davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-01
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. (DC)

In my initial compliant I stated that there was an improper use of report, here are the additional laws governing why I have asked for deletion. 

15 USC 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 6802 Notice of requirements Notice requirements ( A ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (FL)

I should not be held responsible for a debt linked to an auto loan account, originally opened with a creditor that subsequently sold the account, resulting in charges for which I neither provided consent nor had any knowledge. 

-The Principle of Consent and Authorization Fundamental to any debt obligation is the principle of consent. For a debt to be legitimately attributed to an individual, there must be clear evidence of their agreement to the loan 's terms and conditions. This typically involves a signed agreement that outlines responsibilities and repayment terms. In this case, there is no signed document evidencing my consent to this debt, fundamentally challenging the legitimacy of the claim. 

-Timeline and Discrepancies The timeline of the debt further complicates its legitimacy. The account was opened on XX/XX/XXXX, and subsequently closed, with the status marked as charged off and an amount of {$8200.00} past due as of XX/XX/XXXX. Despite the account being closed, it reflects a balance of {$8200.00}, updated in XX/XX/XXXX, and the last payment recorded on XX/XX/XXXX. These discrepancies highlight inconsistencies in the account 's management and reporting, raising questions about its accuracy. 

-Lack of Knowledge and Involvement Furthermore, I had no knowledge or involvement with this account. The assertion that I am responsible for a debt I was unaware of until it was charged off is not only unfair but also legally questionable. The Fair Debt Collection Practices Act ( FDCPA ) mandates that debt collectors provide verification of the debt, which includes evidence of the original agreement signed by the debtor. In the absence of such proof, it is clear that this debt should not be attributed to me. 

-Impact of Unfair Debt Attribution Being wrongly held accountable for this debt has significant repercussions. It affects my creditworthiness, limits my access to future credit opportunities, and imposes undue financial stress. The status of the debt as " charged off '' and the recorded past due amount adversely impact my credit report, despite my lack of involvement with the original creditor or the account 's transactions. 

The principles of consent and authorization, coupled with the inconsistencies and lack of knowledge regarding the debt, underscore why I should not be held responsible for it. The absence of a signed agreement, combined with the discrepancies in the account 's timeline and reporting, clearly indicate that this debt is not legitimately mine. Holding me accountable for it violates both the FDCPA and fundamental principles of fairness and justice. Therefore, the debt should be removed from my credit report, and I should be absolved of any responsibility for it.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

Affirm processed a fraudulent loan/order, in my name, that I did not authorize. I have called 11 times over the past three ( 3 ) months as well as repeatedly sent all documentation proving that it was never authorized and requesting it removed from my account. They are refusing to assist. 

Affirm is now reporting it as past due, causing my credit to take a significant hit - this is stressful as my husband and I are currently in pre-approval for a house purchase. This has greatly affected everything in our process. I did not place this order or authorize this loan - Ive contacted a lawyer due to these fraudulent business practices. There was a class action suit against Affirm in XXXX  - Ive submitted info to get another one started. I have filed a report with the FTC as well as all three credit bureaus. Please help.
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (CA)

My loan was sold to Roundpoint mortgage in XXXX and I have made successful monthly payments. My XX/XX/XXXX payment was off by {$.00} due to a typo on my part. I happened to be online for my account to get a payoff amount quote to discover that my XXXX payment was in a suspended account and not applied to my loan. I called to find out what was going on and that the payment had gone through my bank as usual. That is when they told me it was off by {$.00}. They said they had tried to call me on the XXXX day of XXXX, but they are not allowed to leave a message. I can see that a call came in when I looked the number up- it came in as junk. No email was sent to inform me of the discrepancy. I was told they would not do a one time courtesy waive of the late fee which is {$77.00} even though the discrepancy is {$.00}. I was quoted that they are following Fannie Mae investor guideline attempting to collect on the consumer debt. I paid the {$.00} and the {$77.00} late fee and received a one-time email confirmation of payment. My experience with mortgage servicing companies is they are not interested in partnership or relationship. They have an option to do better, but won't. It is the XXXX of XXXX today. Not even 30 days have gone by. I feel they are unnecessarily charging for something that could have been easily rectified.
Consumer complaint received 2024-07-18
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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-22
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)

