davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-14
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. (MA)

I am currently disputing an unverified account with Trans Union that has claimed they have been able to verify as accurate information. I have asked the following credit bureau to provide me with documentation proving that this debt they claim I owe is actually mine. I have sent FOUR letters certified mail with return receipt dating back to XX/XX/2018 requesting proper verification of this account they are reporting that they stated in writing is correct and has been verified. Who verified this account? They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it. ) and under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... ..Promptly DELETE all information which can not be verified. Trans Union is continuing to report this unverified account despite the fact they have NOT indeed provided proper documentation. The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-06-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

I need your help to correct this error and update my credit report as soon as possible, please. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (PA)

Someone gained access to my credit card and made purshases/changes that I did not authorize or regonize in XXXX XXXX. I disputed this information as I was told to do by a represenative they still reported a late payment
Consumer complaint received 2018-12-14
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. (FL)

I have this inquires in my credit report that are incorrect and should be deleted. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXK XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-28
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. (GA)

This complaint is continued from case XXXX. I noticed the screenshot didn't add showing the unvalidated account XXXX was removed from XXXX and different balance from Transunion and XXXX.The account is NOT verified how can they continue to do this? FCRA requires the unverified item to be removed. XXXX was unable to verify Transunion and XXXX unable to verify and reporting two different balances. The company is attempting to re-age the debt by changing balances.. I will update screenshot showing balance from my credit monitoring app. Below is a complaint from XXXX My recent CFPB case was XXXX. It was closed without Transunion abiding by the The Federal Fair Debt Collection Practices Act. I have sent several requests by regular mail and certified mail and submitted the CFPB complaint.There aren't any receipts for regular mail I will attach the receipts for mail sent certified.I will attach last letter sent to Transunion. Transunion has STILL failed to provide me information I requested they used to validate this alleged debt.Before I submitted the last CFPB request they responded in another language. They did not respond at all from the CFPB complaint by mail.I need legal proof not a response of verified. I have submitted disputes in the past I have never requested another language. I received responses in XXXX only. Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX. This account should be deleted they have NOT validated this account. Simply stating verified is NOT validation. How is it they are validating this account and XXXX could not? I attached the same documents to show Transunion previously sent me a response in a language I don't understand.This was a stall attempt.
Consumer complaint received 2022-06-23
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. (SC)

n accordance with the Fair Credit Reporting act XXXXXXXX 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
Consumer complaint received 2022-06-23
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. (AR)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER 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.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, 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. (AL)

Car dealership ran multiple unauthorized hard inquiries without me being there on the XXXX of XXXX and on the XXXX and XXXX.
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management XX/XX/2020 {$740.00} In accordance with the fair credit reporting act, this creditor has violating my rights under 15 USC 1681 section 202 states that I have the right to privacy.

15 USC 1681 section 6048 section to it also states that consumer reporting agencies can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit under an open consumer credit plans as late for any purpose.
Consumer complaint received 2018-12-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Im trying to avoid foreclosure. I've tried to do a loan modification on my home but Penny Mac wont open it up or even review it. Now I would like to do a short sale. I just really want to avoid foreclosure. but I feel like lender wont give me a chance for either option.
Consumer complaint received 2022-06-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I was a victim of identity theft and upon review of my credit report I discovered multiple fraudulent accounts, I reached out to the creditors with no response and now I am seeking you assistance in getting this matter resolved.
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (MI)

I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the RMP, LLC ( Original Creditor : IXXXX XXXX XXXX  ) with account number XXXX, still reporting on my credit report in violation of Federal Law. The XXXX and XXXX are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681 within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This XXXX XXXX has multiple inquiries on my credit report that is affecting my score and opportunities for future investments and ect just to clear the air the only time I applied for a capital one credit card is XX/XX/XXXX and was approved for one that's all but there other 2 other inquiries that are not accurate and it's fraudulent it's not me apparently someone tried to open up something in my name a roommate I once lived with around those times XX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo reported to the credit bureau that my account was in forbearance. According to Wells Fargo, they reviewed my account and can confirmed that the COVID-19 short-term payment assistance was initiated online on XX/XX/2020. This is a lie, I clicked a button. Also per Wells Fargo 's letter dated XX/XX/2020, Wells Fargo put me into forbearance " based on an incomplete application for assistance. '' I never wanted to be in forbearance. I never consented or completed an application to be in forbearance. I want it removed from all my credit reports immediately. 

I am going to sue Wells Fargo for violations of the FCRA. Pursuant to the FCRA : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

This has been on my account since XX/XX/2020 and continues to remain on my account. 

An incomplete application, which was in reality a button saying ask for more information, is not consent to forbearance. 

Wells Fargo has already admitted this will impact me. " If you apply for credit while on a forbearance plan, however, the lender will see the account in forbearance comment on your credit report, and the fact that your account is in forbearance may impact your ability to qualify for new credit or refinance. '' This needs to be remedied. The word " forbearance '' needs to be removed from my account.
Consumer complaint received 2022-02-15
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. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Close : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Late Open : XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXX Charge-Off : XXXX XXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2022, a background investigation company called XXXX initiated an employment screening on me and completed a SSN Trace. The result of that report provided Information which included Alias Names taken from Transunion 's Credit History Log or History File List. It also included Counties associated with my SSN. There were gross inaccuracies in the data provided to XXXX. Transunion provided that information as if it was true and correct. It appears they merged people 's names that were similar to mine in this report. XXXX confirmed that they received the information from Transunion XXXX XXXX or XXXX XXXX. I contacted Transunion 7 times attempting to correct this inaccurate information. Transunion is reporting 9 variations of my name from their credit log file that is inaccurate. They are also reporting several counties and dates of residency which are also inaccurate. Transunion has refused to delete, correct or update this information. Because this information does not appear directly on my credit report, I do not have the ability to dispute it. This information is being sent directly from Transunion 's files that they share with pre-employment or rental screening companies. This is the second time Transunion has provided a background screening company this same inaccurate information. They also provided this information to XXXX.
Consumer complaint received 2020-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA recently discharged an auto loan I took out in 2016, despite my many attempts to pay it off, after missing a few payments while dealing with the financial and physical issues of my recent illness. Despite willing to pay the loan off in full, USAA refused to stop the discharge of the loan or work with me in any way despite my requests and the recent legislation passed due to the current COVID-19 pandemic. 

