davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I sent in my drivers license, drivers license records with proof of addresses, social security cards for me and my minor children, birth certificates, for a total of 17 times since XXXX and I never received the false information removed, or copies of my credit report via mail. I get a correspondence mail saying they need the information that I already provided. There are inquires for XXXX XXXX XXXX XXXX, XXXX XXXX 7 times and I dont use it, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 8 times in one day, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS- XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX using my name at XXXX XXXX XXXX XXXXXXXX SC XXXX I filed the police report they said all they can do is file thats it, XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX sc XXXX, XXXX ADDRESSES, XXXX, XXXX, XXXX, XXXX, XXXX, - Phone Numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX XXXX XXXX SHOWS I HAD AN ACCT WITH THEM YEARS AGO AND NEVER DID, XXXX XXXX XXXX REPORTED FALSE EVICTIONS CAUSING ME AND MY KIDS IN XXXX not to get housing false payment reports and using other peoples address in my file, XXXX XXXX FOR XXXX someone opened account using an address I wasnt living at but my drivers records shows someone changed my address via online over 9 times without my knowledge, XXXXXXXX XXXX  FOR A MEDICAL BILL NOT MINE, XXXX accused me of snap trafficking but the address on file was incorrect and sent to an. Address I was never afflicated with, wasnt able to purchase a car due to false auto information on the report, unable to get insurance due to false insurance information, unauthorized XXXX accounts opened with out knowledge with a XXXX bill not mine the address again is not where I was living at the time. There were insurance companies I was never afflicated with.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I started disputing inaccurate info on my credit report an I ask credit bureaus to delete any inaccurate info on my report an it was not legally deleted instead after each dispute my reports came back as verified and accurate. I want to know how could the be when the accounts I am referring to are charged off accounts that is reporting a balance, that a clear violation of the FCRA. I also sent an FTC report to prove the account wasn't mine an yet the three bureaus still state that the account are accurate but still reporting inaccurate info to my reports. 


Company or Organization : XXXX XXXX Account Number : XXXX amount- {$270.00} Company or Organization : XXXX XXXX Account Number : XXXX amount- {$150.00}
Consumer complaint received 2022-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (DE)

Navient has been charging interest on my XXXX XXXX loans for the last 3 years even though I have been certified part-time student status since XXXX. I have been either certified XXXX student or XXXX student from XXXX and then again as of XXXX. Both loans were charge XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Navient deceptive practices and blatant disregard for federal programs laws is disgusting. This is proof that Navient has used their position as my student loan servicer to break federal laws for their own financial gain at the expense of the consumer.
Consumer complaint received 2022-08-06
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 — Was not notified of investigation status or results
Company: CBC Companies, Inc. (PA)

I'm a natural person. The credit bureaus continue to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts we'll have some big problems and I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Consumer complaint received 2022-08-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (CA)

XX/XX/2022, filled out the Odometer Statement and uploaded to my account. 
XXXX, talked with different XXXX  representatives several times, to make sure they received the Odometer Statement and asked about the way to transfer the cash to fulfill the quote. 
XX/XX/2022, transferred the first payment. 
XX/XX/2022, transferred the second payment. The sum of the two payments make up the quoted amount. The transactions were confirmed by XXXX. 
XXXX, called XXXX  customer services and email lease and/or title department multiple times to follow up on the title transfer. I has been told that it would take 7 to 10 business days. 
In sum, XXXX  confirmed that the quoted payment has been paid in full on XX/XX/2022. They claimed it takes 7 to 10 business days for them to transfer the title to me. Yet I have not received any title as of today XX/XX/2022.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

