davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate.

But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report Did you interview my neighbors? Did you interview my friends? How did you talk to? 
I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same Information.

One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.
Consumer complaint received 2023-12-29
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The XXXX and Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Portfolio Services, Inc. (PA)

This company, Consumer Portfolio Services, is falsely reporting an item on my credit report while ignoring my request to verify this account. In XX/XX/XXXX they sold this account to another company by the name of XXXX XXXX. In XXXX, I contacted both companies via certified mail requesting verification of this item. Since XXXX XXXX has stopped reporting this item however Consumer Portfolio isn't after many attempts to correct this situation. Currently they are reporting a charged off amount of {$12000.00}. This item is severely impacting my credit and livelihood in a negative way.
Consumer complaint received 2022-10-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION (FL)

On XX/XX/2022 I was contacted by XXXX  with XXXX XXXXXXXX XXXX which was a pre trial mediator regarding a debt with XXXX XXXX XXXX XXXX XXXX XXXX which I was not familiar with. She threatened that I would be served and would be taken to court. When I expressed that I did not have knowledge of a pay day loan and if she could give me more information she stated she did not have the amount of the loan that I owed and that she had no information on the company. She continued to raise her voice and say that she was going to look up my social and my credit to see if I had a fraud alert because I was not aware of this debt and as I did not have a police report or a fraud alert I would be liable and would be taken to court and served papers to appear in court. I am not aware of a loan with Check N Go and I requested more information ( amount, date, account number, etc ) and she refused to provide, she continued to yell at me and said I would be served and hung up the phone.
Consumer complaint received 2023-01-26
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RMS-Recovery Management Services, Inc. (NY)

account number # XXXX I do not give your company permission to share, sell, release, buy or report information derived from my consumer profile and that was derived from your data files within your systems. Reporting to affiliates or any XXXX-party affiliates ( XXXX, XXXX, XXXX ) violates my privacy. The information you are furnishing to CRA 's is inaccurate and incomplete. I am a consumer who has been the victim of fraud. I have a fraud alert on my credit profile that was ignored by your company to issue credit. I did not give XXXX XXXX XXXX XXXX New York Permission to sell, share, release any of my consumer credit profile.
Consumer complaint received 2022-10-13
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. (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 XXXX Account # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX Account # XXXX has violated my rights, XXXX  XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT XXXX XXXX, has violated my rights, XXXX XXXX  account # XXXX has violated my rights, XXXX  XXXX account # XXXX has violated my rights, XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX  ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 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 1681 section 602 ( A ) States I have the right to privacy. 15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item 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 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-13
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. (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 XXXX Account # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX Account # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT XXXX XXXX, has violated my rights, XXXXXXXX XXXX  account # XXXX has violated my rights, XXXX XXXX account # XXXX has violated my rights, XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 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 1681 section 602 ( A ) States I have the right to privacy. 15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item 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 168s-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 2022-07-29
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)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thanks, you
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (OH)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thanks, you
Consumer complaint received 2024-10-18
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. (AL)

I would like to request the removal of several unauthorized inquiries from my credit report. These inquiries were made without my consent and are negatively affecting my credit score. I have carefully reviewed my credit report and identified these inquiries as being inaccurate. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report, and I kindly ask for your assistance in resolving this matter by having these inquiries removed promptly. I appreciate your attention to this issue and look forward to your response.
Consumer complaint received 2022-10-13
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. (MO)

This is now the SECOND complaint since last month ... ..ALLY BANK is continuing it's harassment involving getting the Title to the van I paid off 16 MONTHS EARLY ... ..on the other complaint I received the usual sarcastic letter saying that they will ABSORB THE {$1.00} LOSS and told me that I have to go to the DMV to get the Title ... ..I stated in the first complaint that ... .I NEVER HAD TO DO THIS WITH THE OTHER FOUR NEW VEHICLES I PAID OFF OVER THE YEARS! They stated that in Missouri I just go to the DMV and do it there ... ... ... .ANOTHER LIE BY THIS BANK!!! I drove the 40 miles to the DMV office and they said ... ..THE BANK HAS TO SUPPLY THE TITLE ... .THEY JUST NOTARIZE IT AS OFFICIAL WHEN I BRING IT IN WITH THE LEAN RELEASE!!! This is the same type of run-around I've been getting from this Bank for THREE YEARS!!. 