Additionally, USAA violated TILA in regards to this auto loan.For a whole year USAA, failed to provide me with any billing statements, information associated with the loan and for several months even refused to accept payments unless they were made from an internal account. This of course was not possible as USAA closed my internal accounts, which caused a 0.5 % increase in my APR as auto pay from a USAA account was a condition of receiving the lower APR. Along with shutting down all my internal accounts due to their repeated failure to resolve a single issue of identity theft, USAA continually stated they would forward me all related loan documents, bills and legers. As a result the vehicle was placed into repossession Immediately after being placed in reposession USAA accepted payment for the total amount due and reversed all fees and penalties caused by their actions. USAA violated the FCRA, by refusing to remove the late payments from my credit report despite many requests. 

To date USAA still attempts to send me all my consumer lending documents online which they restricted my access to years ago. With the exception of finally starting to send me my consumer lending statement which states the monthly amount due. This statement fails to provide crucial loan information, such as a payment ledger, total amount remaining etc. 

USAA, has also been discriminatory by not making all services and data related to my auto loan available to me as it does other members. I am unable to access any of the loan information online, retrieve any documents submitted, set up or make electronic payments or auto drafts online. In fact, I have to personally call in every month to pay this auto loan. 

In short USAA has made a habit of violating TILA, FCRA, has failed to provide a 1099C relating to this charge off, or work with me to make any attempts to salvage the loan. All while having damaged my credit years, reporting this loan as late and repossed, which prevented me from seeking alternative financing elsewhere and escaping their deceptive, discriminatory and illegal lending practices.
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (MN)

XXXX XXXX XXXX XXXX / XXXX P.A attorneys at law XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX Also, Midland credit management Court ordered judgment XXXX XXXX Mentioned on this day I was exempt due to being on ma and food stamps, judge said to worry about it after court. 

Received notice the were going to garnish wages in mid XXXX, with a basic exemption form releasing said agency to say if I was on assistance and only request my case number. Did not ask for any proof. Sent XX/XX/XXXX certified mail, still have receipt. Found out I had to send a copy to my employer. XX/XX/XXXX sent copy to XXXX charities via email. Said they were on it. Next day email back saying its not good enough proof. As they garnished that current paycheck on XX/XX/XXXX. In the amount of XXXX. I had worked XXXX hours overtime or so hoping to pay my XXXX utility bill for heat and electric. I called XXXX and asked if the had received my exemption. He stated the did and transfered me to XXXX XXXX XXXX. Talked and he hung up on me after asking about my money back, called back straight to voice-mail. Waited XXXX min called him back he answers. I ask again why I'm being garnished he explains tbe state has not replied yet and I did not send proof. I asked what proof he needed and why proof was not asked for originally I would have sent anything needed. Proof of ma or food stamps. I submitted current proof from the mn game service XXXX stating how much assistance I received via email to XXXX called the next day asking if he received it and he said yes he would fax my employer to stop garnishment. I did not have fax number at time. I called my employer got number called him right back straight to voice-mail, I left a voice message with info and fax number XXXX XXXX I believe. Called employer said the didn't receive anything XX/XX/XXXX. Called XXXX again XXXX straight to voice-mail left another fax message. They also stated I need to write a letter to get my money back and I probably won't get it all they said.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1881.

Bankruptcy inaccurate 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-12-12
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: U.S. BANCORP (AZ)

Loan paid in full via cashiers check, in person at a US Bank Branch on XX/XX/2022. Title still not received as of XX/XX/2022. Upon contacting US Bank to follow up on the status of the title I was advised that their office mailed it to an address that I have not resided at for over 5 years. Despite having my correct address on file and sending billing statements to me to the correct address for 5 years they still mailed the title to an outdated address. I was advised by the representative at US Bank that there was nothing that they could do and that I, the consumer, would have to take this matter up with the Department of Motor Vehicles.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

Tried to payoff a loan amount on this credit card within the promo period which ended XX/XX/20. Using the promo plan amounts I divided the payments into a monthly amount to make sure I made the cutoff date. In the last month the plan balance changed to a new plan balance and according to them I was short {$61.00}. They are now charging me the deferred accrued interest of {$1700.00} due to the {$61.00} shortfall. In discussing this with their account specialist, he said there was nothing he could do.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, 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. (PA)

I have reached out to the following credit bureaus, XXXX, Equifax and XXXX to dispute the Hard Inquiries on my credit profile that I did not approve and had no knowledge. The items below was unauthorized and was asked to be removed from each credit report and the credit bureaus failed to provide any evidence that these inquiries were accurate and have not removed the items. 

XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MXXXX XXXX Inquired on XX/XX/XXXX XXXX   XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX