davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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: Specialized Loan Servicing Holdings LLC (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the XXXX credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
SPECIALIZED LOAN SERVI XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2022-09-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Consumer complaint received 2023-07-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Volvo Car Financial Services U.S., LLC (TX)

I never received a loan. Each party received actual cash value on the exchange. You have performed fraudulent Title 15 collections against me, making me believe I receive a loan from you. I received no such Thing. It was an exchange of actual cash value for actual cash valueXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Has material breaches of the binding arbitration agreement that was entered into on XX/XX/2022, have occurred. 15 U.S. CODE 1640 ( A ) RETURN OF PROPERTY THE SUM of XXXX XXXX XXXX XXXX XXXX  and XXXX cents. {$150000.00} PAYABLE TO XXXX XXXX XXXX XXXX 15 U.S. CODE 1635 ( B ) Return of automobile XXXX  XXXX XXXX Vin : XXXX 15 U.S. CODE 1635 ( F ) RESCIND OF CONTRACT AS IT WAS NOT PROVIDED 15 U.S. CODE 1644 ( A ) LL ADVERSE NEGATIVE REPORTING TO ALL CREDIT REPORTING AGENCIES UPDATED AS NEVER LATE PAID IN FULL UCC 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT Debt discharged, and a settlement. according to Uniform Commercial Code Section 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the instrument is refused, there is discharge to the extent of the amount of the tender of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. '' An EFT is an offer to pay. It is also a " bill of exchange.

Bill of Exchange Act 1882 : 43 Dishonor by non-acceptance and its consequences A bill is dishonored by non-acceptance UCC 3-415. OBLIGATION OF INDORSER ( c ) If notice of dishonor of an instrument is required by Section 3-503 and notice of dishonor complying with that section is not given to an indorser, the liability of the indorser under subsection ( a ) is discharged.

Uniform Commercial Code Section 3-604 : Any party making full tender of payment to a holder when or after it is due is discharged to the extent of all subsequent liability for interest, costs, and attorney 's fees. The holder 's refusal of such tender wholly discharges any party who has a right of recourse against the party making tender. 
Where the maker or acceptor of an instrument payable otherwise than on demand is able and ready to pay at every place of payment specified in the instrument when it is due is equivalent to tender.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I went car shopping and got a preapproval from XXXX XXXX XXXX XXXX. The lady that helped me at XXXX XXXX XXXX in XXXX, CA insisted on running the credit again on their end and ran it 3 more times that same day. 

She said it would count as 1, but I have 4 hard inquiries that day. 

To top it off, they didn't even have the vehicle in stock that I wanted. They lured me in saying they had it in the back only to come back and say they had sold it, after running the credit.
Consumer complaint received 2022-10-29
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. (IL)

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

Account name : XXXX XXXX XXXX # XXXX has violated my rights. Account name : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: WELLS FARGO & COMPANY (FL)

My Personal information is clearly not recognized in most systems because i can barely open a regular checking account to deposit my work checks. I don't know why this is happening but it is becoming a big problem for me due to the fact that i am trying t make a living and the constant failures for systems to pick up my info is making things difficult for me.
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

All of these hard inquires are fraudulent I didn't authorized these inquires i never applied with these companies Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Collections
Consumer complaint received 2023-03-25
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. (CA)

I am writing to dispute the information contained in my credit report, which I believe violates several federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

Specifically, I am disputing the following items on my credit report : Account Number : XXXX - I have no recollection of ever having an account with this number. As such, I believe it is a frivolous account and must be removed from my credit report immediately, in accordance with the FCRA. 

Personal Information - The name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Former Name- The former name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Unauthorized Inquiry- I have no recollection of authorizing the credit pull by " XXXX '' on XXXX/XXXX/2021, and I demand that it be removed from my report immediately, in accordance with the FCRA. 

Incorrect Personal Information - The former name " XXXX XXXX '' and " XXXX XXXX XXXX  '' belong to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Incorrect Address - The address " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' belongs to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Furthermore, I believe that the above items violate other federal laws, including the FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA, and I demand that you take corrective action in accordance with those laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I WANT TRANSUNION TO STOP REPORTING ; XXXX XXXX XXXX XXXX XXXX XXXX AND ANY OTHER DEBT ON MY CREDIT REPORT WITHOUT A DEBT VALIDATION CLAIM.THAT IS, 1.DETAILED LIST OF PAYMENT HISTORY ON THE ACCOUNT 2.ORIGINAL SIGNATURE THAT I AGREED TO ON CONTRACT FOR THESE CREDITORS 3.HAS THERE BEEN ANY INSURANCE CLAIM FILED ON THIS DEBT 4.CHAIN OF TITLE THAT YOU HAVE TO COLLECT ON POSTED DEBTS FAILURE TO DO SO UNDER 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT SAID CREDITORS MUST PROVIDE THIS INFORMATION IN WRITING WITHIN 5 DAYS, OR THESE NEGATIVE ITEMS MUST BE DELETED FROM MY REPORT.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2022 I went to log into my Bank of America online banking and wasnt allowed. I reached out the financial institution and no information was provided, except the bank is closing your account for undisclosed reasons. I expressed that I had money in my account and a child to feed as well as bills to pay and transportation to get to and from work. They said theres is nothing they can do. I just have to wait.
Consumer complaint received 2023-03-25
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. (MI)

I am writing to file a dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ). These creditors have reported inaccurate information related to my credit history, which has significantly affected my financial well-being and credit score. I request that the Consumer Financial Protection Bureau ( CFPB ) enforces legal action against them. 

