davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
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. (IL)

The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate, last payment, and term length? This is grounds for removal. They also violated my rights under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 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.
Consumer complaint received 2022-08-07
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: LEXISNEXIS (TX)

LexisNexis reported to XXXX, XXXX, & XXXX information concerning my bankruptcy by getting the information from PACER, a system of records used by the Federal government to store public records.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I entered into a payment agreement with XXXX XXXX XXXX in XXXX of 2021 to pay off Kohl 's Charge Card and a few other lenders. I have been making on time payments of {$10.00} a month. Kohl 's has apparently ( I just reviewed my credit report today ) been reporting me late since XXXX of last year- which I have never been ( see attached images ).
Consumer complaint received 2024-10-29
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: EQUIFAX, 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.

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 2019-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have told Transunion several times that these things DO NOT belong to me. I have submitted an identity theft report and police report in the past and they continue to report fraudulent information. I am asking again that the following things be removed because they are not mine and I did not give any company permission to review my credit report. Louisiana XXXX XXXX & the following inquires XXXX/XXXX, XXXX/XXXX, XXXX XXXX and XXXX. I have never lived at the following address either XXXX XXXX XXXX XXXX XXXX AL XXXX & XXXX XXXX XXXX XXXX, LA XXXX.
Consumer complaint received 2022-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

XXXX need to update my credit report ASAP they been reporting inaccurate information on my credit report I provide a screenshot from XXXX removing all fake account from my credit report This is hurting my client need to be removed from all credit bureau AND ALL INQUIRIES LISTED
Consumer complaint received 2022-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UNITED CREDIT CORP. OF SOUTHAVEN (LA)

I haven't been working because I have been sick from XXXX. I told the manager and her assistant that I haven't been able to go back to work yet. So on XX/XX/2022 XXXX of the ladies called my cell phone from her cell phone telling me that I need to make a payment immediately and I told her I was not working because of XXXX. I told her she was not supposed to call me from her cell phone because I had the right. After that, on XX/XX/2022 the supervisor called my cellphone from her cellphone and threaten me by telling me if I did not make a payment immediately that she was going to file suit against me. Now she knows that I am not working and know that I am out of work because of XXXX. The supervisor has a very nasty attitude and she is rude. She won't call me from the office phone she is constantly calling me from her cell phone and I want her to stop harassing me. The name of the company she works for is XXXX XXXX in XXXXXXXX XXXX the Supervisor 's name is XXXX XXXX and the assistant that has been calling is name is XXXX XXXX.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

My bank, Wells Fargo, notified me by email on XX/XX/2021 that they had detected unusual activity on my debit card. On XX/XX/2021, when I read the email I checked my account online and found that there were three unauthorized charges, one of which Wells Fargo had already reversed. 

I filed a fraud claim on XX/XX/2021 for the charges that I did not make. The first charge was made XX/XX/2021 for the amount of {$160.00}. The second charge was made on XX/XX/2021 for {$240.00}. There was a 3rd charge that was reversed. It was readily acknowledged that the other charge was fraud. According to bank records, all three charges had the same thing in common- they were for an exorbitant amount of gas within a two day period at XXXX stores. 

I received notice by mail on XX/XX/2021 that my claim was denied. I called the number provided to ask for the reasons for the decision and how to appeal. I was told by three different people on three different phone calls, once on XX/XX/2021, and twice on XX/XX/2021, that I could not appeal the decision. They also said it would take a ridiculous 30 days to receive an explanation letter. 

The denial letter states in part that their decision was made based on my banking history, however according to my banking information, the charges were made for large amounts of gasoline at XXXX stores within a two day period. One charge was made in XXXX, Washington. 
If they did go back through my banking history, they would have seen that I have never purchased that much gas at any one time, that I do not go to XXXX, and I have not patronized XXXX. These points alone should be enough to indicate fraudulent activity. Also, my other purchase history for the dates in question shows that I was not even in the areas these fraudulent charges were made. XXXX is a two hour drive and XXXX a four hour drive. I was at or near my residence both times. I do have witnesses to that effect. 

