davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : **Dispute of Inaccurate Information and Request for Removal under 15 USC 1681** Dear Sir or Madam, I am writing to formally dispute the inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681i , which mandates that credit reporting agencies must ensure the accuracy of the information they provide. The following accounts are inaccurate and/or incomplete and should the investigation come back determining as such, they must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX {$2100.00} These items are incorrect and must be removed from my credit report. I am requesting that you immediately investigate these inaccuracies as required under 15 USC 1681i and, upon verification of their incorrect nature, have them removed from my credit report. I trust that you will comply with your obligations under the FCRA and resolve this issue promptly by removing the inaccurate information from my credit file. If this dispute is not resolved within the legally mandated time frame of 30 days, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. Please confirm in writing when these items have been removed from my credit report. Thank you for your prompt attention to this matter.
Consumer complaint received 2015-04-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Credit Central Holdings, LLC (TN)

On XXXX XXXX, I mailed out a check that was post dated for XXXX/XXXX/2015 with a letter attached that requested that the check be cashed on XXXX/XXXX/2015 with instructions that if the person who received the check had any questions they should contact me directly. The check was then cashed and posted on XXXX/XXXX/15. This caused me to overdraft my account and overdraft fees have resulted. I contacted Credit Central and spoke with XXXX to inquire why they cashed my check before the date on the check and why they did not contact me. She acknowledged reading my letter and said that she assumed that I had made a mistake by marking the date on the check and letter to the XXXX instead of the XXXX which is my due date. She then transferred me to her manager XXXX. XXXX explained to me that the check had posted and there was nothing they could do. I advised XXXX that I would accept the mistake if they would refund my overdraft fees. She then reached out to her manager XXXX XXXX who advised her that is is there policy that they do not hold check payments. This policy I understand but I was never made aware of it nor was it outlined in my contract. In any case, they should have called me if they felt like there was an error with my payment. XXXX then reached out to his manager who refused to refund the overdraft fees to me as well. XXXX also claimed they had no record of my letter correspondence even though XXXX had acknowledged it in an earlier phone conversation. He also advised me without provocation that there was no legal recourse I could take even though I did not state anything about taking legal action against them. I advised him several times that I would escalate the matter further unless I received satisfaction. He disregarded this. Unfortunately, I am in a financial situation where I am living paycheck to paycheck and this has caused me an amalgamation of stress and hardship. I refused to do business with this company again and encourage others to refrain as well.
Consumer complaint received 2015-08-11
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Works & Lentz of Tulsa, Inc. (OK)

I am not sure how this works or if checked correctly, I am a XXXX XXXX who had XXXX, got bill sent in payment XXXX time they sent refund girl at office said they mistaken it missed my account so next month did sent in again they took payment not working, so figured send what I can medical was over XXXX until insurance XXXX, my XXXX not recognized so only have XXXX. I thought ifhey accepted payment there were no issues last bill got said only {$8.00} paid it full, few weeks later get a letter from their law offices sent in XXXX payments same account number XXXX they had received and processed them, not sure if not working and sending them money each month why they threaten XXXX XXXX, limit info protected by HIPPA as told them, hassle me under doctor 's care and told to avoid stress to much become a risk to my life XXXX if not XXXX. I thought once they accept payment under my account number I would not worry about being turned into collections let alone a law firm and law firm threatening letter, as tried to tell them once I get some of the bills corrected I can work on theirs more but have XXXX who apparently put in wrong billing address for a lady XXXX and bills hers were also sent to me confusing me getting over XXXX bills but never that I know of missed a month of sending them money accept when they called said they girl XXXX and refund payment because they looked up my account wrong which is not my fault all bills have same account number on them so assume same issue but no thinking their sort of messed up on billing if {$8.00} full bill was paid then get collection letter from their attorney which made me not able to sleep all night worried XXXX my credit after ID theft when in hospital and care facility for XXXX years, so please I just mailed another {$30.00} even though the last bill I got said {$8.00} paid in full, no 30 day notice no total of bill on account apparently so no idea how they do their billing before ill have degree in XXXX and do not understand their policies or procedures why they call when they screwed up on check but sent no prior notice before sending me to their attorneys. Or XXXX up my credit its taken years to fix since ID theft also told them not working so surprised they took this procedure and action against me is this they correct way to do this or did I XXXX up help please very upset and confused, XXXX over this issue I thought i was doing it correctly per law and their acceptance of my payments. Never said I would not pay but if turned into collection sort of counter productive in wanting to do right
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name XXXX XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-11-11
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. (TX)

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per I5 usc1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit '' report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorney 's General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Consumer complaint received 2024-11-11
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)