In accordance with the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a bill, and a letter from an advocacy group assisting me due to XXXX XXXX XXXXebt bondage, which falls under trafficking as outlined in the Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I respectfully request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have supplied my identification and the required documents from the list of acceptable items, as mandated by law. Additionally, I have included a victim determination letter as per XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-07-22
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)

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Consumer complaint received 2024-07-22
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)

unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I play XXXX  and we buy sporting goods in bulk to share with friends. My friends split the cost and transferred their share using XXXX. Now, Capital One has frozen my account and is asking for the phone numbers of all the people who transferred funds, which I have provided. They attempted to contact everyone, but some did not respond. Capital One is now saying that because a couple of people did not attend the call, they can not unfreeze my account. They are trying to close the account and will not release the funds until the investigation is over. I am stuck and need your help with this.
Consumer complaint received 2024-07-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group (TX)

This debt is not mine it belongs to XXXX XXXX I spoke to some one in the debt collector and explained that I have identity theft and they care less about it the person. Said its your debt and i responded that is not my debt never made business with this management and it needs to be remove I had request to remove since XXXX  and it nearly just came back
Consumer complaint received 2024-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Upon checking my credit report, i noticed these unauthorized inquires on my credit report and have suitable reason to believe that i may be a victim of identity theft. Please Correct this, In accordance with FCRA 15 U.S.C 1681 Section 604 A section 2 states that i have a right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : also states a consumer reporting agency can not furnish an account with my written instruction. Please handle with haste these inquires that were not authorized by myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CAP ONE AUTO XXXX XXXX XXXX XXXXXX/XX/year> CAP ONE AUTO XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. 
The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has been mistakenly existing on my report for over five years.

But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents. Additionally, I have reached out to the bank associated with the fraudulent account. 

XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The EXPERIAN credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
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. (SC)

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 these are the following accounts need to be removed.
Consumer complaint received 2024-07-23
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. (MI)

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (IL)

The wayfair account belongs to my father who is also XXXX XXXX, I need it removed from my credit. I have paid it so that I don't have a negative credit rating but the account belongs to my father and needs to be removed from my credit.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (GA)

My account has been put on hold and i was mentioned that it is under investigation and it is going to be suspended. 

I asked for what documents i need to provide to make the process smooth and faster. 

And i dont recieve any update from the company and my amount is not given back to sources
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. The following credit reporting agencies are violating my consumer reporting rights and it is damaging my reputation. I have attached several documents for your review. Please remove these documents immediately.
Consumer complaint received 2024-07-06
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. (NY)

On XX/XX/XXXX I signed a lease agreement at XXXX XXXX in XXXX, NY with Ally Financial for a 39 month lease on a XXXX XXXX The Lease was going to conclude by XX/XX/XXXX, and I decided to purchase the vehicle from Ally on conclusion of the lease. 

On XX/XX/XXXX I took out an Auto Loan from XXXX XXXX for {$35000.00} to cover the sales price of the vehicle and sales taxes. 

On XX/XX/XXXX I sent the loan check via USPS priority mail with tracking to Ally Financial as directed in their lease buyout agreement. 

The tracking indicated that the check was delivered on XX/XX/XXXX After waiting roughly two weeks I called ally to ask about my account status, as I showed I would continue to owe payments on the vehicle under the lease. 

I was told that the check would clear in 10 to 14 business days and that within 30 business days I would receive a DocuSign to receive my bill of sale, and after that was signed would receive my vehicle title in the mail a week after. 

After another week I called again to inquire about my account status. The Ally employee told me the check had been input on XX/XX/XXXX and XXXX XXXX confirmed that the check had been cashed. The Ally employee could not give confirmation or dates of when to expect a bill of sale. 

I called several more times, being bounced between different employees, phone numbers, often being hung-up on, disconnected, or sent to dead end phone extensions with no one on them trying to get ahold of my bill of sale. Multiple times I was lied to by Ally employees, with them claiming to have " put a note on your account '' or that " your account has been placed in priority status '', when upon calling again another day the employees said there was no record of this. 

On XX/XX/XXXX I got ahold of an Ally employee on the phone stating that my account was now in day XXXX of the XXXX to receive my bill of sale, and that it had now been extended to 45 days to get it. In the mean time, XXXX XXXX has sent several letters inquiring about the title, in order for them to be added as a lien holder. 

I am nowhere closer to getting my bill of sale, and Ally will not provide any solutions to the problem, if I am even able to reach someone within the company, which is very difficult to do.