davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
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. (MD)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please do not verify as " accurate information '' without a thorough investigation I am writing to formally dispute the accuracy of the information reported by XXXX XXXX  Account Number : XXXX on my credit report. While I previously submitted a dispute requesting a review and correction of inconsistencies, I am dissatisfied with the outcome as the reported information remains inaccurate. 

I am requesting that you conduct a more detailed investigation into this account, focusing on verifying the accuracy of all reported information and correcting any discrepancies. The account information provided by XXXX XXXX has not been updated to reflect accurate data. 

Please escalate the matter and review the account thoroughly and make any necessary corrections to ensure that the information reported on my credit report is accurate. If you are unable to resolve this matter satisfactorily, I will move further with showing proof of the inaccuracies and then seeking legal recourse. 

I have enclosed copies of relevant documents to support my dispute. Please provide me with written confirmation of your findings and any updates to my credit report reflecting accurate information.
Consumer complaint received 2024-07-25
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. (VA)

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature on it from XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. Account : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX was already removed from my XXXX report because they failed to provide proof of this account being mine, but TransUnion and XXXX are still reporting it as Verified another violation of my consumer rights, inaccurate reporting. Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. The accounts below were clearly unverified and i am requesting they be deleted from report immediately. Account : Net Credit Account Number : XXXX Account : XXXX XXXX Account Number : XXXX  They also violated 15 USC 1681 i ( 5 ) Can you look into this?
Consumer complaint received 2024-07-25
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-25
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. (GA)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-07-25
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2023-09-04
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

In the attempt to live my life and expand my businesses I am attempting to apply for mortgages, car loans, business credit cards and personal credit cards but I keep getting met with the same question when denied ; Have you been married before?, in association with a car loan on my credit. I reached out to the company reporting the debt XX/XX/XXXX to ask for it to be removed, as well as a copy of the original contracts and verifications along with the permission to report the debt on my behalf. 

The company responded XX/XX/XXXX with copies of the electronic contract and a declaration page that did not include a wet signature. The response also included a statement that they would continue to collect the debt even after being asked not to. I have not entered into a joint agreement with anyone as I am a single person and have always been.
Consumer complaint received 2024-07-25
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX : XXXX and list of Inquiries. 

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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-07-25
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-25
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

We, vacated our apartment and made a formal complaint regarding safety issues to the management team. Despite their awareness of the issue, we later received a collection notice. 

Upon receiving the notice, we promptly sent a letter via certified mail to dispute the information. Instead of addressing our dispute, we received a response that only included a balance due and a copy of our signed lease, completely ignoring our initial dispute. 

We sent another dispute letter, which was again ignored. Subsequently, the disputed debt was reported to our credit report. At that point, we sought professional assistance. Our representative contacted the company, highlighting several violations and requesting a resolution, including a settlement and removal of the disputed information from our credit report. 

The company refused to remove the information from our credit report, stating they do not accept " pay for delete. '' This refusal did not address the fact that our right to dispute the information had been ignored and that the reporting was false.
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

I have been making payments since XXXX  and most of my payment is not being applied to the prinicial it all going to the interest! for example my payemnt is XXXX and the rate is 12 % fixed.. they will apply XXXX to the principal and XXXX goes to the intrest rate. Its not an adjustable rate why are they doing that?. My payment is also being broken up into like 3 payments on some months. I also signed up for gap insurance got charged XXXX and the bottem of the truth in lending it says n/a but there is also an initial next to this.. I dont know if i even have gap insurance. I know i was charged for itXXXX  This has been on going for years. I purchased this car for XXXX on the sales sheet it says XXXXXXXX XXXX XXXXXXXX when i call about this i get no where. They try to talk i dont know what i am talking about when i ask about the rate and think they are talking in circles around me and then say someone will call me back and no one ever does.. the stress this causing me is crazy! they are charging more then 12 % and the breakdown i will submit to u will show u what im talking aboutXXXX Please help me they also have my names spelled wrong and i told them 3 times at the dealership my name was spelled wrong.. also the engine blew up in it and i had to pay close to XXXX to get a new engine put in it the finance company is ally financial accunt number is XXXX and the dealership was XXXX XXXX in XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (FL)

