davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED these ACCOUNT and its derogatoriness as being associated with the mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently. ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. 
XX/XX/XXXX, XXXX, XXXX HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) XX/XX/XXXX XXXX XXXX Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences ** ** 18 U.S. Code 241.Conspiracy against rights : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States , or because of his having so exercised the same ; They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse or an attempt to commit aggravated sexual abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. ( XX/XX/XXXX, Ch. 645, 62 Stat. 696 ; Pub. L. 90284, title I, 103 ( a ), Apr. 11, 1968, 82 Stat. 75 ; Pub. L. 100690, title VII, 7018 ( a ), ( b ) ( 1 ), Nov. 18, 1988, 102 Stat. 4396 ; Pub. L. 103322, title VI, 60006 ( a ), title XXXII, 320103 ( a ), 320201 ( a ), title XXXIII, 330016 ( 1 ) ( L ), Sept. 13, 1994, 108 Stat. 1970, 2109, 2113, 2147 ; Pub. L. 104294, title VI, 604 ( b ) ( 14 ) ( A ), 607 ( a ), Oct. 11, 1996, 110 Stat. 3507, 3511. ) **
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN:XXXX DOB : XX/XX/XXXX CFPB Consumer Financial Protection bureau To whom it may concern : Checking my Experian credit report found that the closed account : XXXX XXXX XXXX XXXX Account number XXXX inaccurately posted three late payments ; those payments were for XXXX, XXXX, and XXXX of XXXX. These are erroneous, looking at the report, they report 30 days late in XX/XX/XXXX, again 30 days late in XXXX not only is inaccurate is impossible because if I paid XXXX, it had to be current in XXXX or if XXXX wasn't paid, it had to show a 60 day late but it shows a 30 day late again, you report 30 days late in XXXX. Moreover, the late fees were rescinded by the bank and I was subsequently reimbursed. 
This is an inaccurate payment history and these errors should be removed from my credit file. 

Thanks XXXX XXXX
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I don't recognize this public record so I contacted the courts and they stated that the information I gave them didn't matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. I never filed bankruptcy ever in my life. This public record on my report is inaccurate and I demand that it gets deleted.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IL)

I currently have four federal student loans serviced by Navient / Dept of Education. These loans have been in forbearance since the beginning of the initial repayment period.

My credit reports four late payments on four each of these loans, totaling 16 late payments in my credit history ; a very damaging number. 

Forbearance was granted retroactively to cover the dates of these late payments, however in educating myself on the subject, I have found that Navient 's refusal to update the reported payments as " no payment due '' and remove these derogatory marks from my record in conjunction with their willingness to extend the forbearance for that period, in clear violation of the FCRA Notice to Furnishers of Information : Obligations of the Furnishers Under the FCRA.

I find this also to be in violation of the Higher Education Act which dictates : " as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a backdated deferment and forbearance that converted the original period of delinquency into a period where no payment was due ( Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''.

I am a hardworking individual who attempts to make responsible choices, and my creditworthiness is not reflected accurately as a result of this error in reporting. This unfairly affects my ability to obtain credit, housing, and even employment.
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (NY)

I have sent in Letters to the bureaus stating that i have personal information on my report that is wrong and a bank ruptcy on my credit report that is not supposed to be there because i spoke to the court and they said that they do not give information like that to the bureaus and i would like it to be removed so we can get to the bottom of this, i work to hard to have my credit report messed up especially when it's out of my control, the reason behind this complaint is that it has been well over 60 days and i have not heard anything from these credit bureaus, i did my job by sending the letters to inform them I need this fixed, now its time they did theres, i will list some accounts below and add more of my information so everything goes smoothly, lets fix this please. 

I sent these to equifax - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Discharged CH-XXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

i sent these to XXXX - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX 3. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy discharged Case Number : XXXX This account is inaccurate. Please delete at once. 

and i sent these to XXXX  - 1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX  XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 5. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXXdischarged Case Number : XXXX This account is inaccurate. Please delete at once.
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (FL)

In XX/XX/XXXX I received mail from First Financial Asset MGMT, Inc ( FFAM ) for an alleged debt owed to XXXX XXXX XXXX, XXXX FL office from XX/XX/XXXX rental total of {$400.00}. I contacted XXXX as any rental I made from them was paid at the time of the vehicle 's return to the company. XXXX location did not find any owed debt in their system and calls to their XXXX # yield no results. 