The denial letter also said that because the debit card was in my possession and my pin number was used, that they determined I, or someone with my permission, used the card. I maintain that it was not me and I did not authorize anyone to make any purchases. 

I believe that Wells Fargo has not acted in good faith, especially considering they say that I can not appeal.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX is reporting a past account that was closed due to FRCA violations as a new account. This needs to be fixed or removed. The debt was parked according to XXXX and they can report as many times as they want I am told.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My complaint is about my personal information is being reported wrong. 
They are housing these incorrect addresses on my report which I have tried several times to get these wrong addresses off my report which they are not mine and I have never lived there in by Law if I never lived at these locations to avoid FRUAD and they need to remove these incorrect addresses.. 

I contacted these TRANSUNION, XXXX AND XXXX on XX/XX/2022, XX/XX/2022 and they haven't resolve the issue. 

In addition to XXXX they are reporting the wrong birth date on my report and they I asked to to fix it several times and they still haven't fix this issue.
Consumer complaint received 2022-08-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (VA)

Hi, I applied for a Discover it card in XXXX last year. The card arrived on XXXX XXXX but I went on a vacation on XXXX XXXX so I missed the mail. 20 days later when I got back, I couldn't activate my card. I contacted the customer service, and they said that my account was closed, and I can only apply for a new card in the future. 

Recently when I applied for a new card at Discover, I was declined and the reason was 'insufficient credit score '. I have no other credit cards and only have applied at Discover, so I assume that the inactivated card affects my credit score.

On the Discover website, it says that Your card issuer may contact you if you havent activated your card after a certain amount of time ( typically 45 to 60 days ). That's far longer than 20 days, and I was never contacted by any means. My account is directly closed without warning, which severely affects my credit scores. I can't get a credit card now.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (FL)

Good Morning Team Experian Credit Bureau Charging my account adding Inquiries in my file I never heard of I had talk to the Department to remove the wrong stuff what was added to remove old address Department told me nothing the Credit Department can do to get it off. I put in a fraud for vehicle i havent seen it called customer service for they added in my file.
Consumer complaint received 2024-08-29
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX - Delete this account because you are inaccurately reporting ( STATUS, BALANCE. XXXX : Balance {$10000.00}, Balance updated XX/XX/XXXX, XXXX Account charged off. {$31000.00} written off. 
Status updated XX/XX/XXXX, Last payment date XX/XX/XXXX, Balance details Paid offXXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE MONTHS Original balance XXXX Original balance {$21000.00} In Transunion : XXXX updated, XX/XX/XXXX, Original balance $ XXXX Charged off as bad debt.Status updated XX/XX/XXXX You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2022-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

On XX/XX/XXXX I paid off XXXX XXXX XXXX with EdFinancial, my loan service provider. On XX/XX/XXXX I made a payment of {$340.00} to XXXX XXXX XXXX with EdFinancial. The payment was misallocated to XXXX XXXX XXXX by EdFinancial. I did not notice this mistake until XXXX, XXXX. At first I believe I had somehow selected an incorrect loan group while making my payment, but was confused as I didn't believe I'd be able to make a payment to a paid off loan. However, after contacting EdFinancial to receive assistance is correcting the payment, I was told they had a system-wide error in XXXX causing many payments to be misallocated. The agent on the phone told me no attempt to contact me to inform me of the error had been made, because many clients were calling them with the same issue, so they didn't have time to provide a notice. I asked if the error would be corrected before the forbearance period ended on XX/XX/XXXX, they said they were unsure and couldn't provide a resolution timeline. I reached out via email to receive assistance as well and they said they could submit a " request to our Finance Department to review [ the ] account. '' I received an email on XX/XX/XXXX saying they had resolved the issue. However, when I logged into my account to review the correction on XX/XX/XXXX I found that they had not corrected the error. Instead, they had left the payment from XX/XX/XXXX incorrect and moved my pay-off payment from XX/XX/XXXX to another loan group, incorrectly. Now XXXX XXXX XXXX is incorrectly paid off and XXXX XXXX has a remaining balance of {$770.00} instead of being paid off. I called EdFinancial to remedy this on XX/XX/XXXX and they said they'd try to correct it in the next 7-10 business days, but I'd have to be patient as they have hundreds of these corrections to complete. However, this issue is persisting and the Forbearance period is ending soon and I will have to pay a higher interest rate on Loan G instead of Loan C. I've been going back and forth for an error on their part for a month and they seem to be making the initial issue worse rather than resolving. Additionally, when I ask how I can make sure this issue is documented, they say they are unable to provide any documentation.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (NV)

