davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

please delete the following accounts. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US DEPT OF EDUCATION Account # XXXX XXXX DEPT OF EDUCATION Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX/DEPT OF ED Account # XXXXXXXX XXXXDEPT OF ED Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry Bank - Mortgage Department Inquiry XXXX XXXX XXXX  XXXX  Credit Cards Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX  XXXX XXXX Inquiry
Consumer complaint received 2024-12-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Subject : Complaint Regarding Violations of Federal and State Consumer Protection Laws Parties Involved : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX Affiliated with XXXXXXXX XXXX XXXX XXXX XXXXCredit Acceptance Corporation Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX Manager/Authorized Representative, XXXX XXXX XXXX XXXXXXXX I am filing this complaint regarding fraudulent, deceptive, and unlawful practices in a vehicle purchase on XX/XX/XXXX, involving a XXXX XXXX XXXX  ( VIN : XXXX ). These actions violate the Truth in Lending Act ( TILA ), Consumer Financial Protection Act ( CFPA ), Federal Odometer Laws, and the Alabama Uniform Commercial Code. 
Key Violations : 1.TILA Violations : {$4500.00} down payment misrepresented as part of credit, violating disclosure requirements. 
Finance charges ( 23.99 % ) and amount financed were inaccurately disclosed. 
2.Federal Odometer Act Violations : Odometer reading ( XXXX miles ) omitted clarification on mechanical limits, violating federal disclosure laws. 
3.Failure to Itemize : Fees for title, service contracts, and GAP insurance were not itemized, causing ambiguity. 
4.Unlawful Fees : GAP insurance and extended warranties were added without explanation or consent. 
5.Deceptive Practices : Trade-in value was inflated to manipulate the financed amount.

Legal Remedies Reserved : 1.TILA Vi
olations : Seek statutory damages up to {$5000.00} per violation. 
2.Federal Odometer Act : Demand {$10000.00} or triple damages for odometer violations.

3.State Consumer Protection Laws : Pursue claims under Alabama Consumer Protection Act.

4.Punitive Damages : Request damages for willful violations.

5.Emotional Distress : Claim additional damages for financial and emotional harm. 
Relief Requested : Rescind the Retail Installment Contract immediately. 
Refund the {$4500.00} down payment and associated fees. 
Remove negative credit reporting related to this transaction. 
Pay {$25000.00} in damages for financial, legal, and emotional harm. 
Failure to comply within 24 hours will result in legal escalation, including filing a lawsuit in federal court and complaints to the FTC and Consumer Protection Division. 
Conclusion : The actions by XXXX XXXX XXXX XXXX, its representatives, and Credit Acceptance Corporation have caused significant harm and violated federal and state laws. Immediate resolution is necessary to avoid further action. 
Sincerely, XXXX
Consumer complaint received 2023-08-25
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. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-11
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. (HI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX. XX/XX/2XXXX XXXX
Consumer complaint received 2024-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (FL)

I have a " Fidelity Investment '' credit card serviced by Elan Financial Services that is paid automatically from a Fidelity Investment checking account. 

On XX/XX/XXXX my automatic payment was refused by Fidelity Investment for insufficient fund ( due to an internal error from Fidelity ).

Elan Financial is now charging me a return fee, interest and will report a late payment on my credit report.

Elan Financial did not notify me of this refused payment. I discovered it on my statement.

When I called Elan Financial to complain about this lack of notification, their customer service representative hung up on me.
Consumer complaint received 2023-11-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

On XX/XX/XXXX I purchased a {$500.00} XXXX XXXX XXXX issued by XXXX and serviced by InComm financial services. Upon opening the card, I realized it was tampered with. I called InComm to shut the card down and have it reissued. They asked me to send the front and back of the card, the receipt, and my driver 's license under case XXXX XXXX and tell me it can take up to 30 days to process. I wait until XX/XX/XXXX to call for an update. They ask me to please wait a few more days. On XX/XX/19 I call again. The agent was stuck like a broken record, repeating " you've submitted the documents, they've been received, it's over 30 days, but you haven't received a replacement, just a moment ''. He ultimately could give me no further resolution. So I'm left to make a CFPB complaint to get them to move on this.
Consumer complaint received 2023-01-11
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. (NY)

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These items were deleted then they reported again without notifying me 5 business days after and certifying that the items was validated properly. XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, This collection account is inaccurate XXXX XXXX XXXX - XXXX, This personal information is inaccurate XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY, XXXX.
Consumer complaint received 2023-01-11
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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (GA)

Account number XXXX I Reached out to Navy Federal regarding accounts on my credit report that I believed were Inaccurate because of the account numbers that were listed as XXXX. From speaking to navy Federal initially deleted the account and then resubmitted. I wanted to readdress this account and move forward with our relationship. 

On ( XX/XX/2023 ), I received a copy of my credit report from ( XXXX ). That report lists my payments to you as being 'delinquent. ' My financial problems are now behind me and I am in a position to pay off this debt. I can pay a lump sum amount of {$1500.00} or I can pay installments in the amount of {$130.00} per month for 12 months if you will agree to XXXX of the following : ( ) If I make a lump sum payment, you will agree to remove all negative information from my credit file associated with the debt. 

( ) If I agree to pay off the debt in monthly installments, you agree to 're-age ' my account- making the current month the first repayment month and showing no late payments as long as I make the agreed upon monthly payments. 

If this offer is acceptable to you, please check and initial XXXX of the above choices, sign your acceptance below and return this letter to me in the enclosed envelope. 