The fake account lawsuit eligibility and the XXXX lawsuit eligibility. After being told no by Wells Fargo Bank that we are not eligible for the class action lawsuit that the bank opened unauthorized accounts with two savings accounts with my name on them. With Wells Fargo Bank lying about a mediation with XXXX XXXX code XXXX. 
Accounts XXXX savings- XXXX XXXX XXXX XXXX XXXX XXXX XXXX The servicing of our mortgage, the interest rates on many accounts. Which the accounts numbers was changed over and over again. With a forbearance placed on our credit report plus other derogatory information reporting on our credit report for six ( 6 ) years which was removed XXXX and XXXX. 
Three equity lines of credit Four mortgages Lost of homes five ( 5 ) Truth and lending The privacy act Predatory lending Race and age discrimination Disability discrimination
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/year> - attempted to get a copy of my free credit report through Transunion online, received the message " Unable to Complete Your Request Online ''. I contacted support who referred me to XXXX which also gave me an error message. I asked for a copy of my report to be mailed but I never received my report. 

XX/XX/year> - I had again the same experience as above, and was referred to technical support. They alerted me that there was an " error code '' on my account preventing my report from being accessed, and that a supervisor would need to look into this. I have never been a victim of fraud - there should be no flags on my account. They said it would take XXXX business days to be contacted. I'm extremely fed up with this as this is not acceptable.
Consumer complaint received 2019-08-08
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: United PanAm Financial Corp. (CA)

United Auto credit ran my credit without my authorization, this caused my credit score to go down. On XX/XX/2019 I received a notification from my credit report that they have ran my credit. I did not submit my information nor have I authorized them to pull my credit. I have called their customer service number same day and asked for them to remove the inquiry or send me a letter that they did not have authorization to run my credit, they declined to do so. 
I am seeking for assistance to have this issue resolved as they now have all of my personal information. 

Thank you
Consumer complaint received 2024-10-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

I am writing to formally dispute the balance you claim I owe related to account balance. The stated balance appears incorrect, and I have not received any evidence or documentation to support the charges for damages. I believe the charges may be erroneous, and without proper evidence, I am not liable for the alleged balance. I request that any collection activity be halted and any negative credit reporting be corrected until this matter is resolved.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc (MI)

On XX/XX/XXXX, my minor son was in a minor car accident that involved another driver in a rental car from XXXX XXXX XXXX. At the time of the accident we called the police and notified our insurance. We thought the situation was resolved. 

Over XXXX year later, ( XX/XX/XXXX ) we received a letter from XXXX stating we owed XXXX This letter named my husband as the driver of the rental car, he was not. I contacted XXXX, explained the situation, was informed that the statute of limitations for collecting a loss claim under MIchigan no fault law had expired and that I should disregard the notice. Once again, I thought the issue was resolved. 

On XX/XX/XXXX I received a notice from National Commercial Services, ( a debt collection agency ) claiming my son owes them XXXX. I called them, explained the situation and was told my son was illegally driving a rental car as an underaged driver. He was not. Neither my husband nor my son were driving the rental car. 

I believe that XXXX failed to bill my insurance within the 12 month window to claim loss under Michigan 's no fault law. As a result they were trying to make us pay for the damages their rental driver incurred during the accident. 

In XXXX of XXXX I filed a complaint with CFPB ( complaint number XXXX ) and received a response that the case had been closed and that National Commercial Services would no longer be pursuing the claim. At the time I left feedback that I was concerned the issue was not truly resolved and that I would continue to receive requests for debt collection that I do not owe. 

Today, XX/XX/XXXX, I received yet another letter from National Commercial Services attempting to collect XXXX dollars.