davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-24
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)

I applied to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.
Consumer complaint received 2020-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (TX)

Called Westlake financial to discuss why there is a daily interest fee with the interest already paid which at the end of my agreement due to this i will have paid double my financed vehicle that's a rip off I have already paid XXXX for this car and still owe alot i signed the contract under the assumption or understating that i would pay XXXX for the car with interest yet when you call them to discuss they act like they have no idea what your talking about or they agree its not right or they hang up no help or try to solve or explain their practices. I asked why if im paying the principal now is not my whole payment of XXXX going to that and its not only half is XXXX a month this just don't see legal or right. so I see predatory lending from this I look up review on this company and there a lot of bad ones with the same situation. I really think this needs to be addressed asap. They also had a class action law suite that they lost for collection harassments few years back something needs to be done with this company. getting rich from scams
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Consumer complaint received 2024-08-23
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. (GA)

I NEVER GAVE ANY OF THE CREDIT BUREAUS VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THIS DISPUTE. I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT FILE AND YOU HAVE NO PERMISSIBLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. $ 1028A. YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED, OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME, WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT, IN ADDITION TO CIVIL LIABILITY.
Consumer complaint received 2019-11-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NH)

I have graduated from college and am ready to repay my federal and private loans. I work for a XXXX XXXX full-time and a XXXX XXXX part-time and my annual salary totals approximately {$34000.00}. The lender for the federal loans ( XXXX ) has agreed to an income-based payment plan, which I am comfortable paying. When I contacted Sallie Mae, they informed me that they don't have this option. I was told that the only option they offer is a one year plan where I pay the interest-only on the loans. The savings per month was negligible and only puts off the inevitable. Furthermore, the loan rates are variable and my payments are {$730.00} -- an amount I can't afford and will increase as the interest rate fluctuates causing my payments to increase month-to-month. My rent is {$850.00} per month without utilities. In order to pay this amount each month to Sallie Mae, I will have to go bankrupt on my current credit card debt, as it is impossible to pay everyone. My loans with Sallie Mae have been accumulating interest while I've been in school and have now topped {$80000.00}, two of which have interest rates over 9 %. Please understand, I'm not making a complaint so that I can default on my loans, I simply want a payment plan that is based on my ability to pay - something banks require in order to lend you money in the first place. This complaint is being made because no lender should have a right to force me into poverty.
Consumer complaint received 2020-11-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Wise Recovery Solution LLC (NY)

first i enter my information stuff like my first name, middle name, last name, address, zip code, and my email address and i then i put some of the pay number that i want for my self and i went to get my code from XXXX XXXX to credit wise to put it on home phone number but i didn't got the code on my home phone and i want to see what is my code from XXXX XXXX to credit wise.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2020-11-22
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. (CA)

On XX/XX/XXXX I received an alert from XXXX, a free credit monitoring service, stating that a company, XXXX XXXX XXXX, pulled my credit report. I did not recognize the company name, nor did I recently apply for credit or services with them. So I immediately contacted Experian and disputed the matter. Experian said that only XXXX XXXX XXXX can request for deletion of the disputed inquiry. They suggested that I contact the XXXX XXXX XXXX. 

On XX/XX/XXXX I called the company to speak with the owner or manager. The person who picked up the phone by the name of " XXXX '' ( not sure if that was really her name ) refused to give the phone to the manager. She insisted that I told her what the call was about. So I told her that I was calling regarding my credit report that their company obtained without my permission. She asked for my name and then she said, " Oh I ran the credit because you applied for housing with us in XXXX, and in XX/XX/XXXX you told us to keep your name on our list. '' Suddenly I realized that this woman was the woman who took it upon herself to run my credit without my authorization. 

My response was, " My authorization was good only in XXXX when I applied for housing with your company. It did not give you the permission to run my credit report anytime you want. '' XXXX was very defensive and she just kept on saying, " But you wanted your name to remain on the list. '' Then I said, " Requesting to have my name remain on your list does not mean that you have my authorization to run an inquiry on my credit anytime you want! '' The woman did not acknowledge mistake. She was just defensive and trying to convince me that she did not do anything wrong. 