On XX/XX/XXXX, I received another collection letter from FFAM on behalf of XXXX stating I owed funds from a rental in XXXX, FL. On XX/XX/XXXX, I sent both XXXX and FFAM proof that I paid the rental charges and charges for future dates ( as they required I pay in advance for a few extra days ) to the XXXX, FL office on XX/XX/XXXX. At the end of the rental, I return the vehicle/closing out the rental at their XXXX XXXX office in XXXX, FL. The rental was returned in person to an XXXX associate, not a night drop. I was already paid up so no more payments were needed. 

On XX/XX/XXXX, I received another debit collection from FFAM with a copy of the original bill XXXX rental, completely ignoring the fact that I have provided written proof that the payment was paid to XXXX XXXX, FL location in XXXX. 

It seems there is an issue with XXXX XXXX and their XXXX, FL recording keeping, however, FFAM has proof of payment and has completely ignoring this proof and instead is continuing to harass me on behalf of XXXX. This process has caused me stress and time on an already paid debt. 

I am filing this complaint in hopes to have this stopped and FFAM and XXXX clear their records.
Consumer complaint received 2021-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed a account on trans union which is over the 7 year period. Trans union refuses to remove this as required by law. Trans union is in violation of the law. The account was closed XX/XX/2013 was last payment made which is now almost 8 years ago which violates the 7 year law.
Consumer complaint received 2021-07-19
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. (TX)

Equifax is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bonafide ID Theft/ Fraud however they have failed to remove 5 accounts on my credit report which has lowered my credit score by over 200 points. 

Today I talked with a supervisor who said that all he could do was file another dispute even though Equifax has already disputed the information several times. Disputing is pointless because it is fraud so the original creditor is validating fraudulent information. More importantly, the original creditors can not provide proper validation that is required by federal and Texas state law. The original creditors, due to fraud, can not provide me or Equifax with any original credit application or signed loan contract with my signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated.
Consumer complaint received 2021-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Hi, l am a customer of Coinbase. l always seem to have a problem accessing my money to transfer it to another bitcoin wallet address. For instance, when l had {$1100.00} deposit in my account, the system/payment gateway would tell me l do not have enough money for the {$1000.00} transfer. l would have to wait and try and try again to transfer the {$1000.00}. When it finally allow me to transfer the {$1000.00} it only allowed {$960.00}. l would like the Consumer Financial Protection Bureau to have Coinbase change their payment gateway to one that allow for immediate access to the money in my account.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I am submitting this complaint in the behalf of people that can learn from my experience. 
Since XX/XX/XXXX, there was an agreement with Wells Fargo Bank that my statements will close on the 7th business day of each month. It has been that way since recently. On the Month of XX/XX/XXXX and XX/XX/XXXX, they suddenly changed it to the 5th business day of each month, without prior notice. I asked them, to please reinstate my closing date for the month of XX/XX/XXXX to the 7th business day. After nine days, they sent me a letter saying that " WELLS FARGO RESERVES THE RIGHT TO CHANGE STATEMENT CYCLES ASSIGNED TO YOUR ACCOUNT WITHOUT PRIOR NOTICE ''. Their letter also says : " we strive to remedy the request to the best of our ability. However, are restricted by items beyond our control, such as federal regulations, third party service agreements, and legal or regulatory implications ''. If you are an organized and responsible person, this is an issue. Now, my question is " Do all Banks have the same behavior? '' I never had THIS KIND OF ISSUE happening TO ME, but with WELLS FARGO. If somebody reading this complaint has a DEEPER INSIGHT, please contact me or let me know about it. If a " small issue '' like this is happening with no shame, then you can Imagine what is happening in other issues. It just takes a little yeast to leave the ENTIRE DOUGH. Not a fair game! The insatiable appetite for oppressive control is growing by giant leaps these days!
Consumer complaint received 2021-07-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Roadrunner Account Services, LLC (MA)

Roadrunner Financial , Inc. is acting ill will towards, I, the consumer. They are acting adverse towards I, the consumer, in fact natural person and original creditor. Please see exhibit A and B for proof of violation.

