davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (TX)

When I lived at XXXX XXXX ( rent recovery 4K+ ) I was going thru a bad case involving XXXX  XXXX. This- because my XXXX  was released from jail and soon found me and made his way in ti my apt . It wasnt long before the abuse began and police as well as the office management were involved. I was defeated until I was opted the choice to live with my brother and move out. I had to break my lease to do so but XXXX, the assistant leasing agent, was very understanding and I was able to work out with her and XXXX the manager a deal where I could leave and make my payment for breaking the lease in small monthly payments and AVOID CREDIT REPORTING. After I moved I called several times and was told XXXX was no longer there but to bare with them- as soon as a new manager was placed I could work out the same agreement. I spent weeks calling until I finally drove back to that office to speak to them in person. This is when I met the new manager, who said sorry, its too late- its been sent go collections. Youll have to take it up with them. 
First- i was never given a fair chance to live up to my word and make small payments to pay off the debt. Second- why is everyone ignoring the fact that I had no choice but to break my lease to survive. Isnt a victim of XXXX protected by VAWA? Which i mentioned to both XXXX and XXXX. I would think even in an income restricted apartment complex they would do more to help me but instead I cant lease anywhere or even think to buy a home now that Im on my feet again. This debt is haunting me and they wont remove it!
Consumer complaint received 2024-11-05
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. (TX)

I have uploaded and sent letters for proof for account never late and paid in full closed. I have asked for response from companies reporting agent in form of a letter with company header. I have not received anything but items will remain on credit report and the response comes within 24hours. After asking for representative reporting and specific detail of explanation. In written form of a letter bearing the representative signature. Bankruptcy was not reported by courts. It's is personal information that was paid for from thrid party. My Bankruptcy was never in XXXX XXXX. And I asked as well please remove cause location is filed wrong and called the courts and sent letters in from court explaining they do not report to to any credit bureau. 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. 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, 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 an 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 2024-11-05
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. (IL)

I am requesting your assistance with the incorrect account being reported on my credit report. This issue has harmed my reputation as a customer, and I need your help. I want these accounts removed due to their false and negative reporting.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (MA)

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2024-11-06
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)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking, and the information listed below, which appears on my credit report, is a result of that trafficking.

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

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 XXXXXX/XX/XXXX Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures : Proof of identity Trafficking Documentation
Consumer complaint received 2024-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

There are 4 student loan accounts showing up incorrectly on my credit report. The highest balance on these accounts are {$1500.00}, {$8000.00}, {$2700.00} and {$3500.00}. There must have been a paperwork error as all the rest of my accounts are showing on time. I was in a deferrment period during the times of the lates that are appearing.
Consumer complaint received 2024-11-06
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. (MD)

XXXX, Transunion, and XXXX continue to report invalidated information on my credit report without sending me doucments to validate the debt or documents that indicate the methods used to verify each account. These companies are using deceptive practices in order to coerce me into paying on debts I do not owe.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE (IN)

I tried to link my XXXX XXXX XXXX XXXX checking account as an external account to my Barclays online saving account in late XXXX. I initiated the linking at Barclays end. Instead of linking my accounts together so I can transfer funds, Barclays shut down all my access to my Barclays account without notifying me. I did not realize that until a few days later when I tried to log into my Barclays account but only found that I could not even with correct username and password. When I contacted customer care, the rep informed me that my access was cut for security purpose but again they would not notify their customers unless customer contact them. And the general customer care could not resolve the issue but the fraud/security team or so was not on duty on a weekday late afternoon. I had to wait until the next business day to call back. Even that the security team would not give a direct phone number or take customer phone call like all other banks usually do. Instead, Barclays security team will ask the front line representative in general customer care as the messenger to talk back and forth between the specialist at security team and me, the customer. 

They requested my other bank, XXXX, to provide a letter to confirm that I am the account holder, but they still refused to give my account access back even I requested one from XXXX. They decided they wanted a statement instead. The drama lasted for even more days before I finally regained the access to my OWN account. The whole week-long lockout was not resolved by Barclay 's assistance if there was any. I ended up agreeing to delete my external account to get my access to my own Barclays bank account back. The whole time, Barclays ' security team was very unprofessional and rude to not only me, the customer, but also those poor front line CSR. At this moment, no one from Barclays has contacted me once to notify the lockout or any progress. It is unbelievable that one of the largest multinational banks in the world carries out business this way.
Consumer complaint received 2024-11-06
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. (MI)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2024-09-12
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. (TX)

Upon reviewing my credit report, I discovered several unauthorized heart inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing.

