davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (GA)

Upon reviewing my credit report following the recent data breach affecting numerous consumers, I have discovered an unusual closed account that I have no prior knowledge of or recollection establishing. As is my right under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide complete verification and validation of this purported account. Specifically, I require copies of the original contract or agreement, along with any documentation showing my signature or authorization establishing this account. I am concerned this account may be the result of the reported data breach or potential identity theft. If you can not provide this documentation within 30 days, as required by law, I demand that the account be immediately removed from my credit report. Please send all documentation to my address listed below. Until such verification is provided, I dispute the validity of this account and request that it be reported as " disputed '' to all credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2024-07-16
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. (NJ)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CHACON AUTOS, LTD. (TX)

**Complaint Summary for XXXX XXXX XXXX** **Personal Information : ** - **Name : ** XXXX XXXX XXXX - **Year of Birth : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , TX XXXX - **Contact Number : ** ( XXXX ) XXXX - **Victim Alert : ** Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first contacting me personally and verifying all application information. This victim alert will be maintained for seven years, beginning XX/XX/XXXX. 

# # # **Violations and Companies Involved** 1. **CHACON AUTOS LTD** - **Violation : ** Inaccurate reporting of three late payments on a closed auto loan account that do not reflect the actual payment history. 
- **Company 's Role : ** Responsible for providing accurate account information to credit bureaus ; the inaccurate reporting negatively impacts the consumer 's credit score. 

2. **XXXX XXXX** - **Violation : ** Inaccurate reporting of 23 potentially negative months on a closed note loan account, including multiple charge-offs that misrepresent the payment history. 
- **Company 's Role : ** As the creditor, XXXX XXXX is required to accurately report account status and payment history to credit bureaus. 

3. *XXXX** - **Violation : ** Inaccurate reporting of 45 potentially negative months on a closed charge card account, indicating a charge-off status that does not reflect the payment history. 
- **Company 's Role : ** Responsible for reporting accurate information regarding account status and payment history. 

# # # **Legal Violations : ** 1. **15 USC 6802 ( XXXX Act ) ** - Violated by selling or reporting personal information without consumer consent. 

2. **15 USC 1681i ( Fair Credit Reporting Act ) ** - Violated by failing to conduct a reasonable investigation into disputed information and failing to correct inaccuracies. 

3. **15 USC 1681a ( Definitions ) ** - Violated by reporting without consent, misrepresenting what constitutes a consumer report. 

4. **15 USC 1681b ( Permissible Purposes of Consumer Reports ) ** - Violated by obtaining and selling credit report information without permissible purposes or consumer consent. 

5. **15 USC 1681c ( Exclusions from Consumer Reports ) ** - Violated by including unverifiable or outdated information that should have been excluded. 

6. **15 USC 1681e ( Compliance Procedures ) ** - Violated by failing to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 

**Involved Credit Reporting Agencies : ** - **XXXX** - **XXXX** - **XXXX** - **XXXX** - **XXXX** - **XXXX** These agencies may have sold, purchased XXXX and reported personal information without consent and failed to adhere to proper verification procedures, leading to inaccurate reporting.
Consumer complaint received 2024-10-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma (MI)

XX/XX/2024 {$450.00} was charged two times on my Credit Karma debt card and only made one transaction. 
XX/XX/2024 {$450.00} was charged two times on my Credit Karma debt card and only made one transaction. 
My dispute was denied on XX/XX/2024 # XXXX # XXXX and I Reopen my dispute on XX/XX/2024 # XXXX # XXXX I never received any email saying it was denied but Credit Karma refused to send me a email saying it was denied after XX/XX/2024. Plus not following there agreement for a Provisional credit after 10 days if they don't find anything yet.
Consumer complaint received 2024-07-16
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. (AZ)

With this fair resolution, I need tobe rest assured that in my credit report will accurately reflect my timely payment history as agreed upon. For matters related to the accuracy of credit reporting, including the updating of late payments due to inaccuracies, the Fair Credit Reporting Act ( FCRA ) is the relevant law. The FCRA governs the collection, dissemination, and use of consumer credit information, providing consumers with rights to dispute and correct inaccurate information in their credit reports. Therefore, if there are inaccuracies in the reporting of late payments, XXXX would typically rely on provisions within the FCRA to dispute and correct those inaccuracies with the credit reporting agencies and furnishers of the information.
Consumer complaint received 2024-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Abrahamsen Gindin LLC (NY)

Per the agreement.. the balance information is to reflect the actual balance. I also called months ago because on the legal agreement the control number is not even correct which is well obvious This is for the debt from the school I won a federal borrower defense against XXXX XXXX .. this is debt that Forster and garbus claims I owe national collegiate student loan on co-signed loans from XXXX XXXX who was on social security at the time and there lawyer took me to court after my XXXX treatment. 
This information is to serve as a reminder as they serve so many students by taking them to queens county court that they may forget. 

