davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
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. (PA)

15 US Code 1681b ( e ) ( 6 ) All CRAs must work together and be joined.

I am writing to bring to your attention a major issue with the public record information on my credit report. It is a fact, consumer reporting agencies on a nationwide basis must maintain a joint notification system. This consumer has reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst CRAs. This information for Public Records on my consumer report does not match the information provided by other consumer reporting agencies. XXXX removed the Public Record from my consumer report, which means Transunion and XXXX has failed to maintain reasonable procedures to keep a joint notification system, and is in violation of US Code 1681b ( e ) ( 6 ). I kindly request that this inaccurate information be promptly removed from my credit report to ensure compliance with the Fair Credit Reporting Act. I understand the importance of accurate and fair credit reporting, and I trust that your agency will take necessary steps to address this matter in a timely manner. Please have the CRAs provide me with a written confirmation once the inaccurate public record information has been rectified. I appreciate your attention to this issue and look forward to a swift resolution. Sincerely XXXX XXXX
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are seven student loans that don't belong to me I have not applied or signed for these loans I have not been in school for years and years I have no idea who applied or ruined my credit I need these off my account and credit report asap. 
Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6300.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6500.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$13000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$20000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$29000.00}
Consumer complaint received 2022-11-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Dealer Services threatened to destroy my line of credit with the three major credit reporting agencies. I received a notification on XX/XX/2022, stating my scores drastically descended XXXX points. I've been having this ongoing issue with WFDS for some time now. I even tried to make a peace offering with them which was refused by WFDS. Their claim is void. WFDS failed to comply as a person upon whom the federal Act imposes the duties. WFDS kept the disclosure in a fine concealment away from me. The Truth in Lending Act and Regulation Z are apart of the Consumer Financial Protection Act. These two are the Controlling Law in the area of " disclosure '' when a person fails to comply with the Provisions in it's entirety. The CFPB enforces any person who deliberately failed to comply with the Provisions by not expressing to me the most important tasks of them all. The disclosure section was not expressed to me clearly or conspicuously. They expressed to me that I was in default. So I want to know what constitutes a default? What is the nature and the intention of this this claim. The term default is a Latin term called fallere, meaning " to deceive '', " to cheat '', " to put wrong '', & " to lead astray ''. In a financial sense, any lender or creditor who extends credit to a consumer and that consumer cease all payments, then received a notice saying how you defaulted on an obligation that you promised to pay back. In other words, these corporations are fully aware of their actions in deceiving and misleading us consumers, through the art of words and it's concealed meanings. How can I be held accountable for someone else negligent. I am holding WFDS liable for the destress this corporation has caused. Binding me to this procurement voided contract causing all kind of burdensome. There are concrete evidences of misleading and unfair business practices. the Congress has concluded a federal preemption of disclosure, by stating the field of disclosure and any attempt of States to remain in the field by enacting statutes and regulations of their own cause substantially more harm than good. The voidness penalty for making supervised loans without a necessary license has been deleted as unworkable. I had a right to prepay but this wasn't disclosed to me. There were no meeting of the minds, only a manipulation of the minds. In this provisions it states that the consumers are entitled to receipts and evidence of payments in various situations just like this issue. I need all receipts for my payments and evidence of payments. I was induce into a transaction by an unconscionable conduct, without a clear mind. I didn't understand the contract because of all the legalese terms that was used on the dealership bindtract. The Act also states that the enforcement of security interests in property, exempt from execution under a judgement, to secure loans has been restricted.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

THIS INQUIRY DOES NOT BELONG TO ME, I WOULD LIKE THIS TO BE REMOVED PLEASE. 

NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/2019
Consumer complaint received 2024-09-09
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)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX XXXX Account Type : Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am disputing inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have identified significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Derogatory '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Canceled by credit grantor. '' XXXX : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Paid '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Account has been closed due to inactivity. '' XXXX : No information reported. 

These inconsistencies between the credit bureaus, particularly regarding the account rating, account status, and reasons for closure, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in the information they report. TransUnion reports the account as derogatory, while XXXX shows it as paid. Additionally, the reasons for closure vary, with TransUnion reporting it as canceled by the credit grantor and XXXX indicating it was closed due to inactivity. XXXX does not report this account at all. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding my credit obligations and payment history. These discrepancies negatively affect my credit history and misrepresent my financial standing. 

I request that, under the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus clearly show that the reported information is not accurate. Please provide me with the results of your investigation and a corrected report as soon as possible. 

