davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, 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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 2 . 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (FL)

The loan is bad. I wasn't aware of this until I attempted to refinance. I did state that the loan was way too much at the beginning but I was told if I paid for one year I would be given the option to refinance. When I went to do this I was told the reason that I can NOT refinance is that the Loan to Value for this loan is 260.00 % The car is worth {$9400.00} My current loan is {$23000.00} I am a XXXX patient and I called to see if there was ANY WAY to negotiate a payment I can do. There are NO hardship programs. I am paying but I want to refinance so that I have a more reasonable loan and csr payment. They did NOT offer me any refinance options and no refinance company will touch this. They have literally tricked me with legalese and lied about options we would have later. Being that they are a financial company I am SURE they are aware that that kind of LTV is going to LOCK US IN. However when we asked we were told on a recorded line that we could refinance. No one will do that with this kind of LTV ever! I didn't know this! But I did see this was so high and I DID ASK AND THEY LIED AND SO DID THE DEALER.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I have contacted Experian several times to inform them that there is information from a company called XXXX XXXX  on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report them and Experian is aware of this. This is aggravated identity theft.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

The Experian credit reporting agency has placed some kind of internal block, security freezes or disputes blocking on my credit profile/report without my knowledge or permission, and I would like any and all of them to be removed as soon as possible. I have not been able to dispute any inaccurate information on my credit profile/report for some time now. When I call experian to discuss this matter/issues, there representatives always giving me the run around or just leaving me on hold and I dont appreciate that.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have traveled to US on XXXX as a tourist and then went back to XXXX to get my documentation and got my renewed SSN ( I first got it 10 years ago when I was in USA for three months as a XXXX  ) on XXXX only. 

I opened my Experian and noticed that somebody took my SSN and opened {$710000.00} mortgage at XXXXXXXX XXXX XXXX on my name. 

I disputed it twice via Experian but they say the dispute was denied by the company. 

I have my I-92 form as a proof that I entered the country as a XXXX  on XXXX until then my SSN was not even active. 

I would really appreciate your help. 

Thanks!
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The company is reporting a 30 day late payment for XX/XX/2023. The reporting of this late payment violates the Fair Credit Reporting Act because experiences and transactions between the consumer and the person making the report are excluded. 

Also, a creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose unless the creditor has adopted reasonable procedures under " Consumer Credit Cost Disclosure '' and those procedures are mailed.

I also never provided any expressed written consent for a late payment to be added to my credit report.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, 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. 
XXXX  XXXX Account # XXXX has violated my rights. 

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 2023-03-28
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: EQUIFAX, INC. (OH)

EQUIFAX : incorrect address and incorrect inquiries, I have called and some of these business say they have no record of me applying to them. ( XXXXXXXX XXXX XXXX ) keeps showing up as an inquiry on credit report and XXXX XXXX continues to show up as an automobile credit account which I have never had with XXXX  XXXX. Now there is are Miscellaneous Credit Reporting Agencies showing up in the inquiry portion of this report like XXXX, XXXX ... NEVER HEARD OF THEM! Also an Equifax Mortgage Service never hear of them either.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

All three credit reporting bureaus were notified accompanied by legal documentation that my legal name is " XXXX '' but they are reporting my married name. I can not and have not used " XXXX, '' since being legally XXXX  in 2000. I have resumed the use of my maiden name, in the court of law. I can not legally use " XXXX '' and do not have any documentation with that name attached. Neither should these reports. Its been 23 years since I used " XXXX '' and my ex husband is now deceased too. My legal name is " XXXX. '' I have asked all three reporting agencies to remove XXXX but they refuse to. Instead, they add it along with XXXX different phone numbers that are not relevant. I do not have access to these phone numbers, XXXX or addresses I do not have access too either. This must stop at once because, when asked, I can not verify my identity due to all these different address and phone numbers and name that's not legally mine. After 2 written letters to dispute this incorrect information, I feel harassed at this point. This is the 2nd notice I've sent requesting that my personal information be corrected. I am trying to purchase a home soon and 10 or more phone numbers and addresses makes me look like a fugitive and unstable. When my husband was living, we did move quite often because he was in the XXXX  ( XXXX ). But again, that was over 25 years ago. I sent a copy of my federal ID and social security number. Along with supporting documentation as proof of my resident and phone number and legal name.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MI)