Firstly, XXXX Credit Bureau and XXXX XXXX XXXX XXXX XXXX have both performed unauthorized inquiries that are beyond the statute of limitations. This is a clear violation of the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX have all reported inaccurate information related to late payments, which affects my credit score. This has caused significant financial hardship for me, as it has impacted my ability to obtain loans or credit. 

Furthermore, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have all reported frivolous accounts that I have no association with. This is a serious violation of the FCRA and has caused me great emotional distress, as I have had to deal with the repercussions of these false reports. 

As a result of these violations, I have been denied credit, had higher interest rates imposed on me, and have experienced difficulties in obtaining insurance and housing. This has had a significant impact on my life, causing me undue stress and hardship. 

Therefore, I request that the creditors in question remove these unverified collection accounts from my credit report immediately. I also ask that the CFPB takes appropriate action to enforce the FCRA and protect consumers from such unlawful practices in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with The Fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681 section 602A- States I have the right to privacy 15 USC 1681 section 604A section 2 - States a consumer reporting agency can not furnish an account without my written instruction. 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. 

I HAVE SENT CERTIFIED MAIL 3 TIMES TO ALL 3 ( XXXX, TRANSUNION, XXXX ) NONE OF WHICH WERE RESPONDED TOO ON ANY OF THESE ACCOUNTS. ALSO ONE TIME I DID RECIEVE SOMETHING FROM TRANSUNION SAYING THAT THE INFORMATION IS VALID.

FIRST OF ALL THIS SHOULD OF BEEN TAKEN OFF MY CREDIT REPORT AFTER THE FIRST FAILED ATTEMPT TO RESPOND WITHIN 30 DAYS.

SECOND I CHALLENGE THE VALIDITY ON ALL OF THESE ACCOUNTS, PROVE TO ME THE VALIDITY OR TAKE THIS OFF MY CREDIT ONCE AND FOR ALL OR I WILL BE CONTACTING A LAWYER AND TAKING ALL 3 TO SMALL CLAIMS COURT, THIS IS INSANE AND NOT THE WAY YOU ALL CONDUCT BUSINESS. 


I DEMAND ALL OF THESE ACCOUNTS TAKEN OFF MY CREDIT, THIS IS MY LAST AND FINAL ATTEMPT BEFORE I PURSUE LEGAL ACTION!
Consumer complaint received 2023-03-25
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. (MI)

I am writing to file a dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ). These creditors have reported inaccurate information related to my credit history, which has significantly affected my financial well-being and credit score. I request that the Consumer Financial Protection Bureau ( CFPB ) enforces legal action against them. 

Firstly, XXXXXXXX XXXX XXXX and US SM BUS ADMIN ODA have both performed unauthorized inquiries that are beyond the statute of limitations. This is a clear violation of the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX have all reported inaccurate information related to late payments, which affects my credit score. This has caused significant financial hardship for me, as it has impacted my ability to obtain loans or credit. 

Furthermore, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX have all reported frivolous accounts that I have no association with. This is a serious violation of the FCRA and has caused me great emotional distress, as I have had to deal with the repercussions of these false reports. 

As a result of these violations, I have been denied credit, had higher interest rates imposed on me, and have experienced difficulties in obtaining insurance and housing. This has had a significant impact on my life, causing me undue stress and hardship. 

Therefore, I request that the creditors in question remove these unverified collection accounts from my credit report immediately. I also ask that the CFPB takes appropriate action to enforce the FCRA and protect consumers from such unlawful practices in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX  XXXX XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (NV)

I opened an account with Upgrade for a cash back card in roughly XXXX of XXXX After using it a month I realized it was not a traditional unsecured card with a grace period on purchases but a charge card that charged interest as soon as a charge was made. As I had not interest in this type of account I paid it off and sent an email to try to close the account. They responded that I had to call to close the account. I did so for the first time in XXXX of XXXX. Since then I have been receiving monthly card statements ( always for {$0.00} ) about my account. Each time I log into my account online it shows as active. I have since called two more times to close the account and, just like the first time, have been ensured each time that the account has finally been closed. Each call has taken well over an hour as the company will put me on hold, transfer the call, and disconnect so I have to call back. I have just received another email and verified my account is still active, over a year after I first tried to close the account. I want this resolved as I do not trust the company and feel it is a security risk to continue to have a financial relationship with them.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

We have come to find out that our account was hacked and thieves have been making purchases through a virtual card which the bank allows them to use. These thieves have our personal information and anyone that had access to that can basically sign onto their system, set up a false virtual card number, and start making purchases. The bank even issues them a pin code. And they do not validate just assume it's us! WOW! Our bank accounts and limited credit cards, even though replaced, have experienced this!