This is regarding the final invoice for my XXXX XXXX XXXX XXXX leased from XX/XX/XXXX to XX/XX/XXXX. Leased out by Volkswagen ( VW ) financial. 

I have a copy of a work order from the XXXX XXXX ( Nevada ) service department that shows that I brought the vehicle in for repairs XX/XX/XXXX and the car was not repairable till the end of my lease in XX/XX/XXXX. I have basically had no use of the car despite having made payments on it for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had no idea that I had to do a formal turn in of a vehicle that was already at the dealership in a non-functional state. I assumed that they would have contacted XXXX XXXX to ground the vehicle at the expiration of the lease on XX/XX/XXXX. As soon as I learned that I needed to contact VW financial myself rather than the dealership, I did so on XX/XX/XXXX. 

I contacted VW customer service on the phone, and they recommended that I email the customer service for the financial department a document showing that the vehicle was in fact at the dealership through the end of the lease and not in use. I sent them that document and an email explaining the circumstances to them about 10 days ago and resent it 2 more times in the past week without any response. 

My request to VW is update the amount I owe after removal of the excess past maturity fees ( approximately {$900.00} ) and the late fees ( approximately {$50.00} ) since I was not even using the car past the lease date. 

Thank you. 
Sincerely XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have reached out to XXXX, XXXX, and equifax 5 or 6 times questioning the reporting of this unknown account XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) each time it comes back verified ... I have no idea what this account is ... .i am writing this complaint not only because i have no idea what this is but they are reporting the account on my report twice... they are double dipping which is a violation of my consumer rights...... the bureaus should be held accountable for the pencil whipping they do... I need these accounts removed from my reports immediately ... i have included and attachment
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (NJ)

We have been trying to get a modification from Statebridge Mortgage and they have been jerking us around. We have applied several times. The last time we applied, they denied us, with a reason that they required {$27000.00} for a modification. PLEASE NOTE, NO ONE TOLD US THAT {$27000.00} WAS REQUIRED, THE ONLY TIME WE KNEW THAT WAS IN THE DENIAL LETTER. HOW CAN THEY DENY FOR SOMETHING THEY NEVER ACTUALLY REQUESTED FROM US? 
Anyway, a sheriff sake date was set for XX/XX/XXXX, and we applied for an extension and was given adjournment till XX/XX/XXXX being the new sale date. We then sent in another modification request and they have totally ignored us. There is not even a response to the application we sent in, and when we call, the customer service person does not have any information, and the representative assigned to our file XXXX XXXX, has NEVER HAD A CONVERSATION WITH US, NEVER RESPONDED TO AN EMAIL, AND NEVER AVAILABLE TO TALK. We were told that she tried calling ONE TIME a few weeks ago, but didnt try to at least respond to any emails weve sent. 
STATEBRIDGE WANTS TO TAKE OUR HOUSE JUST BECAUSE WE OWE UNDER {$100000.00}, AND THE HOUSE IS WORTH OVER {>= $1,000,000}! THEY ARE TRYING TO HAVE US LOSE THE THOUSANDS WE HAVE WORKED HARD OVER THE MANY YEARS AND PAID ON OUR INVESTMENT.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : Inquiries : 1. XXXX/XXXX-Date of inquiry XX/XX/XXXX 2. XXXX-Date of inquiry XX/XX/XXXX 3. XXXX-Date of inquiry XX/XX/XXXX 4. XXXX-Date of inquiry XX/XX/XXXX