ON XXXX I FILED A FTC REPORT NUMBER XXXX ; ALSO WITH THE CFPB. THE ACCOUNT CAME BACK AS VERIFIED. HOWEVER VALIDATION OF THISDEBT WAS NOT PROVIDED AS REQIRED BY 15 USC 1692g VALIDATION OF DEBT. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-11
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)

Trafficking Block Request Dear Sir or Madam : I am a victim of human trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-11
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. (MO)

I do not consent to e-OSCAR verification and want an actual living human being to read this complaint. I will have my marked-up consumer report attach below in reference to my federal consumer rights being violated by the XXXX XXXX XXXX reporting 's. Every circled furnishing attached below is a violation to my federal consumer rights. My invoice for actual damages and violations will be attached also. I have already attempted to have Transunion update these accounts properly but unfortunately, they are continuing to be negligent, and I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance.
Consumer complaint received 2015-12-03
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Credit Protection Association, L.P. (WI)

XXXX/XXXX/2015 -- I received XXXX inappropriate phone calls from the 'debt collectors ' Credit Protection Association XXXX just today! First call was at XXXX - which is outside of the allowed call hours. Then at XXXX - they called me XXXX times in a row. They did not leave a message, just called XXXX times in a row - using up my phone minutes and harassing me. I do NOT owe this company anything and I do NOT appreciate being harassed! I have not received any written communications from this company and I do not know what they is about. -- - Also, upon investigation into this phone number, you will find that they have hundreds of complaints for spamming, scamming, calling outside FDCPA parameter, etc .... they need be stopped.
Consumer complaint received 2024-11-11
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. (CA)

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I asked by a friend to cosign with her on a car. When the paperwork was brought to me at work I was the buyer and her name was n't even on the contract. I questioned why I was the buyer and not the co-buyer and was n't even informed that she was n't on the contract with me. I signed after hearing the reason why from the salesman but after thinking about the situation asked the dealership to change the paperwork and make it right. My complaint right now is with Chrysler Financial Corporation because I informed them what had taken place and that I was worried about how this would effect my credit. Chrysler Financial Corporation did escalate this to the office of the president and talked to the dealership but because I signed the contract there 's nothing they can do and its up to the dealership. The dealership made material misrepresentations on applications ( me as a buyer instead of co-buyer ) without informing me by phone or written agreement. Never was informed under the XXXX Practices Rule that states " creditors to advise consumers who cosign obligations about their potential liability if other person fails to pay ''. I let Chrysler Financial Corporation know that the car was taken back to the dealership because they misrepresented the paperwork to me that I signed. Never talked to a finance person and as of this day of XXXX/XXXX/15 never been on the dealerships property. So this complaint is about how Chrysler Financial Corporation views my obligation to this contract under misrepresentation by the dealership they finance cars through. Yes I did sign the contract but the only person I every spoke to before signing the paperwork was the sales person.
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IN)

I previously contacted all XXXX credit reporting bureaus in early 2014 after completing a rehab of my student loans. I just learned yesterday in the process of buying a house and after a XXXX bureau credit pull that Equifax is still reporting a XXXX account as a collection account. I contacted XXXX, and they say I have to dispute with the reporting agency. 

My frustration is two-fold : 1. I already did this and it worked as the process was supposed to with all other issues and with the other 2 reporting bureaus. Now I have to wait between XXXX days for my credit report to show this ; and 2. I 'm not going to be able to close on my home loan on time because of this, and I 'm going to have to scramble to make alternative living arrangements and expenses, and may see the seller pull out of the deal leaving me to also try and find a new place to live permanently!
Consumer complaint received 2024-11-11
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. (CA)

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 
The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

I was in an apartment ( XX/XX/XXXX ) that I lived in up until my lease agreement. I gave a 60+ day notice, even have documentation that I cut off the utilities out of my name, and lease agreement of an apartment in a whole other state. A year and a half later I received a collection on my credit saying I owe for 6 months ( XXXX ) after my lease was up. I have provided them this information ( disconnected utilities, new lease agreement. ) and tried to dispute but it was denied. Ive also had complaints throughout my lease agreement of wanting to move and do a buyout agreement. There was also an altercation with the maintenance guy in the the property management was aware of that resulted me in feeling unsafe and wanting to move out of the complex.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I requested a credit line increase from XXXX XXXX and received a denial letter stating there was legal action pending against me. I a reviewed my Consumer Reports and there is no legal action pending by any credit agency. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never had any legal action pending against me on ( XXXX XXXXXXXX : acct number XXXX. Please investigate and provide Proof there is legal action pending. It proof can't be provided I demand my credit is updated and the legal action be removed from my reports.