Dear, XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to the information published and provided by you to the US DEPT OF EDXXXX, and XXXX Bank XXXX as reported, and I demand swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Charge-Off Credit Card and Student Loans that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than a Charge-Off Credit Card that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged Student Loans, and Charge-Off Credit Card. 
Immediately, DELETE ALL records of the following alleged Charge-Off, Student loans, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

1. US DEPT OF EDXXXX : Installment Loan, XXXX : Please DELETE from Credit Report XXXX XXXX XXXX Secured Credit Card Charge- Off XXXX XXXX  Please DELETE from Credit Report
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

all these items were taking care of in a bankruptcy i did. They should not be reporting on my credit report. I have been trying to dispute these items for the past 7 months and they keep giving me the run around. first they asked for id, ssn and a bill. They they say they will not process because it looks like letters do not come from me. I have replied to every letter they send me and they still failed to investigate my disputes. They just keep delaying and not investigating
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CO)

Hello, On the XXXX of XXXX my bank, Chase Bank, ( located XXXX XXXX XXXX, XXXX, XXXX  XXXX ) allowed transactions that were fraudulent. Not only did they allow a greater amount than my max daily allowance at a ATM ( located on XXXX and XXXX ), they allowed my account to be wiped out, leaving only {$13.00}. While these events were happening I was in Florida on vacation, I even let Chase know this while in Florida. I came home from vacation on the XXXX and noticed the errors in my account, at which point I filed a fraud claim with Chase. 
Chase has denied my claim and stated that I could rebuke and fight the claim, which I provided information and flight itinerary, boarding passes, and date stamped pictures proving I was in Florida and not Colorado at the time of these charges and ATM withdrawals. 
At this time it has been almost a month of having no funds in my account and no word from Chase on replenishing my funds, when it is completely obvious that these were fraudulent, not to mention Chase should have never allowed funds to come out that were more then my daily limit. These should all be huge red-flags to Chase but they weren't and now I have had no funds and completely broke. 
I would greatly appreciate it if you could look into this because I have no other ventures since Chase will not respond or communicate with me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2024-10-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

This debt is reported as collection, which I believe is inaccurate. According to the CARES Act, my payments were covered under specific protections due to financial hardship caused by COVID-19.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, 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 have asked the Credit Bureau and the company to do a credit search and I did a complete search as well for the inconsistencies. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 a states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