Bottom line, XXXX did not allow me to speak with the manager of the company, and this is the reason why I would like CFPB to help me.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MO)

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation!

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 2024-08-23
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. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I do not owe any debts to XXXX XXXX. This company has violated my rights under the FCRA. XXXX XXXX by law had a responsibility to notify in writing of any debts owed to them prior to reporting to any third party credit agencies. They did not do so and can not provide any written documentation addressed to me. 

I filled for bankruptcy In XXXX of XXXX. XXXX  claims that the debt owed to them is from XXXX. If that was true when I filled for bankruptcy in XXXX of XXXX XXXX XXXXs had a legal obligation to appear in court and file for anything they felt was owed. They did not because they I did not then or now owe a debt to them. 

Also, because my bankruptcy was public my address was on file for XXXX XXXX to contact me regarding the debt. This debt is not owed. This is not a valid debt. Any further attempts to collect this debt will result in legal action against XXXX XXXX for violating my rights.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-08-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I took a loan from Navy Federal credit union to by a motor home. Navy federal bounced the check 2 times. then the dealer which is XXXX XXXX XXXX XXXX  in INDIANA freaked out when the check bounced and sold the motor home to another party and when they proessed the check the 3rd time it cleared but he already sold the motor home.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2020-11-22
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. (FL)

I disputed with the Experian and with the creditors the referred accounts, and requested proof of consumer contract or proof of debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

XXXX Acct XXXX XXXX responded to my request that no documentation was available. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX did not respond to my request. 

XX/XX/XXXXXX/XX/XXXX XXXX Responded that they were not able to send proof. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have didputed these accounts with Experian and they always respond that the creditors " VERIFIED '' the account. 

I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF LATE PAYMENTS. NO PROOF IS EVER PRESENTED.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Management Control, Inc. (TX)

My hasband and i moved from a property we allowed my sister to take over the property i called the electric to have it turn off at the old property and turned on at the new. My sister called them back saying she was me and had them turn the power back on at the old property without my knowledge
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc. (TX)

My husband and i moved. My sister who was going to continue to rent the property we were leaving. I call and had the electric turn off att the old place and turned on at the new. My sister called them back and said she was me and had the leave the electric on at the old property. I did not agree to it
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX and TransUnion will not remove items reported with proper documentation off of my credit file they continue to keep the disputes going for over 30 days state they are fixing the issue but does not correct it even with the correct proper documentation
Consumer complaint received 2020-11-22
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. (LA)

I have a XX/XX/XXXX account showing on my credit report that does not belong to me. I have disputed this multiple times and the credit reporting agencies says this account has been verified as an accurate charge off account. I DO NOT UNDERSTAND how this can be verfied as accurate. I contacted the original merchant from the phone number listed on my report but they have no information to help me either. How can the credit reporting company validate something that is not mine and prevent me from trying to resolve matters on my credit profile. This has been going on way to long and I want this account deleted from my credit report.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove these accounts before I seek litigation for defamation of character ). XXXX XXXX - XXXX XXXX {$1600.00}, XXXX XXXX XXXX {$210.00}, XXXX XXXX XXXX Bal. {$82.00}, XXXX XXXX XXXX Bal. {$760.00}, XXXX XXXX XXXX {$1600.00}
Consumer complaint received 2020-11-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I sent a certified letter # XXXX to XXXX XXXX regarding the issue with Account number ending XXXX. The alleged balance of {$5200.00} ( massive fraudulent charges ) continues to be cited on my credit report by XXXX XXXX. I tried multiple times to resolve this issue with XXXX XXXX since XXXX but to no avail. As of today XX/XX/XXXX I haven't received any response from XXXX XXXX in regards to the letter previously stated above. This account continue to be reported by XXXX XXXX as owed on my Experian credit report. Experian continue to report this issue after my submitted dispute on Experian website XX/XX/XXXX. I'm requesting that this derogatory report be investigated and removed from my credit report immediately. Additional information and documents can be submitted upon request. 
Thank you
Consumer complaint received 2020-11-12
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.