davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
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. (VA)

Transunion and XXXX keep reporting several accounts as verified and I never received any prove stating that this was accurate. XXXX sent me a letter stating that accounts could not be verified and deleted immediately. 

Transunion and XXXX are reporting one account as Bankruptcies with XXXX XXXX, and that is inaccurate I have not filed bankruptcies at all and it's no court records of that, so it couldn't have been verified and this was after a second letter. 

They are also, reporting XXXX 's which was sold off to another company and they couldn't verify the information and again XXXX deleted because it was unverifiable ; as well as, XXXX XXXX which again XXXX deleted, because it was unverifiable. 

I filing this and I am sending another certified letter for the third time because these things are false claims on my credit report, which can not have been verified because " XXXX '' did there job and correctly removed items and I need Transunion and XXXX to do so or legal action will have to be filed due to them failing to follow section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ) and 611 ( 5 ) ( A ) and legal action based on ( Section 616 and 617 ) as well.
Consumer complaint received 2018-02-14
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. (GA)

I leased a car from the XXXX XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score.

Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again. 

Another few months pass ( now it is XXXX XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it. 

I then go to the XXXX dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The manager of the dealership wrote a letter for me to send to XXXX stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the XXXX Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a MasterCard through Capital One that was subjected to fraudulent activity when Capital One issued a virtual " Fast Card '' to a man in XXXX, FL, on XX/XX/XXXX. I was alerted ( via my email address ) to this new account they issued, along with changes to my address, phone number & email address ( which were all done over the phone ). I immediately called Capital One 's fraud department & told them about these fraudulent activities and sent them copies of my NC state issued driver 's license & social security card. I was issued a case # XXXX. All changes to the account settings were reversed & I was told any fraudulent charges would be reversed. They also cancelled my credit card ( along with my son 's card that is attached to my account ). They told me they would send me a new card in the mail. At this time, they also issued the criminal in Florida a new card as well - I discovered this while checking in to see if my account had been straightened out. So more fraudulent activity started taking place, more promises of resolution. I withheld one of  my payments during time after hearing they allowed this criminal to open a Visa account in my name ( I was told it was immediately closed by the fraud department but I have no way of knowing because it was a new account that I have no access to, not a hacked version - I have no Visa accounts ). After the bulk of the fraudulent activities were cleared up, I resumed my payments, making a double payment to make up for the one I missed. This entire process to date started on XX/XX/XXXX &  continued through XX/XX/XXXX. I contacted Capital One this month ( XX/XX/XXXX ) twice to resolve some remaining issues, but was first told by customer service that someone from fraud would call me back & the second time was bounced back & forth from fraud to customer service for 35 minutes only to be told no one knew how to resolve any of my problems. My issues : 1. My interest charges are still divided between Purchases ( mine ) & Cash Advances ( fraud ). 2. My interest rate went from 23.99 % to 24.24 % during the time of this fraud case. 3. I was given a {$25.00} late charge during the 2nd month of the case for withholding payment until Capital One started resolving the fraud. 4. The extra {$16.00} I was charged so Capital One could issue a " Fast Card '' to the criminal was never refunded.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

This is a follow-up to my previous dispute regarding fraudulent inquiries on my credit report. Despite my initial request, the unauthorized inquiries persist. 

Here are the inquiries listed below. 

Account Inquires XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. 

On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 other 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 consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

My rights violated numerous time. 
The credit bureaus violated my given right under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States have the right to privacy.

According to 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-14
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: EQUIFAX, INC. (MO)

XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, South Carolina is a Predatory Lender. I purchased used car a XXXX XXXX XXXX for {$9000.00} with cash payment down of {$2000.00} making the financing by XXXX XXXX XXXX for {$7000.00}. 

Due to Financial Difficulties I did a Voluntary Surrender of the car back to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX took a {$7000.00} car and sold it for {$2000.00} at an Auction and billed me for the balance of {$5000.00} now on this date of XX/XX/XXXX the {$5000.00} balance has grown to {$5900.00}. 