I called in XXXX and they said it will update and they gave me the correct control numbers They can at least update there payment website to reflect accurate information on the debt they state I owe the website amounts are totally incorrect and have been that way for months update the website PLEAse as I have made my payment today and notice again its not right and took a photo also how is XXXX supposed to keep an account of the payments if its not even on the website
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (TX)

According to my credit report, WILLIAM & FUDGE INC is reporting misleading and deceptive information. WILLIAM & FUDGE INC is alleging I owe them {$10000.00}. WILLIAM & FUDGE INC has abused and deceived me into believing that I was obligated to pay this alleged debt. This alleged debt has been charged off via 1099 C cancellation of debt to the Internal Revenue Service by the original company. Now WILLIAM & FUDGE INC requires me to pay them. Furthermore WILLIAM & FUDGE INC then shares my nonpublic personal information, transactions and experiences with XXXX, XXXX, and XXXX without my consent furnishing inaccurate and deceptive information while tarnishing my character and general reputation. 

WILLIAM & FUDGE INC is in violation of Fair Debt Collection Practices Act, 15 U.S.C. 1692l ( d ), 1692o ; Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ).

It is illegal for WILLIAM & FUDGE INC to add this misleading and inaccurate account on my credit report. WILLIAM & FUDGE INC has been notified of ; the misleading and inaccurate information, my right to refuse to pay such alleged debt and to cease any further communication regarding the inaccurate information. WILLIAM &
FUDGE INC must cease ANY and ALL collection attempts in
regards to the alleged debts mentioned within.

Congress finds there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices pursuant to 15 U.S.Code 1692. WILLIAM & FUDGE INC has strict liability and must comply with all statutes and regulations set forth. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX  ) - Proof of Claim
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (AL)

Re : Cease and Desist Request and Deletion of Collection Account from Credit Report Dear Sir or Madam, This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number [ Insert Account Number ]. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phone calls, letters, emails, or any other means of contact.

Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit report, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action. 
Please confirm in writing within 30 days that you have complied with my request and that the collection account has been deleted from all credit reporting agencies. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

American Honda Finance XXXX XXXX XXXX XXXX, Texas XXXX XXXX. My credit report states that I have a missed payment in XXXX. That is incorrect. Payment History states that I paid on XX/XX/XXXX, an Extension Tax in the amount of {$75.00} ( because I extended my lease ) and made a bulk payment of {$570.00}. 

XXXX. I sent two ( 2 ) letters to the above address describing an issue with auto-payment because I was advised by a Honda Representative to do so. 

XXXX. Honda never responded to my letters, with my 2nd letter dated XX/XX/XXXX. 

XXXX. My loan has matured and Honda expects me to either to buy or re-lease a vehicle. However, it seems that Honda is tanking my credit score in order to negotiate on better terms or prevent me from leasing from a competitor. 

XXXX. My payment history was 100 % timely since I started leasing from them in XXXX. 

XXXX. I request that all months are marked as CURRENT and any derogatory remark removed from my credit report.
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (NV)

Unknown person hacked Google Wallet account at ( XXXX ) and changed phone number on gmail account. When I have tried to access my account via recovery option selecting " I don't have my phone '' I am receiving a message " couldnt sign you in '' being given Zero options to A ) change the phone number or B ) investigate the matter further. This is unfair and illegal business practice.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Westlake Services, LLC (CA)

XX/XX/year> - {$110000.00} - I have reached out to the IRS to validate out debt. 

XX/XX/year> - {$910.00} - I have reached to the XXXX  XXXX to validate debt and reason for suspension, on behalf of XXXX XXXX XXXX. 