ONCE AGAIN, CAN YOU PLEASE GET THIS POOR EXCUSE FOR A BANK TO SEND ME MY TITLE... ..IT 'S BEEN 8 MONTHS SINCE I PAID OFF THE LOAN. Again, if you go on line to the BBB or their Social Media pages, you will see that they do this OFTEN, especially for folks that pay their loans early or have some sort of dispute with them, as stated in the complaints. PLEASE HELP ME WITH THIS, I DON'T KNOW WHERE TO TURN.
Consumer complaint received 2022-10-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 XXXX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-10-13
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. (NJ)

I recently requested my credit report history from TransUnion on XX/XX/2022. I received a response from them via mail Stating that they were unable to locate a report for me. I know this to be an accurate because I then requested for a report from the same company XXXX TransUnion ) online. Once I did this I was able to not only find a history but discovered that they reported 4 Late accounts, 4 accounts in collection to a total of {$2700.00} as well as a misspelling of my name. They reported my name as XXXX XXXX however the correct spelling is XXXX XXXX. In addition they reported 0 open accounts however on the report details all 4 accounts are said to be currently active/open. These findings create a negative impact to my credit and has caused confusion and fear that my personal security and credit reporting record has been breached and or compromised. I would like for them to remove any and all derogatory and and or inaccurate information including a correction of the spelling of my name.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (WY)

On XX/XX/2022, a check from XXXX XXXX  XXXX XXXX XXXX, XXXX WY, XXXX, was cut to all 3 account owners payable to all three owners at the close of this account with XXXX XXXX, in the amount of {$62000.00}. On XX/XX/2022, Chase Bank, XXXX XXXX XXXX XXXX, XXXX WY, XXXX deposited said check without a single endorsement, just stamped " Credited to account of within named payee for deposit only ''. The account that the money was deposited only belongs to one of the payees. All Payees ' were to endorse this check for deposit. 
Once learning of this deposit, I first called XXXX XXXX  and asked for an explanation. They provided me with a copy of the cleared check and explained that I would need to contact Chase Bank for resolution. I then called Chase Bank in XXXX WY and spoke with the Branch Manager. She said this check should of never been deposited without all three signatures and offered her apologies. I have followed up with her on several occasions and all I get is that this is out of her hands and that their home office is handling the resolution of this, however, there has not been any resolution. 

On XX/XX/2022 XXXX asked me to come into the branch and sign an affidavit for improper endorsement, which was then sent to Chase Bank. XXXX received and email from Chase Bank notifying of receipt of the affidavit. 
On XX/XX/2022 I received a call from the complaint installation group for Chase, He said there was nothing he could do to help and he would transfer me to the Fraud Complaint Department. I then spoke with that department, he too said he could not help me because I am not on the account in question. I agreed and said in there lies the problem. He stated to me that the only way to resolve this was for the Chase customer who made the deposit to contact him. 
I then spoke with the Wyoming XXXX XXXX for XXXX. He assured me there isn't anything that XXXX can do to resolve this issue. He stated we filed the affidavit as to protocol, and it is up to Chase to fix this because Chase was the bank of deposit which makes them liable for not having proper signage or endorsement. 
I have also opened a case with the XXXX Police Department, but they suggested we try work with the bank first to get resolution, which isn't going anywhere. 
On XXXX XXXX, XXXX  I called Chase Bank Headquarters in New York, Explained the situation and she advised that if the Branch Manager isn't doing everything to resolve the issue then I should proceed with a complaint with Consumer Financial Protection Bureau. 
The only resolution to this is to have the check re-issued and all endorsements made prior to deposit. Then, said check should then be mailed to myself and the other owner, not the owner and his guardian who has already knowingly deposited funds without proper signage. 
***All names, contact info, address available if you need them, I did not add all this info as per the instructions above***
Consumer complaint received 2024-11-18
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. (SC)

I am writing to formally request the blocking and deletion of fraudulent accounts reported on my credit file, in accordance with **15 USC 1681c-2 ( a ) **. As a victim of identity theft connected to the XXXX data breach, I have noticed accounts or inquiries that are not authorized by me. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that Transunion immediately block and delete the following fraudulent accounts and inquiries from my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-11-09
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. (WI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 inf
ormation, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-13
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. (VA)

I attempted to dispute these online via the application using XXXX, to no avail.I never authorized XXXX, Department of Education XXXX XXXX XXXX XXXX, or XXXX to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since XXXX, therefore all debt is XXXX and otherwise the responsibility of the United States. In accordance with XXXX XXXX Part XXXX and the Privacy Act of XXXX, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are XXXX years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are XXXX total entries totaling {$24000.00}. Transunion, XXXX, and XXXX are not even credit bureaus, they are private agencies playing with people 's lives. Straight fraud!
Consumer complaint received 2022-07-29
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. (TX)

In accordance with the Credit Reporting act XXXX XXXX XXXXXXXX Account # 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-07-29
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. (TX)

In accordance with the Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-10-13
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 sent out all that was required of me by XXXX and Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a BBB report.