davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX
Consumer complaint received 2023-05-22
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. (MI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (KY)

This company has repeated called me over and over from different numbers. I spoke to a representative on XX/XX/XXXX and informed her please do not contact unless it is by mail. The company called again repeatedly on XX/XX/XXXX and I told them I would be contacting the government in reference to their constant badgering and also not proving the debt. The name of the company is Sequium Asset Solutions
Consumer complaint received 2023-05-22
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. (NY)

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 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX 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 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : MEDICAL XXXX
Consumer complaint received 2019-10-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: FactorTrust, Inc. (NM)

I have continually request to be opted out of these unsolicited offers to apply. I put a freeze on my credit. I am offended that my information is being shared in the first place. I did not request to be contacted or directly agree to my information being shared. When I opt out of one, two more are sent. It's like cutting off a head of hydra. I would like all offers to stop and not repeat under a different name.
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CT)

I have a chase auto loan that i started in XXXX of XXXX for a XXXX XXXX. This is my first car loan/lease so i was adamant that i wanted to have everything setup correctly. i made my first payment on the lease and then setup reoccuring autopayments as i wanted to be a responsible lease recipient and build my good credit history for the future. This auto repayment did not engage and in the second or third month of the lease i received a call informing me that i was past due. i made the past due payments with additional fees charged to me as a result of the late payments and setup auto payments again to recurr every month. This once again did not come into effect. and i was for a second time charged with additional late fees as a result of some issue with the billing on chase 's side. i asked the support person why i had not received any notice of this and the company had put me on a cease and desist list. This is wholey and entirely chase 's faulty for repeatedly reassuring me that my auto payments would work and that they would contact me if there were issues, which they did not, instead i was given no notices and never contacted. I enjoy my car and pay for it but i am getting scammed by my lease company, Chase Auto finance, because their system continually reverts the options i make to keep my account in good standing.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Title : Identity Theft - Unknown Entity Applying for Credit Card with Bank of America On XX/XX/2023 I received two emails at XXXX and XXXX ( EST ). 

The first email was sent from what appeared to be Bank of America : XXXX, subject line read " Verify your email address '', the body of the email gave a link to confirm email address. 

The second email was also sent from what appeared to be Bank of America : XXXX, subject line read " Your Credit Card Application Has Been Received '', the body of the email read : " Your credit card application has been received, We wanted to let you know that we've received your application for the Free Spirit Travel More World Elite Mastercard. We're currently reviewing your information and you can check your application status online at any time. Your application reference number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   '' I then contacted Bank of America credit fraud services- which they cancelled the credit card application and filed a fraud report, which they told me it will remove from my credit report. 

I then contacted XXXX, to update them and create a fraud report for the inquire that was made in my name. 

I have also changed my email password immediately after identifying the concern.
Consumer complaint received 2019-10-08
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: Westlake Services, LLC (DC)

I was recently hospitalized after returning from my trip to the XXXX XXXX. I was in the hospital for 3 months. During that time I was out of work. Westlake Financial closed my account without any warning and charge off my account. Now they are refusing to release my title. Not only did they cause issues with my employer Im dont have my case title. 

Im at the end of my loan, and theyve placed me in a hardship because of their illegal reporting
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX Account Number : Account Number : XXXXXXXX XXXX XXXX Account Number : Account Number : XXXX XXXX Account Number : Account Number : XXXX XXXX XXXX XXXX Account Number : Account Number : XXXX
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TX)

I sent a Notarized Affidavit Billing error notice alone with the XXXX XXXX XXXX remittance coupon which is also a legal payment of tender under XXXX to Regional Acceptance Corporation requesting records under 12 U.S. Code 5562 ( c ) ( 10 ), to be made under a sworn certificate by a person. And that they weren't allowed to report anything to the credit reporting agencies without my written permission. Regional Acceptance Corporation received an EFT Payment on XX/XX/2022 and it was processed and I never received an Notice that payment was returned. Then Regional Acceptance Corporation sent a bill statement stating that I owed a balance so I sent in a payment of tender setoff and adjustment only on the private side and Regional Acceptance Corporation accepted it in accordance with HJR 192, UCC 3.603, UCC 3-419 and never returned to so they are in dishonor and any and/all claims or security interest has been voided. In response to my Notarized affidavit of billing error Regional Acceptance Corporation sent in a letter and not notarized affidavit ( sworn certificate ) as required under the law to answer any affidavit. I was not provided full accounting records as under the GAAP prescribed under 12 U.S. Code 1831n ( 2 ) ( A ). I also sent in a Notarized Affidavit of Rescission in which Regional Acceptance Corporation has refused to answer or acknowledge. I also sent in a Notarized Affidavit of Rescission in which Regional Acceptance Corporation has refused to answer or acknowledge. Regional Acceptance Corporation was notified that any variation of XXXX XXXX XXXX XXXX was copyrighted and that any use other than to respond to my Notarized Affidavits by a living person Notarized in Affidavits would be considered unauthorized and subjected to fines and fees as outlined in my UCC Schedule fee of my Copyrighted property as the Secured Party.
Consumer complaint received 2022-02-25
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: EQUIFAX, INC. (MD)