I want an Investigation Into the Criminal Fraudulent Activities of XXXX XXXX XXXX in trying to Collect Double what the car was financed. 

Selling a {$7000.00} car for {$2000.00} was a giveaway and XXXX XXXX XXXX didnt try to collect the Market XXXX XXXX Value of the Car. 

Waiting for your reply. XXXX XXXX XXXX should not be In business. Right at this point they are in the Business of Predatory Lending and Cheating their Customers. 

Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment
Consumer complaint received 2018-07-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

I am the Borrower, XXXX XXXX XXXX. I reside in XXXX XXXX, Texas. 

In XXXX of XXXX, my business and affiliate self-employed business shut down. Within a few days of this hardship event, I contacted the lender of my mortgage ( as I thought to be at the time holding my Note and Mortgage ), XXXXXXXX XXXX XXXX XXXX with Loan # XXXX ), and further advised that my income had been severely diminished ( for a short period ). XXXX XXXX XXXX XXXX   representative received my application on or about XXXX XXXX and denied my application in less than 5 days from submission. Further, this lender ( their servicer ) never EVER responded to my formal QWR certified and mailed months ago. This is a federal violation of law. As importantly, I had been requesting a modification for many months between on or about XX/XX/XXXX and XXXX of XXXX, with no response from my servicer of the lender, US Bank.

12 U.S. Code 5219a provides that a borrower such as me has remedy rights and federal and state statute proper recourse to pursue a merit/income decreased based loan modification under certain circumstances, that I qualify for, by which my servicer and lender unequivocally did not comply with federal ( RESPA, Regulation Z & X ) and state guidelines under Mortgage Foreclosure law. Further, this lender and servicer is comfortable violating federal and state laws, as they feel I have no recourse nor a credible enforcement agency to seek equity or justice, based on the XXXX Administration. I disagree. There are over 40,000 government employees committed to the injustices pressed down upon good law abiding citizens by money-funded private bankers who never seek a voice to be heard by a homeowner, such as me. 

I seek a formal complaint against XXXXXXXX XXXX XXXX XXXX and will pursue every legal remedy to obtain justice and equity and fairness.
Consumer complaint received 2023-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Bottom-line is PennyMac had pulled a Flood Insurance policy in my name on XX/XX/XXXX until XX/XX/XXXX with XXXX XXXX XXXX XXXX with out ever sending me any notification that this was done behind my back. I did not know this was happening until I made by XX/XX/XXXX house payment. The policy was done without every know this action was going on and now my escrow account is short funded!!! I was never notarized of this action causing my escrow short almost {$3000.00} dollars. They PennyMac is now trying to state that I was informed. Which is a XXXX XXXX lie.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses that's on my consumer report are non mailable residences please remove ASAP. 

Employer XXXX XXXX is not my employer and never have been please remove
Consumer complaint received 2023-12-31
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (IL)

Unauthorized transactions were placed on my chimeaccounts right now XXXX all transactions are inconistant dates and timesthe transactions were made I was left by a XXXX  driver and had to call another XXXX XXXX there in two minutes at XXXX XXXX pawn shop picking up my computer I had to chat with XXXX  to complainonce XXXX was contacted the transaction history with chime I took a screenshot ofwas changed I received phone caLLS FROM TAXPAYER ADVOCATE person named XXXX and XXXX bank client advocate all through complaints with the cfpb named XXXX there storyline behind how chime came about was a student pell was taken through fees at a traditional bank the name chime was a worker at XXXX XXXX who house porch was filled with chimes and linked to student aid fraud. There was a XXXX XXXX  XXXX XXXX who was sjhown and asked and given my student loan information ( nondischargeable ) which are FERPA violations because I did not consent to anyone having my student aid information other than the college I attended.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have tried to fix incorrect information on my credit report from all three credit Bureaus XXXX, XXXX and Experian months ago and many incorrect information is still being reported on my report for some time now which is very damaging to my name, reputation, character and my credit worthiness. I have been denied credit many times and have had high rates with Loans due to my credit reports having inaccurate information which puts me at a frustrating point to struggle to do any form of business or personal matters. 

