davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As a consumer/ natural person/ living man, I am enforcing my rights. 
TRANSUNION is in clear violation of the law of 15 USC 1681b ( 2 ) - Permissible purpose of consumer reports. I did not give TRANSUNION written permission or consent to furnish any accounts on my consumer report.

Furthermore, TRANSUNION is in violation of 15 USC 1681e - Compliance procedures. According to this law, TRANSUNION must produce the permissible purpose, they must also certify it and send me disclosures.

And further, TRANSUNION is in violation of the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states that transactions and experiences are not to be included in a consumer report.

And further, TRANSUNION is invading my right to privacy and isnt adhering to 15 USC 1681 ( a ) ( 3 ) & ( 4 ). They are not exercising their responsibilities with fairness, impartiality and privacy.

And further, TRANSUNION is in violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. TRANSUNION is obligated to respect my privacy and to protect my security and confidentiality of my nonpublic personal information. They have not done that.

The following is the account name and numbers that are illegally being shown/reported on my consumer report : XXXX Account number XXXX Account number XXXX
Consumer complaint received 2023-05-15
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$260.00}, XXXX XXXX Balance : {$940.00}, XXXX XXXX Balance : {$460.00}, XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX Balance : {$200.00}.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (FL)

Keybank continues to report to XXXX  that the initial delinquency date of this account is XXXX. This initial delinquency date of this account is XXXX!!! The account was not brought current since this date. Keybank is reporting activity dates to XXXX  but XXXX  does NOT report based on activity they report based on delinquency!! Activity DOES NOT = delinquency. It does not matter if the there was activity on the account in XXXX. The account was never brought current and the initial delinquency date is XXXX!!! Please report the correct initial delinquency date on my credit report and remove this account from my credit!!!!
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (NY)

four years ago I went into XXXX XXXX and purchased two vehicles and leased one vehicle ( total three in one day ). 

The lease ended XXXX, 2018. I was allowed 15,000 miles per year. 

Last XXXX I went into a dealership and purchased two new vehicles. I then paid the entire balance of the five remaining months lease. 

I've now received a bill for {$430.00}. 

I called Hyundai and explained I had turned the vehicle in when I purchased two new vehicles. I also told them I had only utilized approximately half of my allotted mileage allowance over the four year period. There was no damage ect. to the vehicle. 

I've now received a this bill stating I paid it off early. I explained I turned it in early BUT PAID IT IN FULL THROUGH THE END OF THE LEASE TERM. I also again stated I only used approximately half of the allowed mileage. They continually refuse to delete this " balance due ''. 

I called Hyundai and reached XXXX XXXX, who is a CSR. He said it was dead wrong that they were trying to charge me this money. He said he was submitting a complaint on my behalf and bc he was doing that the complaint would have to go to Corporate Hyundai to be reviewed. 

So they're basically saying bc I stopped driving the lease 5 months early, BUT PAID IT IN FULL FOR THE COMPLETE LEASE TERM. I'm going to have to pay them. This sounds ridiculous! 

You can reach me at XXXX XXXX XXXX if you have any further questions.
Consumer complaint received 2023-01-13
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 have disputed inaccurate information with Experian and they have not done a thorough investigation nor supplied me with the proper validation of the said debt and inaccuracies that are reporting on my credit profile. There are several accounts in which I have proven to be inaccurate. I have called and spoke with representatives who have disconnected my calls, transferred me to departments who could not assist, and sent multiple letters requesting a FAIR and just investigation and they are being non compliant.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was charged {$42.00} just now on my account I just noticed that was not authorized I canceled my printer and removed my payment that I had on here so I dont know how it was still taking out of my account but that needs to be refunded back to me that card was deleted as a payment method and wasnt supposed to be charged
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (CA)

I had a gym membership with XXXX. They claim that after the second month of me having the membership that they couldnt collect any money from me. I had used the gym for a couple of months prior to the pandemic so if it were true that that were unable to collect any money from me they wouldnt have let me in. I have printed my financial documents to reflect the payments they pulled from my account. During the pandemic after a year of having my membership i called to cancel my membership with an agent of theirs over the phone. The withdrawal from my account stopped. Now that things are back open the gym is saying that i owe them money, but its impossible if i closed the account and dont utilize the gym. They never contacted me regarding payment or sent any letters telling me that i owe. I went to the gym to ask about it and they said that they dont have any records in their system and that i have to talk to a manager. I spoke with a manager and she told me if i renewed my membership they would make it go away. I dont see anything about this collection on my credit anywhere and i believe it is false.
Consumer complaint received 2022-10-12
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. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge. Im sure you guys would not want to pay for something that you have no knowledge, did any business with nor had any service from. I should be in process of getting a home sometime this year of XXXX and even get promoted in my job which requires a credit check. Im trying to get my life in order, being a victim is not easy. its extremely stressful and very detrimental to my mental health. I will be attaching a FTC report with the number XXXX that was given to me when I filled out the form and I will also be attaching my identification card and my proof of address required by what I read in the Consumer financial bureau of protection website ( CFPB )
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

I deposited a balance transfer check from XXXX, as I have done in the past without issue, on Friday, today I went to check my balance and saw that a hold was placed on my account. I contacted Chase by phone and after going through the first agent, I was placed on a long hold and transferred to the " Loss Prevention Department where a gruff man told me how this activity was " unusual '' ; " People do not write themselves checks and deposit it into their own accounts! '' - They do when it is a balance transfer check. 

