davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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. (GA)

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion credit bureaus are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXXXXXX Balance : {$34000.00} ; XXXX XXXXXXXX Balance : {$36000.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$17000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-09-24
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. (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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX Has Violate my rights . 

I looked at my Transunion Credit Report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, 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, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2022-09-06
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (CA)

XXXX is using my social security money that I get for fraudulent uses for me reporting fraud constantly and them opening an account that they are not closing is creating me not to receive my social security money that I receive for my XXXX in SSI payment and I am through a lot of XXXX XXXX  because of it losing my XXXX XXXX XXXX XXXX XXXX XXXX  not having proper clothing not having food and I have did everything I can do in my power to make it stop I went into the place with the correct information and they still refuse to close out my account and social security 's information in the card company that's using my social security information is not the same because there is someone freezing me from stopping my card and I'm using their services for my social security payments and I'm trying to stop my social security payments from entering into the card service and they will not stop it which is creating a hazard and fraudulent uses
Consumer complaint received 2024-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I am not being given credit for student loan payments made from XX/XX/XXXX through and including XX/XX/XXXX. Mohela told me I was in a deferment period during that time. I provided them with my payment history ( uploaded to their website ) from XXXX and also provided bank statements which showed monthly payments in the amount of {$210.00} automatically withdrawn and being paid to THE STUDENT LOAN - ID : XXXX. I have taken this matter up with them several times. I also contacted XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, because I am an individual and not an entity, XXXX provided me no information regarding the deferment period that is reported in their system. XXXX XXXX XXXX said they couldn't help me either and didn't know who could. 
I also submitted a complaint to XXXX XXXX XXXX in XXXX of XXXX. Their answer was for me to wait for the complete payment history/account adjustment to be done this year. I did and still no credit was given for the payments made from XX/XX/XXXX through XX/XX/XXXX. 

P.S : No one is/was able to tell me who entered me into the deferment period on my XXXX report starting on XX/XX/XXXX and no one knows who took me out of it. Therefore, it is impossible for me to contact that entity and have them correct their error.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

Have repeatedly requested that Wells Fargo stop withdrawing money automatically fom my account for several years. The money was last withdrawn on XX/XX/2023 Official interpretation of 10 ( c ) Consumer 's Right to Stop Payment ( 1 ) Notice. A consumer may stop payment of a preauthorized electronic fund transfer from the consumer 's account by notifying the financial institution orally or in writing at least three business days before the scheduled date of the transfer. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX. Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2022-09-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (IL)

Just recently I spoke with a representative from Exeter Finance LLC. I spoke to him about my contract and the fact that even though the CEO said that a part of my contract was not funded, it still makes my the contract void because it has incorrect information on it causing me major confusion. I explained this him and he asked " why didn't you ask questions if you did not properly understand the contract? '' I then replied : " I did ''. Then he went on to say that if i did then i would not be calling about it now. After a long conversation, I asked him for a account XXXX XXXX of my account. He did not know what I meant because he offered to send me a statement of account which I already have. I then told him that i need to see a copy of the check that was sent over to XXXX XXXX in order for me to drive out of there with the car. He then refused and said that he can't do that. I then said I should be able to see the copy of check that you issued to XXXX XXXX because I am asking for debt validation under the Fdcpa which is federal law. I then asked him to send the debt validation within 14 working days so that we could sort this out. he then said OK. I still have not received the copy of the check given to XXXX XXXX from Exeter Finance. I have no proof that this debt is valid and need to see the copy of the check before we can move forward. I also want to bring up the fact that I heard from another Exeter FInance LLC representative that all down payments have nothing to do with the finance company. So the {$3000.00} down payment I paid for the vehicle in question did not go to the finance company : Exeter Finance. If that is the case, why was it on the FEDERAL TRUTH IN LENDING TABULAR at the top of the retail instalment contract? It is against the law to lie on the FEDERAL TRUTH IN LENDING TABULAR located at the top of the contract. Also, why does the retail installment contract say EXETER FINANCE CORP when that place does not exist. Another error in the contract.
Consumer complaint received 2022-09-06
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