15 USC, 1681-B A Intends to use information as Trans Union violated my consumer protection rights FCRA My desire is to have these inquires removed from mm credit report XXXX XXXX Applied XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX ( Home shopping )
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I am not able to access the account or call trans union or XXXX at this time. However I did notice still some issues not resolved. Realize being worked on and I am working on identity issues however I did have a legal name change 2008 that I did have to amend and took years. But if it helps them partly resolve the problem there was a gap of time between the documents were amended. The XXXX XXXX ID is not the same as I had a drivers license in given and legal name that I had despite the error as well as after ammended. So it doesnt have the same New Hampshire XXXX license number because it hadnt expired at the time. So I am able to supply it to them but in between the state XXXX took effect replacing the drivers license which likely is causing more confusion I had to give up driving because of low vision. So because birth certificate can not be copied I am in process of getting a replacement passport and then it should be able to be amended. Otherwise I have to go back and redo the application for passport in place of the birth certificate. Apparently someone else took out credit card loans so no it was not my debt still see a number that I can not know if it was mine. Trans union. XXXX. Landlord at the time had similar number and anyone could have used his or my phone so just let them know. Between them. Also at this address computer went through my number dial up not wifi for both his and my computer so reasonable doubt for me again
Consumer complaint received 2022-08-05
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: Early Warning Services, LLC (TX)

Ive tried multiple times having these items remove from my consumer report and nothing has been done about it under the federal law it clearly states that I have a right to privacy as it is there grave responsibly well as they had no promissible purpose to furnish these my personal information has been put into the world. 15 usc 1681b ( 2 ) - a consumer reporting agency may furnish a consumer report under the following in accordance with the written instructions of the consumer 15 usc 1681a ( 4 ) -congressional findings there is a need to insure agencies exercise their grave responsibility with fairness impartiality and respect for the consumer right to privacy
Consumer complaint received 2022-08-05
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. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX in amount of {$1200.00} XXXX has violated my rights and needs to be deleted from my credit report. Law 15 U.S.C. 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my consent.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Receivables Performance Management, LLC (FL)

On XX/XX/2022 XXXX XXXX reported on my credit report for the amount of {$2300.00}. I have contacted and sent letter multiple times to the creditor that this account is not mines and is a fraudulent opened account. The creditor refuses to remove the information from my credit report. I have exhausted all I can do at this point with proving this account is not mines and was never mines. Please have this creditor remove this fraudulent account as it is hurting my credit. Thank you
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax have violated my consumer rights by furnishing inaccurate information on my credit report. 15 USC 1681a ( 3 ) Congress made it clear that consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave them permission and they did not exercise their grave responsibility, they were unfair, impartial, and most importantly did not respect my right to privacy. I never provided them with written instructions nor gave my consent for them to furnish any information.
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NJ)

An accident occurred on XXXX involving two vehicles, one which was my property and the other that belonged to a XXXX insurance client. both our testimonials contradict the other but there has been no police report and no in person evaluation of the accident that occurred that day. I had a chance to speak to an insurance agent who explicitly explained that there was no type of evidence, digital or testimonial that could support or give advantage to either party. I was recently contacted by a company called afni, who on behalf of XXXX XXXX informed me that I may be liable for payments XXXX  has made to its policyholder. Approximately {$2000.00}. Both of these companies have failed to provide significant evidence that indicates my liability for this debt. I was also informed of the probability of legal action in my turn and would like your assistance in ceasing the situation. 

Thank You. Along with this I have attached a copy of the letter that I received.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Ive tried multiple times having these items remove from my consumer report and nothing has been done about it under the federal law it clearly states that I have a right to privacy as it is there grave responsibly well as they had no promissible purpose to furnish these my personal information has been put into the world. 15 usc 1681b ( XXXX ) - a consumer reporting agency may furnish a consumer report under the following in accordance with the written instructions of the consumer 15 usc 1681a ( XXXX ) -congressional findings there is a need to insure agencies exercise their grave responsibility with fairness impartiality and respect for the consumer right to privacy
Consumer complaint received 2022-08-05
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)

I submitted CFPB complaints to Experian on XX/XX/2022, XX/XX/2022, as well as a XXXX XXXX XXXX  Complaint on XX/XX/2022, and a FTC complaint on XX/XX/2022. I've also mailed numerous written disputes to Experian via certified mail, online via Experian 's website, and over the phone with Experian to no avail. On XX/XX/2022, Experian received and signed for a notice requesting the method of verification they used to reinvestigate my disputes, and I've yet to receive that information. Pursuant to 15 USC 1681 ( a ) ( 3 ), assumed their role in assembling and evaluating consumer credit and other info on consumers, I never gave Experian permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian 's consume report about me is unfair & impartial because I was never consulted to verify if the information was accurate or if even wanted the info reported at all. Experian hasn't exercised their grave responsibilities as evidenced by the hundreds of inquires they've allowed into my consumer report, as well as the continuous reporting of unverified accounts on my consumer report. Experian has shown a complete lack of respect for my right to privacy, by reporting these accounts and inquiries without my consent & written instructions. These actions by Experian are also violations of the Gramm-Leach-Bliley Act, referenced by 15 USC 6801 and 15 USC 6802.
Consumer complaint received 2022-08-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (ND)

The following violations of the US CODE TITLE 15 COMMERCE AND TRADE have been committed by GM FINANCIAL in the contract with : 15 USC 1605.Finance charge defined except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 15 USC 1603 Credit Transactions, other than those in which a security interest is or will be acquired in real property, or in personal property used or expected to be used as the principal dwelling of the consumer and other than private education loans are exempted transactions. 15 USC 1602 ( L ) Defines the term Credit Card as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 USC 1631. Disclosure requirements ( b ) If a transaction involves one creditor as defined in section 1602 ( f ) of this title, or one lessor as defined in section 1667 ( 3 ) of this title, such creditor or lessor shall make the disclosures. If a transaction involves more than one creditor or lessor, only one creditor or lessor shall be required to make the disclosures. USC 1662. Advertising of down payments and installments ( 1 ) ( 2 ). As a result I am enforcing USC 1635. Right to rescind ( a ) ( b ) ( c ) ( e ) ( f ) ( g ). GM FINANCIAL DID NOT DISCLOSE MY RIGHT TO RECENED. GM FINANCIAL USED MY CREDIT AND FORCED ME TO MAKE A DOWN PAYMENT. I informed Gm Financial of these violations through a Notice of rescission as well as a CEASE AND DESIST letter that was signed and notarized and 15 USC 1692 was quoted but I am continued to be harassed without addressing these violations. Not to mention the contract they have has no bases as my signature was forged compared to the original contract that I have in my possession inwhich my vehicle is assigned to XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have sent multiple letters to the 3 main credit bureaus regarding a late payment that is not verifiable that is still reporting to my credit scores. The first letters were sent 91 days ago, then another round of letters sent 70 days ago, and the last round of letters were sent out 26 days ago. 

The one late payment from XXXX XXXX that is reporting is not verifiable as I've already spoken with XXXX XXXX and they do not report any late payments that are under 60 days. 

So how is this still showing on my credit reports?
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tower Loan of Mississippi, Inc. (MS)

I filed for XXXX  XXXX Bankruptcy in XX/XX/2022. 

I was a co-signer for a loan with Tower Loan, for my wife. 

However, my wife did not file for XXXX. XXXX bankruptcy as well. 

In my filing, since I am not the primary on the loan with the company, my attorney had me removed from the debt to Tower Loan, no longer making me responsible. 

I have been paying on my Bankruptcy since XX/XX/2022, and Tower Loan is reporting to Credit Bureaus that I am XXXX late on the account. 

If Tower loan did not submit a claim to the Bankruptcy Trustee that is overseeing my bankruptcy, then I should not be held liable for any late charges or payments on my credit report. 

They are the only company I am having issues with on my credit report.
Consumer complaint received 2022-08-05
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. (TX)

On XXXX XXXX I sent trans union LLC a certified letter to Investigation request letter to investigate XXXX XXXX account number XXXX for 100 % accurate information if not deleted the account.How ever, this accounts is Still inaccurate.Date of last activity is different between TransUnion and XXXX, Date reported is different between TransUnion and XXXX, Closing Date is different TransUnion and XXXX and Payment Amounts is different between TransUnion and XXXX. I have provided proof with uploaded documents they have violated these laws as well 15 USC 1681 ( A ) XXXX15 USC 1681 ( A ) ( E ) .15USC 1681A ( XXXX ) and 15USC 1681 ( XXXX ) ( A ) ( I ) states After any reinvestigation under paragraph ( XXXX ) of any information dispute by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.TransUnion need to delete account immediately unless they want to be held for a XXXX violation
Consumer complaint received 2022-08-05
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. (SC)

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 Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 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 2022-08-05
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-08-05
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. (MD)

In accordance with the Fair Credit Reporting act Dept of EducationXXXX 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 a account without my written instructions