You are breaking federal laws by violating the Fair Credit Reporting Act ( 15 USC 1681 ). Your fiduciary duty in accordance with the Act, is to protect and respect my right to privacy ensuring that my consumer report is fair and equitable to me as the consumer since this is my consumer report. Youve have failed to perform your grave responsibilities which are vital to the functioning of the banking system with your unfair credit reporting methods! As a consumer, you must have my consent FIRST to furnish anything on my consumer report. Furthermore, in accordance with the Gramm Leach Bliley Act ( 15 USC 6809 ( 3 ), you are defined as a financial institution. Congress made it your obligation to respect my right to privacy and provide me with an opt out option of the sharing of my nonpublic personal information with nonaffiliated third parties! Youve failed to perform your official duties in which Congress clearly specified in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm Leach Bliley Act ( 15 USC 6801 ). Congress also states that a consumer report to EXCLUDES transactions and experiences between a consumer and the person who makes the report. Im aware that as a consumer reporting agency ( 15 USC 1681a ( d ), for MONETARY FEES you participate with nonaffiliated third parties to defame my character, weigh on my credit worthiness, and extort me on extensions of credit! Congress states that not only that I have right to privacy, but I may exercise my opt out option of sharing my nonpublic personal information at any time due to your failure to never provide me which an option to do so.
Consumer complaint received 2023-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I went on the Navy Federal Credit Union Mobile app to start a re-finance loan. Midway through the process, I changed my mind and did not want to continue with the process. On the screen, I was provided the option to save the information and exit the process and I was provided a message that I can resume the application by going to navyfederal.org or by calling XXXX. It said after 5 days, a decision will be made. I called this number 2 days after and spoke to someone to make sure that this loan does not continue or is processed because I did not want the loan, nor did I want to have another inquiry on my credit. The message on the screen made it seem as if the loan was not finalized. I have attached a screenshot of the message that says " You're almost done. There are a few quick steps left to finalize your application ''. There was no warning or indication of any kind that my credit would be run, or the loan would go through. Especially after I called them 2 days later, it was my understanding that I had cancelled the entire process. I received an email today that Navy Federal is still considering my loan. This prompted me to call them again because I did not authorize them to process anything from the beginning. I did not go through the entire loan process on the app, and I had already called to cancel. I checked my credit and Navy Federal is there with a hard inquiry. I do not agree with this because it is my understanding, I did not authorize them to go through with this loan process and it looks like they are still trying to process a loan that I called and told them to not process at all. I called them again today, XX/XX/23 and was told the disclosures on the mobile app says the credit will be run. I did not see any disclosures nor did the screen say that. I did not agree to them running my credit at all and stopped the process on the app before I got to this point. I want the hard inquiry for Navy Federal removed from my credit. This is negatively affecting my score for something I did not want or authorize.
Consumer complaint received 2023-03-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

Today I was contacted by XXXX XXXX from the subsidiary company Wells Fargo hired out to cheat victims of WF criminal schemes. During this call he indicated he was mad that I had filed with the CFPB. He again refused to allow me to provide evidence of the illegal and abusive actions of WF. He stated repeatedly that he would decide and it was clear his animosity would result in no reparations in spite of the rightfulness of my claim. He was dismissive, rude, uncaring and abusive and indicated I am a liar. He refused to listen or discuss my case. It is very clear he is only marshaling facts to support denial of rightful restitution to my family. 

I am formally requesting that WF get a unbiased decision maker who is not abusive, not smug pedantic, patronizing or grossly biased. 

I further am complaining that WF are the ADMITTED bad actors AND YET THEY ARE IN CONTROL AND CONTINUING THEIR UNETHICAL BUSINESS AS USUAL ignore, abuse, steal from their own clients, I want an unbiased person who is not abusive, who cares and as XXXX XXXX promised will make whole all us victims. 

He also screamed at me when he thought I might be recording him. He stated only he could record me. He is wrong. But he was very concerned there would be a record of his unethical treatment of me. Further, he only ever called me he admitted because of my complaint, This is a new concern given XXXX 's demonstrated biased and abusive behavior, he has demonstrated personal amimus against me personally, refuses to allow me ANY input or to testify or present evidence ( that I have in audio and emails TO WF agents ) has essentially called me a liar, screamed at me for filing a complaint, lied about who he works for, and stated he made final decision already but couldnt " tell me ''. I again begged to have input with the recordings, emails and previous CFPB detailed complaints I made at the time proving illegal dual trackingand other egregious abuses, XXXX XXXX clearly only has ine objective ; to deny as many reparation claims as possible and he marshals or creates anything to support this conclusion. Otherwise he would be happy to accept and utilize my testimony and proof.
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

In XXXX of XXXX I was in a serious accident totaling my vehicle. The car itself was totaled by insurance paid their portion of the vehicle leaving me with a XXXX $ balance on XX/XX/XXXX XXXX Credit acceptance for some reason always left the account open on my credit but didnt start negatively effecting me over a year ago where they started charging me late fees and on XX/XX/XXXX XXXX past due balance of {$8000.00} and currently in debt {$8600.00} total with no explanation or details of this amount. I called for over a year trying to get a detailed statement of the amount I supposedly owed but could never get any help.
Consumer complaint received 2023-03-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.