I'm being held back from a judgement on ( 1 ) credit reporting agency. Experian is reporting a foreclosure on my report and XXXX XXXX will not allow me to refinance my home with a foreclosure on my record. I disputed this matter, sent in 12 months of clean payment history and my modification plan for Experian to confirm that my mortgage company is NOT removing the foreclosure code. The other ( 2 ) reporting credit agency are coding late payments and have NO record of a foreclosure on my credit report. I'm being judge and denied for something that did NOT take place. I never been through a foreclosure. I own the house that is being reported as a foreclosure. My mortgage company, XXXX XXXX XXXX has inaccurate information on my credit profile and its impacting my livelihood. I spoke with Experian and they saw the inaccurate reporting and agreed to submit another dispute after the no change status from my first dispute to resolve this matter. I'm not being treated fairly with labeling me with something that did NOT take place. This is negatively impact me and my ability to provide for my family. I'm simply asking if the coding can be consistent with the other ( 2 ) reporting agencies and simply code as late payment and NOT a foreclosure. I'm seeking assistance for someone or agency to work with me to resolve this matter with a sense of urgency. I greatly appreciate the understanding and assistance.
Consumer complaint received 2024-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I submitted a payment to Citibank in the amount of {$6600.00}. 
The payment should have been applied 100 % to the revolving credit balance that as of XX/XX/XXXX statement had a balance of {$6100.00}. 
Instead of applying the payment to the revolving credit balance with an APR of 21.4 % they incorrectly applied the entire payment to a XXXX XXXX term loan whos original term was 60 month, APR of 8.99 % with a monthly payment of {$410.00} and only had XXXX payments remaining. 
It's now been XXXX months of trying to get Citi to rectify the issue and properly credit my accounts but no one had taken accountability in fixing the problem they created. 
XXXX from the executive office at Citi has been " working '' on my case for a month and half with no proper resolution being presented. My last conversation on XX/XX/XXXX with her just increased my frustration and anger given that her resolution was to give me credit for interest expenses incurred due to their error stemming from the misapplied payment in XXXX. In addition they only credited my revolving credit balance a total of {$5800.00} although I paid them {$6600.00}. To make matters worse, they increased the XXXX XXXX balance by {$8000.00} and extended the term back to XXXX  months. 
I have made a total of {$2500.00} via scheduled payment since XXXX to Citi in addition to the {$6600.00} payment. Out the monthly payments {$410.00} per month should have been applied to the XXXX XXXX term loan meaning that the XXXX XXXX loan balance should have been lowered by atleast {$1600.00}. As of the XX/XX/XXXX statement my loan balance was only reduced by {$920.00}. You don't need to be a math professor to see that this resolution benefits Citi 100 % and steals my hard earn money. I believe that your authority, as the CFPB allows you the right to authorize and to issue investigational subpoenas known as civil investigative demands ( CIDs ) when looking into potential violations of law. I have proof that they have violated consumer laws and affected my accounts and request that you issue a CID and demand, among other things, documents, emails, reports, answers to written questions, and oral testimony from Citi regarding my case. 
I will include attached documents as well and pray that a regional Director, research analyst and examiner review my case and help me resolve this issue. Thank you in advance for your efforts. 
Warm regards, XXXX
Consumer complaint received 2022-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I XXXX XXXX have not given written, verbal instruction or permission to Capital One Auto Finance to report to any Credit Reporting Agencies. 

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an account balance sheet. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation 15 U.S.C. 1681 Section 602a, states I have a right to privacy. 
15 U.S.C. 1681 Section 604a, section 2, Also states that a consumer reporting agency can not furnish an account without written instruction from myself. 

The account statement that was provided to XXXX, XXXX and XXXX to validate the account can not be considered as sufficient verification of a debt. Please read the case below : In the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ) Instead, XXXX obtained a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 


The balance sheet in no way provides sufficient verification of the debt. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. 
- This account is also a fraudulent and have file an Identity Theft Report with the Federal Trade Commission Report # XXXX Please remove this account from my report, it is against federal law to report unvalidated information. Thank You
Consumer complaint received 2022-04-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.