You ( Credit Reporting Agency ) is violating my consumer right to privacy pursuant to 15 USC 1681b ( 2 ), company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 ( a ) ( 4 ) My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act. Pursuant to 15 USC 1602 ( p ) the term unauthorized use, as used in section 1643 of this title, means a use of a credit card ( card, plate or coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ) by a person other than the cardholder ( consumer ) who does not have actual, implied, or apparent authority for such use and from which the cardholder ( Consumer )
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (IN)

Pursuant to 15 usc 1681b ( a ) ( 2 ) " Permissible Purpose of Reports '' I never gave Equifax my written permission to furnish a consumer report on me. I have reached out to you ( equifax ) and submitted several disputes advising you to immediately delete this information. On XX/XX/22 ya 'll sent me the Investigation results claiming to have verified the following accounts but how? you dont have my permission to furnish the account information on me. You failed to properly investigate my concerns regarding the inaccurate reporting of these accounts. You mention in the Investigation results that you " verified '' this information from the original source. Well pursuant to 15 usc 1681e you are required to verify by a way of personal interviews, with my neighbors, my friends. None of my family has contacted me stating Equifax has attempted to verify these inaccurate accounts reporting. You clearly have violated the law. I being the consumer/natural person am the only one who can verify this and I NEVER EVER gave you my written consent to report these accounts. I am demanding these accounts be removed.
Consumer complaint received 2023-11-03
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. (LA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

Over the past several years the interest rate has continues to even though i have made payments and have good credit, the interest rate is always fluctuating and increasing ; it never decreases. I took this loan out over 10 years ago and still have barely been able to make a dent in it. Also I have not been able to get any forbearances of deferments because they only allow so many in the entirety of the loan. I am a single mother of XXXX, I have never been able to utilize the degree that I obtain when I went to school as the economy way very bad when I graduated still. I am also on XXXX at this time and on a fixed income and the company doesn't want to willingly work with me on lowering my monthly payments so that they are affordable without the interest rate going sky high.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (VA)

affected my credit. After now the company made several mistake trying to issue said reason for which it was closed. after many fail attempts for them the account is restores however my credit and credit score is destroyed this has cause some much trauma and stress to me a XXXX XXXX XXXX man.
Consumer complaint received 2022-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I entered into a rehabilitation agreement with Navient ( made payments to XXXX XXXX XXXX- see below from their website ) in XXXX and paid XXXX on-time payments. Based on the Federal Moratorium Law instituted by the Federal Government I did not make my last XXXX payments. Based on the new law I would receive rehabilitation credit for the last XXXX payments even though I did not actually submit these payments. Consequently, I believed my rehab program was successfully completed on XX/XX/XXXX. I initially called XXXX and spoke to XXXX ( XXXX XXXX ) to check the status of my rehab program. She advised me that I indeed completed the rehab program with their company and sent the information to Navient. She also advised me to ask a representative at Navient about my post-claim status. I called Navient on XX/XX/XXXX and spoke to XXXX. She advised me ( after getting guidance from her supervisor ) that I would have to pay the last XXXX remaining rehab payments to XXXX or I would have to " wait in the back of the line '' behind all of those who made the XXXX required rehab payments per Federal law. I explained to her about the Federal rehab payment moratorium and that I should have received credit for the last XXXX remaining payments based on this law. She said she could only tell me what her supervisor stated I must do to finally have my loans rehabilitated. I was highly upset as I am finally trying to pay my loans back and improve my credit. This is not possible if they do not allow me to rehab my loans, successfully. I feel Navient is ignoring the law and reviewing my rehab program with prejudice. 



XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AutoNation Enterprises Incorporated (CO)

this is a situation started with a huge fraud issue - the fraudulent activity was my bank account got hijacked- they went in and and disputed 4 car payments - XXXX XXXX will put money onto your account while they research the dispute- they then went and did 3 charges to negate the money that was credited to my account- which netted at almost XXXX - hence why i did not notice a change in my balance. How i found out - was when my car finance company called my - threatening to repossess my car- I then called my bank and found out the issue- I immediately disputed EVERYTHING - XXXX XXXX  then created a reverse dispute- I called the finance company bank letting them know the situation - they said call back when I hear more from the bank - well every subsequent day for 3 days they were calling and threatening me all sorts of ways- not caring that this was fraud - the last day they called- they were on the way to repossess my car - would not listen that they will get the money - and I was to surrender my car- I had to beg plead and basically sell my soul to get the money to save my car {$1500.00} - in the meantime XXXX XXXX has reversed the charge backs and the money has been sent back to their XXXX XXXX account- i have called, sent an email to forward to their accounting department as they are telling me accounting does not talk to customers - this was in XXXX - we are now mid XXXX - and still calling me for payment - no one has contacted me about either crediting my account or giving me a refund - the email I sent to them clearly had the XXXX # 's amounts - dates for the money coming back to them - I do know that I can not just eat {$1500.00} due to they do not want to research - let me talk to accounting - or even make an effort to rectify this situation- i did file a police report as well - still awaiting a call back- please help