davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to express my deep disappointment and frustration with the ongoing dispute regarding a negative account that is inaccurately listed on my credit report. Despite my repeated efforts and communication with your company via mail this erroneous entry continues to affect my credit score adversely. 

XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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.

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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency EXPERIAN an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. EXPERIAN sent a letter stating this block was an error. It was not. EXPERIAN has violated my consumer rights. According to 15 U.S. Code 1681i EXPERIAN is supposed to delete the disputed items during a full and complete investigation. EXPERIAN violated this federal law. EXPERIAN is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given EXPERIAN permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against EXPERIAN for willfully and knowingly violating my consumer rights if this is not rectified within 30 days.
Consumer complaint received 2021-08-31
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: CORELOGIC INC (FL)

I did not authorize this company to pull my credit. I have asked Credco and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

Credco XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or about XX/XX/2023. XXXX XXXX fraudulently placed a Collection Account on my credit reports for XXXX TRANSUNION and XXXX. The collection agency is reporting the debt on behalf of a storage company titled " XXXX XXXX ''. Per its credit reporting of the alleged debt. However, I do not have an account with XXXX XXXX. I did not authorize this account. I do not have a business relationship with this entity. XXXX XXXX did not report to XXXX any previous payment history, monthly payment amount, and only reported that the account is a Collection Account, with no other verifying data provided. XXXX XXXX has never contacted me by mail, phone or otherwise to inform me of the alleged debt. I do not have a XXXX XXXX with XXXX XXXX. I do not owe a debt to XXXX XXXX or XXXX XXXX. XXXX XXXX nor XXXX XXXX has never placed a inquiry of any on my credit reports. XXXX XXXX knowingly and intentionally placed a Collection Account on my credit reports without verifying if the debt was valid or authorized. Further, XXXX XXXX failed to report accurate information by not including data that is necessary to validate a debt. XXXX XXXX has clearly placed another individuals account on my credit reports. Which has directly caused me undue hardship. XXXX immediately removed this fraudulent account from my credit reports. I request that TRANSUNION and XXXX adhere to consumer law concerning not placing inaccurate information on my credit report that are not in good faith verified and authentic.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (PA)

i was trying to inquire about house to buy with option to rent, they check my credit reporting and made me aware of various inquiries that do not belong to me. Due to my reporting showing this item, I am unable to move forward on my daily living.
Consumer complaint received 2020-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Flandreau Santee Sioux Tribe (CA)

I received a notification through XXXX XXXX that there was a change to my credit report. When I checked I saw a collection on my report. I looked up the company that filed ( XXXX XXXX XXXX ) the collection on my report and since I had never heard of the original creditor, I called and asked them to email me the original creditors information. I told them I had never heard of VIP Loans before and this was not mine. They verified my email address said have a nice day and then hung up very fast. They didn't email me any of the information either. I need to get this off my credit report asap,
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Open Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-19
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. (GA)

I was forced to pay off some of my student loans while still in school full time, approximately. XXXX. I believe this was an unfair decision made by the federal student department, with no one accepting responsibility and or trying to help me resolve the issue and refund the money back. The servicer of the majority of the student loans was even changed to avoid responsibility, while further pushing the matter " under the rug '' for the sole purpose of avoidance of error. I am a mother of an autistic son and all money that I have is money needed for daily living expenses, and to have a federal agency misuse my funds in this manner is unspeakable. This was an unfair debt collection practice, and " NO XXXX '' has acknowledged this discrepancy to assist.
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( 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 ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Account Name : XXXX  XXXX Account Number:XXXX  FTC Identity Theft Report : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX Consumer Reporting Agency , XXXX Consumer Reporting Agency , and Transunion Consumer Reporting Agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX on XX/XX/year> under account # XXXX. 