XX/XX/year> - {$8000.00} - I have reached out to Westlake Financial to validate debt.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA getting inaccurate credit reports and scores on XX/XX/XXXX from XXXX score XXXX on that day I called XXXX on XXXX score XXXX today XXXX of XXXX score was still XXXX USAA told me they pulled this score my XXXX credit score it's in correct
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Upgrade, Inc. (TX)

This company has reported three charged-off accounts on my credit report. Due to several data breaches involving my personal information, I requested validation of the debt but never received it. Instead, the accounts were listed as charged off until I disputed them with the credit bureaus. A year later, a third-party agency, XXXX, contacted me about a debt from XXXX XXXX , which was originally claimed to be owed to Uplift. I again requested validation of the debt, but instead of providing that, they offered a settlement of {$170.00} with the promise to remove the accounts from my credit report upon payment. I agreed and paid the settlement on XX/XX/year> to ensure the account would no longer be reported as a collection and that Uplift would remove the accounts from my credit report. However, despite my payment, XXXX XXXX continued to report this account as a collection, and Uplift still reports three accounts as closed/charged off, which they never validated as my responsibility.
Consumer complaint received 2023-10-03
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. (SC)

To Whom It May Concern, I checked my personal credit report, which I acquired from your organization ; and I noticed that this unauthorized inquiry had been made : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (FL)

I have reached out to Santander Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX receipt # XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XX/XX/year> XXXX XXXX XXXXL receipt # XXXX XXXX XXXX XXXX XXXX XXXX ( following up ) then again XXXX, XX/XX/year> VIA CERTIFIED MAIL receipt # XXXX XXXX XXXX XXXX XXXX XXXX. I received return mail receipts from XXXX XXXX on all of the certified mail on XX/XX/year> XXXX XXXX & XX/XX/year>. I am continuously receiving unfair credit reporting monthly of this debt which has decreased my credit score tremendously, Santander was harassing and sending threatening emails and calls after I advised them to only contact me in writing by mail. Since XX/XX/year>, as I was shopping for the hurricane XXXX, my vehicle had been illegally towed and seized and I am being denied my personal property inside of it because I do not have possession of the key card. The tow company in charge has had us come out several times and had us wait hours been very confrontational when we simply just want our property, always give us an excuse not to be able to get my belongings I had to call the police on XX/XX/year> in which the police told me to file this dispute because this is a civil matter and they can not be involved. I need to get my items including over {$1200.00} in cash, several gift and credit/debit cards, jewelry, dl, social security cards, personal phones, hotspots, clothes, other items, and food ( that by now has gone bad and can cause additional damage to the vehicle ) .I was highly XXXX  had to be XXXX behind all turmoil and is in pain & suffering from of this. My credit needs to be restored and this situation needs to be remedied immediately and expeditiously.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NJ)

I am unaware of thes debt, I did not receive the opportunity to dispute this information, if in fact the if the company believes they gave me the proper notification please send me the certified receipt with my signature. Also I would like the method of validation, and all correspondence you took to say i won this debt.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (MN)

First Advantage Background Services Corp sent me a copy of my background check recently with concerning information. I just started a new job a for XXXX months and they had conducted a background check. I'm afraid this error is going to effect my employment. I used to live in XXXX XXXX XXXX in XXXX XXXX, XXXX. But I had moved out of there for several years now. I had never been searched in any way that im aware of. Here are the information on that letter : Consumer Name : XXXX XXXX ( XXXX ) Client Name : XXXX XXXX XXXX Client Account Number : XXXX Record Source : XXXX XXXX XXXX XXXX XXXX Type of Search : XXXX  Index Search Include XXXX  Search Type : XXXX  Index Search Include XXXX  Date of Search : XX/XX/year> Given Name Searched : XXXX XXXX
Consumer complaint received 2024-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

My former student loan servicer was Great Lakes. I have only federal loans. The servicer are switched from Great Lakes to Nelnet. I submitted an income driven repayment, plan application as well as a public student loan forgiveness application with great lakes. They never processed the application nor did they forward that to Nelnet. I was not able to access my account to check on this during the transition. But I am now seeing that the applications Were pending and Nelnet is saying they never received them from Great Lakes. I have to start all over and Ive been in public service for XXXX years. I have an interest rate that is now higher than what I originally agreed to. Im looking at {$130000.00} in student loan debt. I recently submitted my student loan forgiveness application through the federal student aid website which went through. That is how I found out great lakes did not process my applications or share them with Nelnet. Nelnet is saying I never submitted these, but it is clear I did on the federal website. I am unable to access my account at Nelnet. They are saying no username or account created. Every time I try to call them to get my account fixed, they say they dont have record of it and that I am in default. It has been extremely difficult to navigate having my loan provider switch and interest rates change. In addition to that, I have no recourse and, getting access to Nelnet.