Thank you for your time and assistance. 

Sincerely yours, XXXX XXXX XXXX to and accepted to on this _____ day of XXXX, XXXX. 

By : ________________________________ ( Creditor Representative Signature ) Name ( print ) : ___________________________ Company : _________________________ Title : _________________________________
Consumer complaint received 2023-11-29
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. (KY)

TRANSUNION RE : Method Of Verification I am requesting the Method of Verification for the following disputed account ( s ) : Account Name : NE DEPT OF HEALTH Account Number : XXXX File Identification Number:XXXX  This letter shall serve as formal notice of my intent to file a complaint with FTC due to your blatant the and objectionable disregard of the Federal Law. Since you have not given me the names of person with their business addresses that you contacted for verification of the information, so that I could follow up as I requested, I assume that you have not been able to verify the information I have disputed. It is really disappointing to find a credit bureau not following the procedures and not maintaining the accuracy norms as required by the Fair Credit Reporting Act ( FCRA ). This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a DISPUTE! Again I AM NOT DISPUTING THIS ITEM! This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ). Please mail me the proof of your investigation or remove the negative information. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 
1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Your company has never validated or verified these judgement lien entries on my credit report. I need the child support information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Moss Law Firm, P.C. (TX)

Violating 15 USC 1692e, sent validation of debt letter to original company. Per the " XXXX Parts to a Lawful Contract '' this debt was never accurately validated as mine. All I received is statement of account, presumptions and assumptions and threat of a civil lawsuit. I specifically asked to see a valid contract with both parties signatures and didn't receive. I have given more than enough time since I sent my first attempt at verification months ago. If there is no valid contract then how can you attempt to sue on a presumption? I have spent many awake and sleepless hours of my time on this matter and I should receive compensation for my time and postage.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I use BJs gas a lot so I got a credit card at the suggestion so a BJs associate. The dont let you use a XXXX XXXX so I had to use my physical address. I live in a rule area and we only get our Mail through a XXXX XXXX XXXX 
When I did use the card which was once to get gas it was XXXX. Because the Mail went to my street address it was lost for a week or so till the person that got it in the wrong box gave it back. 
Immediately when I got the bill I called told them to let them know and they waved the XXXX late charge. I also asked the representative what I owed and was that everything she said yes and told me it was all taken care of and wiped out. 
I never even looked at the bill in XXXX because I knew I paid it off and there should be nothing on it. XXXX came and I got another bill I opened it and it stated I owed them XXXX. I called them on XXXX XXXX and for 2 hours I went around in circles. The amount was not XXXX its now XXXX. 
The rational is that after I paid the XXXX there is an Interest of XXXX fee. A fee I knew nothing about. The representative I talked to said I owed nothing else. After talking to both the representative of capital one and the supervisor XXXX ID NUMBER XXXX. They told me they would wave the 1.50 interest charge but I will still have to pay the XXXX. I said if your waving the 1.50 interest charge thats what you assessed the late fees on then those should also be taken away. He informed me that if I dont pay these charges by XXXX XXXX I will keep accumulating XXXX charges all going on my credit report. For a card that was suppose to save me money on gas I now am paying XXXX for a tank of gas. 
I told them to turn off the card that none of this made any since. 
All of these call are taped Im sure and I dont know where to go with it. What a rip off. Then I found out that capital one has done the same thing to other people I know. Which is why Im coming to you.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo gave me a credit limit of XXXX, then when I was using the card, they just dropped my credit limit to under my balance, then charged me late fees and raised rate of late charges! I paid the card off, I was using the card monthly and they had a XXXX credit limit. I was using my card and paying it off at the end of the month to increase my points on 1.5 % on purchases! I was then hit with them again with them lowering my credit limit again to my balance for what they said was the way I was using my card is not what Wells Fargo XXXX department said! Now I have a XXXX fico score and they said that my use of the card was not what they wanted because I had low credit scores! So this is a lie because they said it was pattern based usage of the card! Then they charged fees and outrageous fees for cash transactions that I never made! I told them this should be illegal, apparently they have been doing a bunch of illegal transactions!
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX and XXXX XXXX are reporting late payments on my auto loan account XXXX. I previously disputed this account in the past and they have failed to validated and provide proof of the following. 
I would like proof of each late payment, the amount of the fees, and rather the balance adds up correctly for the dates listed below. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If you are unable to verify the items listed above, please remove the late payments in pursuant of 15 USC 1666 Correction Of Billing Errors. 
Thank You
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NRA Group, LLC (NC)

ON XX/XX/XXXX  I sent a dispute letter challenging the XXXX of account # XXXX. From Company NATL Recover Agency. I asked them to send me substantial evidence of appearance of this account on my consumer report. I sent this letter certified mail to assure it would arrive to this company. NATL did not respond to my concern and has left me to seek more assistance. The laws by FCRA is 30-45 days. It has been well over the given time frame and i have yet to receive a response. I ask this account to be removed from my file as it has not been proven it indeed belongs to me. 

Tracking Number # XXXX
Consumer complaint received 2023-10-17
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-01-20
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. (AR)

I am formally requesting this CFPPB Complaint to update the listed account in my credit profile which is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$24000.00} - You are reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be corrected.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried to obtain my free annual credit report from the company. After completing all the steps that were required in order to obtain the report. it stated they were unable to provide me with one and that I would need to call each bureau. I have called each credit reporting bureau and requested the credit report. Each bureau stated they would be mailing out the credit report. After waiting over 30 days I have yet to receive the credit report.