for any reason.

These CRAs have violated my rights under the Privacy act of 1974 time and time again. 

Update consumer report as having no late payments and every month as paid as agreed on all open or closed accounts.