This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account and hard inquiries as reported. The aforementioned account and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account and hard inquiries are the result of identity theft and as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (FL)

XXXX of XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XX/XX/2022 is the date if the initial transaction. 
I purchased a vehicle for XXXX I bought the vehicle as a cpo ( certified pre owned XXXX ) and the Bussiness was committed to honor the cpo status of the vehicle for 2 years or XXXX miles and thats after the new vehicle manufacturer warranty expired and it just did at XXXX i bought the vehicle with XXXX miles on it and have supporting documents that the vehicle was advertised to be CPO. On the two other occasions, that CPO status was active and I didnt have any other issues. The issue at hand is that last Thursday I took my vehicle to XXXX to get its XXXX mile service that is already pre-paid for called XXXX care. XXXX care is completely separate from cpo status. Upon arrival I was informed that my vehicle is not showing a active CPO status. The technician took me to the finance manager ( XXXX ) and he pulled up the deal and he confirmed that I purchased the vehicle as a CPO and that the CPO status should be active from there. He called the used car sales manager ( XXXX ) and ask, did you remember me buying this car as a certified vehicle he said yes, this is the only reason why he bought it was because it was certified so XXXX asks XXXX is it OK if we let them go and figure it out in the XXXX and he said yeah, of course. So the next morning I get a call from the service technician his name is XXXX stating that XXXX the general manager of the dealership said that hes not allowed to service my vehicle and I need to drop the loaner off immediately and pick up my car.. now mind you I bought two cars from this particular dealership and both of my vehicles get service here and the last time I brought my car the status was active. So now Im in complete confusion seeing that Ive never been treated such so I tell XXXX to have XXXX the XXXX call me he never calls me and Monday I get a call from the service manager. His name is XXXX and he tells me that I need to drop his loaner off immediately or hes gon na call the police on me and hes not playing. I asked him to give me some insight on why my car is not reflecting active standing, and he tells me that he does not care about that. All he cares about is loner and drop it off immediately extremely rude. He tells me to take it up with sales now mind you Im not buying a car so I shouldnt have to take it up with sales. This is something that was active a couple months ago and now its not active. Theres some type of air going on, but they did not try to help me fix it whatsoever. They were extremely rude and threaten me with the police and I drop my car off to get serviced and I picked it up still needing to be serviced and the CPO status is still in active
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : XXXX ; XXXX, XXXX & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-29
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. (TX)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Buffalo Auto Acceptance Corp. (NY)

XXXX XXXX XXXX XX/XX/2023 Buffalo Auto Acceptance XXXX XXXX XXXX XXXX XXXX, XXXX, New York, XXXX, United States Subject : Notice of Consumer Rights and Creditor Responsibilities Regarding Rescission and Security Interests To : Buffalo Auto Acceptance/whom may concern I am writing to bring to your attention the rights afforded to consumers and the corresponding responsibilities of creditors regarding rescission and security interests, as outlined by the Code of Federal Regulations ( CFR ) 1026.23 ( d ) ( 1 ) and 1026.23 ( d ) ( 2 ). It is important that both parties are aware of these legal obligations to ensure a fair and transparent resolution. 

According to CFR 1026.23 ( d ) ( 1 ), when a consumer exercises their right of rescission, any security interest associated with the transaction becomes void. This means that your claim or interest in my property, which was established through our credit transaction, is automatically negated. The status of the security interest, whether it was recorded or perfected, is irrelevant to the voiding of the security interest. 

Furthermore, CFR 1026.23 ( d ) ( 2 ) mandates that as the creditor, you are responsible for taking all necessary actions to reflect the termination of the security interest. Even though the security interest is void, it is imperative that you update any relevant documentation or records to accurately indicate the termination of the security interest. This step is crucial to avoid any confusion or potential disputes in the future regarding the existence of the security interest. 

Additionally, I would like to draw your attention to CFR 1026.23 ( d ) ( 2 ) pertaining to the refund of amounts not refundable to the consumer and the reflection of the termination of security interests held by subcontractors or suppliers. It is essential that you act promptly to terminate the security interests held by those subcontractors or suppliers as well. This ensures that I, as the consumer, am no longer encumbered by any security interests related to the credit transaction. 

I kindly request that you comply with the aforementioned regulations and take immediate action to fulfill your responsibilities as outlined by the Consumer Financial Protection Bureau ( CFPB ). This will not only safeguard my rights as a consumer but also contribute to maintaining a fair and transparent credit relationship between us. 

I expect your prompt attention to this matter and a written confirmation detailing the actions taken to comply with the requirements of CFR 1026.23 ( d ) ( 1 ) and 1026.23 ( d ) ( 2 ). 

Thank you for your cooperation in this matter. I look forward to a prompt resolution. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Hello these companies has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off account. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX