davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Attn : Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX  Attn : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX Subject : Dispute of Inaccurate Debt Reporting, Cease Collection Attempts, and Request for Full Accounting Dear Sir/Madam, I am writing to dispute the inaccurate debt reporting on my credit report, which originated from billing errors on behalf of XXXX XXXXXXXX and was subsequently sold to Resurgent Financial. The debt in question was charged off by XXXX XXXX before resolving the billing errors, and XXXX XXXX purchased the debt without properly verifying its validity. 

It has been confirmed by XXXX XXXX that this debt is inaccurate, yet it continues to negatively impact my credit standing. I demand immediate removal of this account from my credit report due to the lack of proper verification. Additionally, I request that all collection attempts be ceased, including furnishing erroneous information regarding this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute inaccurate information on my credit report and request verification of the debt. This debt has been proven to be fraudulent and should not be reported on my credit file. 

Furthermore, I request a full accounting of the sale of this alleged bad debt, including all relevant documentation and information related to the transaction. I expect this information to be provided to me within 30 days of the date of this letter. 

Failure to comply with these requests may result in legal action being taken to protect my rights under the FCRA and FDCPA. I urge both XXXX XXXX and XXXX XXXX to resolve this matter promptly and in accordance with the law. 

I request written confirmation of the removal of this inaccurate debt from my credit report, cessation of all collection attempts, and the provision of a full accounting of the debt sale within the specified timeframe. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX WITHOUT RECOURSE UCC 1-308
Consumer complaint received 2024-11-18
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 contact the credit bureau and tried to remove this fraudulent account XXXX XXXX  XXXX / XXXX XXXX I am writing to formally dispute a fraudulent account that is being reported on my credit report. This account, which I have reason to believe was opened without my consent or knowledge, is inaccurately reflecting on my credit report, and I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

I have already filed reports with the Federal Trade Commission ( FTC ) and the local law enforcement, and the fraudulent nature of this account has been thoroughly documented. Despite this, the inaccurate information continues to be reported on my credit file, which is unlawful under the FCRA. 

In accordance with the FCRA, I request that you immediately investigate this matter, remove the fraudulent account from my credit report, and send me written confirmation of the results. Please also ensure that the appropriate updates are made to prevent further negative impact on my credit score.

Should you fail to resolve this matter promptly, I will be forced to consider legal options, including reporting the ongoing violation to the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action. 

I appreciate your immediate attention to this matter, and I look forward to your prompt response confirming the removal of the fraudulent account.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OH)

To Whom It May Concern : I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and, the current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : 1. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR 2. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT 3. ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT 4. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.
Consumer complaint received 2024-09-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PNC Bank N.A. (TX)

Records show I initially received notification up updated payment coupon of loan, dated XX/XX/XXXX. Initial terms of the loan was acquired from XXXX XXXX, indicate there was 75 payments to be made in approximate amount of {$490.00} each month. 

However records actually show approximately 77 total payments made. 
Using coupons provided, the last payment was made on XX/XX/XXXX. 
I received a Notice of Default and Right to Cure, dated XX/XX/XXXX ( See Exhibit XXXX ). 

I immediately contacted PNC Bank customer service and spoke to several representatives regarding my dispute. I received a call back from customer supervisor, XXXX XXXX regarding my dispute on XX/XX/XXXX. 
Upon receiving an accounting detail record, I could see obvious discrepancies in how my overpayments were being applied and excessive late fees assessed ( See Exhibit XXXX ). Customers were also offered a deferral/forbearance during initial COVID period in XXXX of XXXX. 
All the while, I was still assessed late fees even while making payments. I show first discrepancy of {$600.00} payment made on XX/XX/XXXX being reversed. There are no records with my bank showing return payments. All the while, the accounting summary shows I was assessed and carried over late fees each month with no notification to me. 
A second instance shows a payment of {$500.00} received on XX/XX/XXXX ; yet there was no change in the running balance from the prior month of {$15000.00}. 
A third instance shows payment of {$500.00} on XX/XX/XXXX, yet the running balance was only reduced by {$5.00} ( to {$15000.00} ). 
Additional {$500.00} payments were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively ; yet no change in the running balance showing {$15000.00}. 

On XX/XX/XXXX records show I made a double payment of {$1000.00} and which shows an overpayment and principal credit adjustment. Records show I continued to make overpayments each month, yet no explanation on how overpayments were being applied ( principal reduction or reduced future payment ). 
I subsequently attempted to call the customer supervisor and left messages, and was later told he was on two-week vacation. The representative then recommended I go into the branch location to speak to the branch manager. 

I then went in early XXXX, and wasted 1-2 hours sitting down a loan officer/assistant manager, who couldnt understand the discrepancies either when reviewing the accounting summary ; which showed a remaining balance of only {$79.00} verses the default letter balance of {$460.00}. 
Upon conference call with their corporate loan department, I was then told I had to write a formal dispute letter and the branch manager couldn't assist me after all. 

Even after I initiated a dispute by phone and at the branch, PNC has continued to misreport to all major credit bureaus, and which has negatively impacted my credit rating and ability to apply for credit. They have refused to respond to my dispute.
Consumer complaint received 2024-10-06
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: EQUIFAX, INC. (MI)

On XX/XX/XXXX I asked the company to block out this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act and to send me a notification of the act taken on my behalf. The information was not blocked within the 4 business days and still remains on my credit.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (FL)

Hey I never had a issue with them until now I had good reporting and never missed payment I see you guys do this to a lot of Apple users thats not fair theres no reason I need my account and spending balance lifted
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (OK)

I have identified incorrect information on my credit report that has been repeatedly verified by XXXX, Experian, and XXXX as accurate. However, I have substantial evidence, which I have attached, proving the information is false. Continuing to report and verify these inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly section 611, which requires a thorough investigation into disputed data. 

The continued presence of this false information on my report has caused unnecessary harm. As such, I demand immediate correction and the removal of this inaccurate data from my credit report. Please review the attached documents carefully and take appropriate corrective actions to avoid further legal violations.
Consumer complaint received 2024-10-06
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: EQUIFAX, INC. (TX)

I am filing a complaint against Equifax and XXXX due to their inaccurate and misleading data reporting on my credit reports and failing to remove this information despite me showing proof that this data is misleading and inaccurate when XXXX XXXX XXXX XXXX ( XXXX ) failed to provide proof that this alleged debt is even mine or that XXXX legally owns this debt. Equifax and XXXX did not conduct a true investigation and simply said this item is verified with no proof that is is verified. 

On XXXX I received an email from XXXX stating that a collection would soon be reported to the credit bureaus due to failure to make arrangements with the debt. I was never notified of this alleged debt and was simply told this would soon report on my credit reports. XXXX did not notify me of this alleged debt prior to this notification. 
On XX/XX/year>, I sent a letter to XXXX in XXXX, GA requesting validation of this alleged debt in the form of the Original Purchase Agreement which and shows that XXXX legally owns this alleged debt. 
XXXX failed to respond or provide proof of my request to validate this alleged debt and after this 30 days, I then contacted XXXX, XXXX and Equifax by mail on or around XX/XX/year> to initiate a dispute due to the debt collector failing to provide proof that this alleged debt is even mine. I mailed the letter I sent to XXXX to all three bureaus to provide proof that I followed the process of validating the debt. 

Due to XXXX failing to provide proof that this alleged debt is mine, the data on my credit reports is now misleading and inaccurate. XXXX deleted the collection from my reports. However, Equifax and XXXX did not delete this information off my credit reports despite me showing proof that it is clearly misleading and inaccurate. They simply said it was verified and accurate. 
How is it verified when the debt collector failed to provide me legal proof of this alleged debt and that its even mine? 

I have contacted Equifax and XXXX multiple times to get this information removed and they refuse to comply, failing to show me any evidence of a true investigation.
Consumer complaint received 2024-11-16
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 am writing this letter to dispute fraudulent items that have appeared on my credit report. I have recently discovered that I have been a victim of identity theft, and I want to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws.As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the immediate removal of the following fraudulent items from my credit report. 
I demand the prompt action of these fraudulent items from my credit report. I expect these items to be removed within four business days of your receipt of this letter, as mandated by FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am asking for your help regarding the incorrect account showing up on my credit report. This issue has adversely affected my reputation, and I need your intervention. The way my credit report has been managed has brought me to my lowest point, as this misleading information has devastated my reputation. It is crucial that you remove this false data from my credit report.
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Assistance with Inaccurate Information on Credit Report Dear CFPB, I am writing to seek your assistance regarding an ongoing issue I have been experiencing with Experian concerning inaccurate information on my personal credit file. Despite my repeated submissions of documentation to rectify these inaccuracies, Experian has continued to disregard my materials, only correcting my name in their records. 

Additionally, I have noticed that my name and address are also listed on my XXXX account correctly. That other address is not linked to any of my accounts listed on my credit report. I respectfully request that this unassociated address be removed as it is causing confusion. 

I believe I have provided sufficient documentation to support my claims, yet it seems my efforts have gone unacknowledged. I would greatly appreciate your help in investigating this matter and ensuring that my credit file reflects accurate and correct information. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION (GA)

On XXXX XXXX I woke up and went outside to see that my XXXX XXXXXXXX XXXX was gone. I figured someone may have stolen it because it was parked in my driveway so there was no reason for it to have been towed and my car payments was paid up two months in advance. I called the police letting them know that my vehicle had been stolen they told me that it had been repossessed. The tow number that the police gave me didn't have my vehicle so then I figured if they didn't have it then who has it?! That's when I decided to call the lien holder of my vehicle who is Navy Federal Credit Union. They explained to me that they didn't understand what was going on because they didn't tell anyone to repossess my vehicle and that my payments were also ahead. They were confused on what was going on, so they told me to make a police report. I did that the police said they couldn't do much about it. Fast forward I found out that XXXX XXXX XXXX in XXXX, VA had my vehicle, they told me that the previous owner who had the car before me still owed on the car and that XXXX XXXX XXXX sent them to pick up my vehicle. I spoke with XXXX XXXX in XXXX, VA ( the dealership I got the car from on XXXX XXXX ) and they stated that they had nothing to do with it, but the check was written out to their company. I went to XXXX and spoke with the Branch manager. She told me that they had a title for my car and so did Navy Federal, but she stated that Navy Federal dropped the ball because they didn't do their research and see that the title had a lien on it. After she gave me that information, I contacted Navy Federal. Navy Federal has been giving me the run around since XXXX saying that they were going to contact their legal department and that I would still be responsible for the payments even though I don't have the vehicle in my possession. At this point I'm furious, frustrated, and very upset that my credit score has dropped tremendously due to this, and I have two companies blaming each other with nothing being resolved.
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (TX)

Upon reviewing my credit report, I noticed that inaccurate information continues to be reported despite previous disputes. The credit bureaus have repeatedly verified this incorrect information as accurate, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623. These sections require the credit bureaus to conduct a reasonable investigation and ensure the accuracy of information being reported. 

I have attached proof demonstrating that the information is not accurate and should no longer be included on my credit report. The continued reporting of this incorrect information is not only unfair but also a violation of the FCRAs provisions. 

Please immediately remove this erroneous information from my credit report as required by law, and ensure that future reports reflect only accurate data.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On or about XX/XX/2018 a dispute was placed with the credit bureau because Chasebank claimed I was over the balance ( XXXX ) being {$44.00} over. This caused my FICO score to drop by 2 percent. I reviewed my statement to find that XXXX had charged me in error {$14.00} x3. I called XXXX and found the agent made false and misleading statements to combine a regular email to my student email account which, XXXX fixed and credited to Chase but, was unable to credit my FICO score advising to speak with Chase to make correction. I called Chase they advised unable to correct issue but they did not know how to do this. I also found fraud charges XXXX XXXX for {$90.00}, {$36.00}, {$38.00}, {$15.00}, {$60.00}. I was advised on the reporting date that I would take 7 to 10 days from the date of XX/XX/2018 for the provisional credit to post to my account. However, the credit posted on XX/XX/2018 for {$240.00} -The balance reflected the available amount of {$240.00}. I made purchase from the date of XXXX to XX/XX/XXXX of total of {$300.00}. I made a payment on XXXX and XX/XX/XXXX each for {$100.00} ( equal to {$200.00} ). This would have give me a total credit for XXXX XXXX ( + {$46.00} ),  XXXX ( + {$240.00}. ) My payment ( + {$200.00} ) = $ XXXX {$300.00} leaving a closing balance of {$180.00}. However, XXXX send the payment back to Chase which, Chasebank adjust all the provisional credit of {$240.00} instead of OFFSETTING the amount of {$240.00} XXXX sent to Chasebank the Fraud department called on XX/XX/2018 stating they were going to take the amount back. Now, Chase is showing that I am over $ XXXX.I spoke to XXXX-Manager- she validated the error but, refused to correct the fraud departments adjusted.