For your reference, I have attached copies of my credit reports highlighting these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2021-03-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (HI)

I called Multiple times to pay my loan in full and every time I called they said someone will call me, well no one called me. I waited all day someone called me from an unlisted number. that number that you can not call back then as soon as I pick up the phone they hang up immediately. I tried on the website I try to pay in full then they change the website configuration to where only shows an outstanding balance of a loan and your loan ID. I called multiple times I got the runaround it wasnt until I submitted a complaint with you guys and the XX/XX/XXXX did somebody finally called me and then took my information and said it would take two or three days .... still has not cleared and Im afraid they will continue taking money out of my account. Below is an email sent to me by them. This is a predatory loan business specifically they go out of their way not to let you pay a loan in full for a loan of {$600.00} by the time is paid in full you pay almost {$4000.00} My loan number is-XXXX NationalSmallLoan.com XX/XX/XXXX, XXXX XXXX National Small Loan XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/2021 Dear XXXX XXXX, Thank you for recently sharing your concerns with National Small Loan. 

Your complaint has been received and has been forwarded to the appropriate department for further review. Once that review has been completed, we will reach back out to you. 

If you have any additional concerns or questions, please do not hesitate to contact us. When responding to this email, please be sure to include your full name and last 4 digits of your Social Security Number for proper identification. 

Sincerely, National Small Loan www.nationalsmallloan.com XXXX Phone : XXXX Fax : XXXX Notice of Confidentiality : All content and information included and/or attached in this electronic mail transmission is considered to be confidential and is intended for the addressee only. All content is considered to be NationalSmallLoan.com 's exclusive copyrighted property. Any unauthorized reproduction, distribution, publication, or disclosure is expressly prohibited without the express written consent of the company. If you believe this e-mail message has reached you in error, please notify the sender by replying to the transmission. Please delete this message without disclosing or copying it.
Consumer complaint received 2024-09-09
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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor Therefore any such debt in fact therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$550.00}. XXXX XXXX balance {$410.00}, XXXX XXXX XXXX balance {$850.00}, XXXX XXXX XXXX balance {$7300.00}, XXXX  XXXX XXXX {$0.00}, XXXX XXXX XXXX bank XXXX {$680.00}, XXXX XXXX XXXX  balance {$520.00}, XXXX XXXX balance {$200.00}, XXXXXXXX XXXX XXXX Balance {$1400.00}, please these inquiries XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-09-09
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 formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX, XXXX  XXXX )
Consumer complaint received 2024-09-09
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX  Bankruptcy-discharged Reference # : XXXX
Consumer complaint received 2024-09-09
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-09
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. (NY)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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 XXXXXX/XX/XXXX
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have an account ( XXXX ) on my Experian report that has inaccurate and incomplete information. 

I have been disputing with Experian to have the account deleted due to these inaccuracies yet, the report keeps coming back verified as being my account and that's never been my dispute. 

I also asked for the method and contact information of the furnisher of data as part of the investigation of my dispute and I never received what I requested. 

Even though the account was disputed, the ( Furnisher ) has not reported it as such in the comment section. It shows a Consumer Statement item disputed by consumer. But I never submitted a statement to Experian other than my disputes. 
Its the furnishers responsibility to post that comment in the comment section not Experian. 

Last Reported : shows XX/XX/XXXX for Experian and XX/XX/XXXX for XXXX. It should be reporting after each dispute if an investigation was actually done. Again, the comment of Consumer Disputes should be reflected by the furnisher and it is not. 

Actual Payment Amount : Experian is reporting {$21000.00} and XXXX  is reporting {$16000.00}, and. The data does not match and is grossly different and therefore can not be reporting accurately. In addition, my payment was never any of those numbers. 
Charge Off Amount : Experian is reporting {$21000.00}, the account was opened in XXXX of XXXX at {$21000.00} and was Charged-off four years later at {$21000.00}. Thats definitely not accurate, yet they have continued to report that false information on my credit report for years and refuse to correct it. 

Date Last Active : Shows XX/XX/XXXX for Experian and XX/XX/XXXX for XXXX. Thats a four year difference. So how can that be accurate reporting? 

Date of Last Payment : Experian is reporting XX/XX/XXXX. However, it also reporting Charged Off as of XX/XX/XXXX. How can that be accurate and complete reporting especially since I never made a payment to XXXX in XXXX. 

Payment History : Experian is reporting 14 months consecutively as Charge-Off. The account was Closed on XX/XX/XXXX. Yet its reporting a payment status after the account was closed. Which is yet another violation of my rights under the FCRA Term Duration : Experian is reporting it as ( 80 months ), XXXX  is reporting it as ( 8 months ) and therefore the data is being reported inaccurately. 

Lastly, the contact information is different. on Experian it says XXXX XXXX phone number XXXX. Address is XXXX XXXX XXXX XXXX XXXX TX XXXX On XXXX  it shows XXXX as the contact. Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX, XXXX and a different phone number XXXX. 
So which one is the factual data? Why two different contacts for the same account?
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USI Solutions Inc. (NV)

On XX/XX/2021 I received a letter from XXXX XXXX XXXX stating that I owed an outstanding debt of {$10000.00} and and claimed for a discounted offer for {$2600.00}. The company claims this debt was due from XXXX XXXX and USI Solutions. I checked my credit score on XXXX  XXXX XXXX, XXXX  and XXXX and there are no current collections from this company. I have never received a phone Call or any previous notice.