Pursuant to 15 USC 1605 ( f ) Credit is the right granted. A right. A right can not be denied because there is no such thing as denying rights to a consumer.

Additionally, they are in violation of 15 USC 1692c ( b ) and 15 usc 1691 ( a ) ( 3 ).
Consumer complaint received 2021-07-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MI)

I paid off my lease with a certified bank check on XX/XX/2021 and the check was cleared on XX/XX/2021. Since then, Ally Financial has not sent me anything. During multiple calls on their Customer Support ( XXXX ) line they said that the documents will be sent to me. They also provided a number for Ally Remarketing Department, XXXX. I spent total 5hrs+. trying to talk to somebody who could help. The line is a dead end. 
In Michigan, the lender must notify the secretary of state within 15 days of receiving a final payment. 
Three weeks after they received my payment, I had received nothing from Ally. By definition A lienholder is a lender that legally has an interest in your property until you pay it off in full ''. They received my money and have no legal interest in my car as a lienholder anymore. The amount of time to process the payment and release the title is way beyond reasonable since a processed transaction means the bank has verified the transaction amount and has adjusted the funds accordingly between the bank accounts used.. 
Ally Financial is seizing my title hostage violating my rights to sell the vehicle. I do not owe a penny to Ally and still can not sell my car. Ally Financial does not send me anything ( lien release, buyout package or the title ). They do not refuse to send the documents ; they just simply do not send them. 
I have been unsuccessful with getting anything directly from Ally Financial. I hope that the CFPB will assist me with this matter, Ally Financial honors the agreement and releases the title to the vehicle.
Consumer complaint received 2021-07-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have reason to believe, and do so believe, that this organization did not loan me anything and I do not have any alleged debt with Capital One. Pursuant to 15 USC 1602 ( f ), ( g ), ( l ). I have reason to believe, and do so believe, that this is a consumer credit transaction where I as the original creditor used my credit card, which is my social security card, to assign myself to the creditor by granting the right on the existing credit plan. As pursuant to 12 USC 1431 ( a ). The power and duties of banks is to be a borrower. I have reason to believe, and do so believe, that Capital One used my credit card to get a loan, and pursuant to 15 USC 1692j ( a ) created and furnished a deceptive form in the attempt to make me the consumer think I got a loan. I've sent a debt validation and cease and desist letter via certified mail, as well as a notarized affidavit via certified mail, and I have not received any response my mail. Capital One has continued to report on my consumer credit report during this time, as well as attempt to communicate with me via telephone or email to collect upon the alleged debt with no regard for federal law nor my rights as a consumer.
Consumer complaint received 2024-09-27
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (VA)

I contacted XXXX to find out why my insurance rates increased. I was told that the increase was the result of information contained in LexisNexis report. I was instructed that a report could be downloaded from their site for me and my spouse. I submitted my requests via their site and was sent notification by mail to access my information with certain required PINs. The information and PINs received were for both myself and my spouse. We attempted to login using the provided information/PINs and no luck. 
I attempted to contact LexisNexis via phone in XX/XX/2021 but had zero success. I emailed LexisNexis originally on XX/XX/XXXX and a follow-up email was sent XX/XX/XXXX with zero response from the company. I submitted a XXXX XXXX XXXX  complain on XX/XX/2021 and have heard no response from the company. 
I have not received any correspondence from LexisNexis on what they reported to cause increase in my insurance premiums.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have disputed a bankruptcy that is appearing on my credit report ( s ) multiple times as having incorrect information and therefore causing me to think I was a victim of identity theft. Ive disputed multiple times, and even requested them to provide me with the the method of verification. When I was supplied the method of verification, it even listed a completely different court than is currently showing on my credit report. I need the bankruptcy that is showing on my credit report removed as soon as possible, as the incorrect information is damaging my ability to obtain credit and hurting my good name.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I filed a complaint # XXXX as the credit bureau was not publishing my financial score to lenders. As already described, I have since suffered various adverse responses due to this failure to compute and to my financial scores. After investigating with XXXX XXXX XXXX Bank, where I do have a XXXX XXXXXXXX account since XX/XX/XXXX with ( statement attached ) XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX ( attached ) from XXXXXXXX XXXX XXXX certifying that they do properly report to the credit bureau all my financial payments.