davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (TX)

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 2023-07-06
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. (GA)

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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-07
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$54000.00}.
Consumer complaint received 2023-07-07
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. (TN)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$54000.00}.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX a purchase of {$1000.00} AND withdrawals of {$480.00} and {$470.00} were done. On XX/XX/XXXX two withdrawals of {$470.00} and {$240.00} were done. This is all fraudulent activity. These occurred in locations I did not visit or go. My card was always in my possession but bank states the chip was used and its impossible to clone. This has been proven false on multiple occasions. XXXX XXXX XXXX XXXX helped an individual in California who encountered the same problem and chase would not believe them.
Consumer complaint received 2023-07-07
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. (MN)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

The Navient loan is in XXXX XXXX XXXX 's name, a XXXX XXXX private student loan # XXXX, is being reported as a defaulted XXXX loan through what is called XXXX which is there to monitor Federal debts and prohibits FHA Mortgage loans if there is a default being reported. This loan is not a XXXX student loan, this is wrong on so many levels and destructive especially at a time like this in our country. 
Navient is well aware that this loan is not a XXXX loan and that it has no association with any XXXX agency. Navient has been sued by multiple states they are very pleased to report this loan as a private loan. They are also very pleased to announce this loan does not have the protection the XXXX loans under the XXXX XXXX, and have no work out for customers for the XXXX time period. 
I actually found the original loan papers to confirm this loan as a XXXX loan. We have also finally, figured out this loan can actually be in a in-school deferment status and there should not delinquency at all during 2020 to the current date. 
Navient will not correct their reporting and will not remove the default from the Federal reporting through XXXX  and therefore, I can not proceed with getting my FHA Mortgage XXXX loan closed.
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2018 I sent in a dispute letter to Experian asking them to provide proof of verification as to how they verified the bankruptcy on my credit report. I never received a response from either party regarding proof.
Consumer complaint received 2023-07-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When determining a fair resolution to the issue youve described, several factors need to be considered. While I dont have all the details of your specific situation, here are some general suggestions for a fair resolution : 1. Refund or Compensation : A fair resolution may involve receiving a full refund for the purchase amount of the defective product or receiving appropriate compensation for any financial losses incurred as a result of the companys actions. 
2. Replacement or Repair : Depending on the nature of the product defects, a fair resolution could include receiving a timely replacement of the defective product with a fully functional one or having the company bear the costs of repairing the defects. 
3. Improved Customer Service : A fair resolution might also involve the company improving its customer service practices to ensure better responsiveness and timely resolution of consumer concerns in the future. 

Its important to note that the resolution should aim to address the issues you faced and provide appropriate compensation or remedies to restore you to a reasonable position had the issues not occurred. The CFPB will evaluate the specifics of your case and work towards a resolution that is fair and reasonable for all parties involved.
Consumer complaint received 2023-07-07
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)

I am writing to dispute the reported information on my credit reports regarding the XXXX XXXX Account XXXX  XXXX. The dates of last activity for this account are reported inconsistently across TransUnion, XXXX, and XXXX as follows : - TransUnion : XX/XX/2019 - XXXX  : XX/XX/2019 - XXXX : XX/XX/2019 These inconsistencies directly violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires that " 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. '' This inaccurate reporting is negatively impacting my good name, character, and my ability to qualify for new credit. The persistent discrepancy raises concerns about the reliability of the furnisher of this information. I call attention to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which states that a consumer reporting agency must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' upon receipt of a notice of dispute from a consumer. To date, the action taken by your agencies has failed to rectify the inaccuracies identified and, as such, appears to be in breach of this provision.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (HI)