Tranunion is also the other credit Bureau with iquiries Below : 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 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (DC)

Monday, XXXX XXXX Illegal Repossession of Leased Car last Friday XX/XX/XXXX Last Friday XX/XX/XXXX, I went out to my car in the evening to find it missing and repossessed illegally by Westlake Financial. ). I am in a XXXX XXXXXXXX state so I need my Car to get to doctor appts so I can get back to work asap. I am still waiting for a call from rep from XXXX XXXX -- XXXX did not send a certified letter, it did not register an accurate phone number for the towing company, and it doesnt have an informed customer service process or Directory option for Repossession ( their service line closed early weekend by XXXX PST instead of XXXX ). In Washington XXXX a Creditor must send a Certified Letter prior to repossession which was not executed. ( DC law 28-3812.3 see attached or url : XXXX : XXXX ) The Westlake Customer Service is not set up to address weekend Repossession closed early Sat and Sun by XXXX even if the website states XXXX. I spent hours being bounced around the Collections department and my call was dropped 4 times on Sunday and one rep demanded I pay the repo fee and arrearage and compared it to a housing eviction ( for which youd also get a certified letter ), the Supervisor was not familiar with certified letters. Even the representatives identifying themselves quickly by their first and last name is confusing and distracting nearly every rep took offense when I asked them to spell their first names i.e. not a great way for either party to start a difficult conversation.
Consumer complaint received 2023-03-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUOFF MORTGAGE (IN)

I was on a repayment plan with Ruoff Mortgage. Repayment plan started XX/XX/XXXX and ended XX/XX/XXXX payments were in the amount of {$1000.00} each month. Each payment cleared our bank account : XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX. At this point all repayments are made. I then received a letter dated XX/XX/XXXX stating my loan is delinquent. On XX/XX/XXXX I called XXXX XXXX XXXX was informed my account was 2 months behind. XXXX XXXX I sent an email to XXXX my loan officer asking for help, I included my payment history and proof from bank. This request was forwarded to Ruoffs Service Loan Care Department, I spoke with XXXX at XXXX XXXX XXXX he tried to assist me for almost 6 weeks. He also was unable to obtain assistance from Ruoff Service center - XXXX. XXXX XXXX XXXX. XX/XX/XXXX I called XXXX spoke with XXXX he agreed payments had been made after review of my documentation. He was sending emails to the department that completed my repayment plan and to payment repayment review. I was to receive a follow up call XX/XX/XXXX. As of XX/XX/XXXX I had not received a return call. I have called XX/XX/XXXX spoke with employee # XXXX verified payments made but no changes to account and no new notes on file. XX/XX/XXXX I called spoke with XXXX XXXX no new updates on account. XX/XX/XXXX spoke with XXXX XXXX no new notes on account.
Consumer complaint received 2024-11-06
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)

XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX. credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Account number ( XXXX ) Open date : XX/XX/XXXX XXXX XXXX Account number ( XXXX ) Open date : XX/XX/XXXX XXXX XXXX XXXX Account number ( XXXX ) Open date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-03-07
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. (OR)

Despite providing direct proof of payment in full for multiple loans via XXXX, my credit reports were updated to " Information is current and accurate '' which is false. Here is more proof of payoff in full PDFs that are pulled directly from XXXX. In addition, one of my XXXX accounts was sent to collections ( XXXX XXXX ) and it was paid in full as well. The reference number for that payoff and date are as follows ; Confirmation XXXX, Date XX/XX/2023. None of the info included has been reflected on my credit reports and continues to be inaccurate.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-01-22
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. (FL)

I am a customer with chase bank and I am now a victim of wire fraud. I am getting married in 12 days and I have been saving for months! I received a text from what I thought was my bank asking if I authorized a wire transfer. I sent a text back saying no. I then received a call from a person stating they were from chasse bank and I was on a recorded line. I verified that the number he was calling from was the same number that was on my debit card. After he provided ALL of my personal information from my account numbers, my birthdate, my social security number, address, and the balance in each of my accounts, he stated that I needed to complete a wire transfer reversal to get my money back. He said that the money should be back in my account in 12 to 24 hours. After I checked my accounts on saturday XX/XX/ there was still no money. I called chase and I was getting the run around and after I finally spoke to a supervisor, they stated that I might not get my money back and that I fell for a phishing scam. In last 24 hours I have done alot of research and I have found multiple families that have been victims of wire fraud with chase bank and the only way these families received their money back was because of news media coverage. I am desperate at this point because they wiped out all 3 of my bank accounts. The money that was taken included my fiance and I 's 2 week paycheck on friday along with a saving account the total was a little over {$11000.00}. I spoke with Chase last week and they said that they are not going to return the money to our accounts because it was not considered fraud. They are not protecting their clients and everytime I spoke with them, they were rude and there was no costumer service. The phone number that called me was the same number that was on the back of the chase card and the suspect had all my information including my account numbers and my balances in my account.