There are multiple different names and multiple un-mailable addresses and wrong phone numbers and charge offs reported on my report which according the IRS publication charge offs are INCOME and must not be reported on any credit report but its is on mine I have uploaded two of my reports I can't upload all three website state too much file but you can see from my credit report many inaccuracy
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Reevaluation Request for Credit Report Dispute - Tracking Number : XXXX Dear TransUnion I hope this letter finds you well. I am writing to address my concerns and seek clarification regarding the recent investigation of my credit report dispute, which bears the tracking number XXXX. On XX/XX/2023, I called TransUnion to dispute certain transactions, and despite my efforts, I received a response stating that all items reported are deemed 100 % accurate. 

I understand the importance of accuracy in credit reporting and respect the investigative procedures undertaken by TransUnion However, I believe that certain discrepancies persist on my credit report, and I am writing to provide additional information in support of my dispute. 

Enclosed with this letter, please find documents [ or describe the nature of the documents ] that I believe will shed further light on the inaccuracies reported. I kindly request that tramsunion carefully review this information and reconsider the accuracy of the reported items. 
Moreover, I would like to draw your attention to Section 1681a of Title 15 of the United States Code, also known as the Fair Credit Reporting Act ( FCRA ). This section outlines crucial definitions related to consumer reporting agencies, consumer reports, identity theft, and other pertinent aspects of credit reporting. As per my understanding of the law, it emphasizes the importance of fair and accurate reporting and provides consumers with the right to dispute and correct inaccurate information. 

I specifically refer to subsections [ cite the specific subsections relevant to your case, if any ], which [ briefly explain the significance of the subsections in relation to your dispute ]. These legal provisions underscore the obligation of credit reporting agencies to conduct thorough and fair investigations and rectify inaccuracies promptly. 

In light of the additional information provided and the legal framework established by the FCRA, I kindly request a reevaluation of my dispute. I believe that a more detailed examination, considering the enclosed documentation and the legal provisions outlined in the FCRA, will contribute to a fair and accurate representation of my credit history. 

I appreciate your attention to this matter and look forward to a prompt response. If necessary, I am available for further discussion to ensure a comprehensive resolution. 

Thank you for your understanding and cooperation. 

Sincerely XXXX XXXX
Consumer complaint received 2023-12-31
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. (FL)

I am trying to buy a house and these things are delaying my home buying process. 
I have been a victim of aggravated identity theft.I need these items removed asap. 
Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. 
Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn ; t provide sufficient proof the said has applied for anything. Thank you for your prompt assistance.
Consumer complaint received 2018-02-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prohealth Care, Inc (FL)

I received notification through a credit monitoring service that I had a past due balance of {$70.00} for a medical appointment several months prior. At no point in time did I receive notification ( written or verbal ) from either the medical office involved or the collections agency. The debt collector fraudulently reported the total amount owed as 4 separate past due balances totaling {$70.00} to the credit bureau, seriously affecting my creditmoreso than one derogatory mark. Since I first discovered the debt through my credit monitoring service, I should not be expected to have paid earlier, nor penalized with derogatory marks. Upon discovering it, I did verify it, and paid it as soon as possible. The CFPB needs to step in here to prevent this company from fraudulently and viciously trashing my credit, and reach out to XXXX to remove these marks ASAP.
Consumer complaint received 2018-02-14
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: HYUNDAI CAPITAL AMERICA (GA)

I leased a car from the Hyundai XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score. 

Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XX/XX/XXXX/XX/XX/XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again. 

Another few months pass ( now it is XX/XX/XXXX/XX/XX/XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it. 

I then go to the Hyundai dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The managXXXX of the dealership wrote a letter for me to send to XXXX stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the HMF Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.