I tried to call to correct the address that Wells Fargo Dealer Services is reporting and they were very unclear stating they couldn't change the incorrect information because the account is closed ... Also Wells Fargo Dealer services are reporting a late charge from XX/XX/2012 on my XXXX and XXXX  reports that is inaccurate. Company hangs up on their customers constantly, refuses to follow federal judges orders, and tries to micromanage their customers speech. Wells Fargo Dealer Services are fraudulently reporting incorrect information as one of their representatives put it to " on purpose '' to tarnish my excellent credit record. Wells Fargo dealer services can't even keep their own facts straight they report 0 missed payments to XXXX  ( which is accurate. ) but then turn around and report different false information to two other bureaus.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I was denied approval for an installment loan due to derogatory information reported on my Equifax credit profile according to the lender. Equifax is reporting a " Scheduled Payment Amount '' of {$10000.00} on a Closed/Charged Off account as " verified '' by Data furnisher as of XX/XX/XXXX results of their Re-investigation ( Confirmation # XXXX ) from my dispute sent to their agency in writing XX/XX/XXXX. My last payment on this account was XX/XX/XXXX and the account was charged off XX/XX/XXXX. This account also appears to continue reporting late payments. I contacted Equifax via phone immediately while at the lender 's office to dispute the issue. On XX/XX/XXXX the same account update with a new " Amount Past Due '' of {$6900.00}. I have reason to believe my rights under the FCRA are being violated by Equifax. These errors remain on my credit report, suppress my credit, & has already prevented my ability to receive credit.
Consumer complaint received 2023-07-07
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. (PA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-07
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. (FL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-07-07
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)

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.

has violated my rights. Or list of inquiries 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 2019-02-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (UT)

Twice in the past year ( the most recent being today XX/XX/2019 ), I have had false collections accounts owned by XXXX XXXX XXXX show up on my credit - usually through XXXX ( but not XXXX  or XXXX ). These 'accounts ' are usually in the   thousands of dollars, and my credit report says that I have made payments to them ( which is false ). I was never notified of these accounts or that they were back-owing, either via phone call, in writing, or otherwise. What's worse, is that they are supposedly for student loans that I never accepted through a school I never attended! 

These debts are not mine, and it is adversely affecting my credit and my buying power. If I had not been tipped off about these accounts by lenders ( who had to turn my applications down because of this issue ), I would never have known that they were even there and adversely affecting my credit scores. XXXX XXXX XXXX is FRAUDULENTLY deceiving people into paying them THOUSANDS of dollars, and they've tried TWICE with me!
Consumer complaint received 2023-07-07
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. (SC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX - XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-07
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. (MI)

I am filing this CFPB Complaint letter to formally request an investigation into and correction of the erroneous account that appear to contain inaccurate and incomplete information on my credit file, as mandated by the Fair Credit Reporting Act. Specifically, I would like to address the discrepancies related to the following account : XXXX XXXX XXXXXXXX Balance : {$3100.00}. I kindly request a thorough review of the Payment History associated with this account. It is imperative to note that the reported late payment history does not accurately reflect my payment behavior, as I firmly believe that I made timely payments. I urge the Credit Bureaus to rectify the erroneous late payments associated with this account promptly. It is essential that the Credit Bureaus ensure the accuracy of this reporting by revising and updating the information in my file accordingly. I expect any necessary corrections to be made promptly and for my credit file to be updated with the accurate information. I trust that the Credit Bureaus will conduct a comprehensive investigation into this matter and take the appropriate measures to rectify and update the information in my credit file as per the provisions of the Fair Credit Reporting Act.
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

I purchased a XXXX XXXX XXXX from US Auto Sales, in XXXX of XXXX. The car had a manufacturers recall on the engine, in which myself and my Husband received the notice for in the mail. In XXXX of XXXX unfortunately US Auto went out of business, and my car was taken in to my local Kia dealership for the recall work needed. Its actually a fire hazard issue. None the less, upon my car having to sit in the line of cars at Kia for over two months to get started on, the service Manager informed me that the recall work wouldnt be covered, because in XXXX US Auto didnt get the recall work done then. So XXXX  refuses to do it. The cost would be thousands of dollars. Had US Auto still been in business, I would have gone to their dealership and they would have had to put me in another car, or FIX the issue!!! I literally have payed on this car since XXXX. I experienced them turning my car off on me when I was out of town and stranded on the last for a day late payment after communicating with them. XXXX XXXX XXXX has taken over their accounts, but are of no help. My car is still sitting at the XXXX  dealership since it cant be fixed. I requested a voluntary repo and they havent gotten the car yet! I am at a cross roads and need help knowing what my next move should be. I am willing to speak to whoever about this and provide whatever documentation needed!!!
Consumer complaint received 2023-07-07
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. (VA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.