He then told me that I needed proof that the funds had been disbursed, which I could not as XXXXhase had a hold on my account, and two forms of ID and take it to the local branch. The local branch is one I just filed a complaint about discrimination just two weeks ago. I informed him that I was handicapped and could not go to the branch, and he said " I don't care that you are handicapped, if you want the hold released, that's what you'll have to do! '' The hold was never released, I never received my funds, and Chase continues to discriminate against me!
Consumer complaint received 2021-08-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MI)

XX/XX/2021 I started working with Ally Financial Inc 3rd party for a car loan. 
The debt was settled and taken care of on XX/XX/2021. On XX/XX/2021 a letter was sent to me. On XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX I contacted Ally Financial for a letter just to show that the debt was settled. 

I did a conference call, I wrote on XXXX, I emailed and have yet to get the letter.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I never had a XXXX account. If XXXX is making the claim that I owe money or even had an account with them then I need the name of the person who is verifying the information. If there is no person verifying this account then the account needs to be removed as its obvious that verification, which is required, was not completed no did the event happen.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc. (TX)

Upon reviewing my credit report as I do on a monthly basis, I noticed on XX/XX/XXXX new activity in the form of a collection from KINGSTON DATA & CREDIT INTERNATIONAL INC . Puzzled as to why negative information could be reporting on my XXXX  Report, I found out the original creditor was XXXXXXXX XXXX XXXXXXXX and the negative info was associated from an old Gym membership which has not been active for more than 4 years. In XXXX of XXXX I contacted and had a lengthy conversation with my local XXXX XXXX XXXX and expressed that I wished to cancel my membership. I explained that I had to abruptly leave the country for work and was told by the XXXX XXXX employee that because of my situation she would accept cancellation by phone. I provided my contact info, and date of birth and the employee said she would initiate the cancelation and send me confirmation to my email. Following that day in XXXX of XXXX, I had not received any notification of a balance owed. No attempt was made in any form from XXXX XXXX to contact me within a 4 year period to inform me that any balance was owed or a contract was left unsatisfactory. Upon discovering the collection from Kingston Data, I requested documentation verifying the outstanding debt but nothing has been provided.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2023-09-10
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)

To whom it may concern : According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15U.S.C. 1681i ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. I require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Consumer complaint received 2015-04-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

My first mortgage and HELOC were originated in XX/XX/XXXX with XXXX ; later bought by XXXX. XXXX sold the first lien to XXXX and the second to Greentree. XXXX modified my XXXX lien soon after the purchase ; however, I can make no progress with Greentree in understanding why I was not offered the opportunity to modify the XXXX under HAMP 2MP. Also, I am unable to get clear answers from Greentree as to whether the HELOC is still a lien on my home or is now a personal debt. XXXX Greentree rep told me it is a XXXX lien to be recovered on sale of my residence, but XXXX told me the HELOC was written off. 

It has been very difficult to speak with a Greentree rep who has responsibility for my loan. The XXXX rep with whom I spoke was outright rude and very uncooperative. A couple months ago I called the HOPE Hotline to arrange a 3-way conversation with Greentree and HOPE, in an effort to get clear, honest answers about the status of my loan. To almost every question from the HOPE rep, the Greentree rep stated he could not provide answers and directed me to contact a different Greentree representative. This is puzzling as I expect all information about my loan would be available to any Greentree rep once they verified me as the borrower and entitled to the information. 

Recently I received a letter from Greentree offering a " Tax Time Settlement Opportunity '' settlement offer of {$100000.00} versus the full balance of {$140000.00} ; payment is due XXXX. I am in no position to come up with this payment. Should I have had an opportunity to discuss my financial situation with Greentree to help determine an affordable payoff? I am not convinced that Greentree genuinely wants to work with me. 

Based on the recent reports of the CFPB investigation and the Greentree settlement, it is clear that my experience with Greentree is not unique. As a result I decided to communicate my experience in dealing with Greentree.
Consumer complaint received 2021-05-11
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: Experian Information Solutions Inc. (AR)

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation.

In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ) you are in violation of 15 U.S.C. 1692g ( b ). Per the collection agencies response, that stated that they served me is false. I was never served. My request to them is to show proof of who they in fact served. I didn't receive notice of this said judgment until my employer notified of me of garnishments that was already in motion.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

My new student loan provider, Aidvantage, has been charging interest to my accounts despite the CARES Act suspending payments and freezing interest rates at 0 % until XX/XX/2022. Payments I've made since Aidvantage took over my loans have largely gone to interest that has been wrongfully charged to my account.
Consumer complaint received 2021-05-11
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. (AR)

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 

In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ) you are in violation of 15 U.S.C. 1692g ( b ). Per the collection agencies response, that stated that they served me is false. I was never served. My request to them is to show proof of who they in fact served. I didn't receive notice of this said judgment until my employer notified of me of garnishments that was already in motion.
Consumer complaint received 2023-06-17
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.