davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

hello my name is XXXX XXXX i filed a complaint XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2023 and have not been responded to yet so there for since the credit company have not got back me within the 30 days that they are legally required to they need to erase what i am disputing about off of my credit report an i also would like to be reimbursed for the losses that i have sustained due to improper credit reporting the info that they are reporting is inaccurate on each credit site and it has to be the same or removed i was just recently denied a car lone and loss my job due to the fact that i cant get to work i was working at XXXX was unable to get there due to be denied a car due to the collections on my credit report that are not even the same i will show proof below this has greatly affected me and my everyday life in ways unexplained please help i would also like to be reimburse for every collection that has been reported because i am aware that that it is illegal to report those as well and also XXXX is trying to charge me to view my credit report and i am aware that that is illegal as well
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

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.

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 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

There was recent purchases made thru XXXX that were not made by me. I filled and complaint and they closed my case. I was told is because they used my info. Ive spoken to XXXX and they have no record from those purchases. I have XXXX purchases of {$57.00}, XXXX of {$93.00} and XXXX of {$55.00}. They all all under recurring payments. I dont believe they really looked into it as I dont even have recurring payments for that site on Wells Fargo XXXX They were no help just said to make police report.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

To Whom It May Concern : 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 and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete 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 starting with the List of accounts. If not, please remove it from my credit report Immediately.

Inaccurate and Incomplete Information 1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete from my Credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Per FCRA, 15USC1681E ( B ) all information must have maximum accuracy ... the date bankruptcy reported is incorrect... more importantly the bankruptcy court did not report the information to credi bureaus, therefore the information obtained could not have been verified by the court ... that represents inaccuracies and by LAW and should be deleted immediately from all 3 bureaus Thank You
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$7100.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-08-05
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: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

This complaint arises from XXXX XXXX breach of contract, unjust enrichment, and violation of the Uniform Commercial Code ( U.C.C. ) in relation to a negotiable instrument, specifically a coupon note, which I issued but subsequently refused to honor. 

I entered into a financial agreement with [ XXXX XXXX XXXX XXXX ]. 
As part of this agreement, XXXX XXXX issued to me a Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3.

Blacks Law Dictionary 6th edition defines : Coupon notes- Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note.

Coupons- They are written contracts for the payment of a definite sum of money. They are deemed negotiable and distinct promises. This is supported by Thompson V.

Perrine, 106 U.S. 589, 1 S.Ct. 564, 27 L.Ed. 298.

Relying on this established interpretation and precedent, I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C.

3-301.

If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. 
XXXX XXXX refusal to honor this note, despite my actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. 
It falls upon XXXX XXXX to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C.

By not acknowledging my rightful claim, I unjustly benefits from the security of the landed estate, which has been trustfully placed into the XXXX XXXX XXXX XXXX. 

UCC-1 Filed by The Federal Reserve even says that all bills are prepaid
Consumer complaint received 2023-11-10
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. 

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  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 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NAVY FEDERAL CREDIT UNION (GA)

[ Navy Federal Credit Union ], violated the Truth in Lending Act ( TILA ) and the Uniform Commercial Code ( UCC ), resulting in harm to XXXX XXXX ]., [ Navy Federal Credit Union ], is a corporation organized under the laws of the State of [ Virginia ], with its principal place of business at [ XXXX XXXX XXXX XXXX, VA XXXX ] .On [ XX/XX/XXXX and XX/XX/XXXX ], Navy Federal and I entered into a retail installment contract, which constituted an auto loan for me to purchase a vehicle. 
Despite UCC 9-203 outlining the requirements for the attachment of a security interest and UCC 9-310 mandating the filing of a financing statement for the perfection of the security interest,

Navy Federal failed to satisfy these requirements. Specifically, they neglected to include the note, the evidence of debt, in the security agreement and did not file a financing statement, thus failing to perfect the security interest correctly.

Without informing or gaining the consent from me, Navy Federal initiated a securitization process, which involved the sale of the loan note. This process effectively converted the my loan into an asset-backed security.

I demand that Navy Federal produce the original note, demo
nstrating that it has not been securitized. TILA, in conjunction with Regulation Z, imposes an obligation on creditors to disclose material terms and conditions of loans to consumers. Navy Federal non-disclosure of the securitization process is a violation of TILA, as established in Jesinoski v. Countrywide Home Loans , Inc., 574 U.S. 259, 2015.

UCC 3-301 stipulates that a person entitled to enforce an instrument is either the holder of the instrument, a nonholder in possession of the instrument who has the rights of a holder, or a person not in possession of the instrument who is entitled to enforce the instrument. In this case, Navy Federal, by not including the note in the security interest and subsequently selling the note, is not the holder of the note. Therefore, Navy Federal has forfeited its right to enforce the note under UCC 3-301, which results in nullifying me the obligation to pay the debt. Also the debt has already been paid based on the UCC-1 filed by The federal reserve by me signing the promissory note, extending my credit, and Navy Federal making it a security. As per UCC 3-604, if an instrument is paid by a party obliged to pay the instrument and the party paying the instrument receives a conspicuous statement to the effect that the payment is in full satisfaction of the obligation, the effect of payment is discharge to the extent of payment. In this case, by selling the note, Navy Federal voluntarily discharged my debt under UCC 3-604, absolving the Plaintiff of any liability under the note.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

They broke consumer laws incorrect information and irrelevant information old phone number old addresses that has no relevances to me currently XXXX XXXX XXXX XXXX MI XXXX is my only and current address and collections accounts Ive never done business with them and they couldnt produce my original contract with my hand written signature I wanted all and everything account thats not relevant or accurate to be removed immediately
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

In dealing with Credit Acceptance for our vehicle loan, we had some difficulties paying the large monthly payment. Credit Acceptance created an alternate payment schedule for us, which we upheld to the payment plan until the time in XX/XX/2023 when we paid off the vehicle. 

During this time, even though we were making payments according to the payment plan Credit Acceptance designed, they were consistently reporting late payments. 

I do not understand if we were making all payments on the agreement we had in place & they were accepting the monthly payments, how could these payments be considered as LATE I have contacted Credit Acceptance on 2 occasions since XX/XX/2023 to have these remarks removed. These derogatory remarks have had a lasting impact on my report, making it impossible to receive any opportunity for loan approval. 

I pray that you can assist me. I desperately need a resolution.
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

In accordance with The Fair Credit Reporting Act. This account : CREDIT COLLECTION SERVICE XXXX {$220.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

No Contracts Made with CREDIT COLLECTION SERVICE The Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

( Incorrect Address )
Consumer complaint received 2023-10-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: KEYCORP (NJ)

Good Morning, First, none of the answer choices match the issue I am having. I'll provide as much information here as possible. XXXX ( Key Bank ) has been calling my mobile almost every day for the past several YEARS. Years ago, I explained that I am not the person they are looking for. I've asked to speak to a supervisor. The calls do not stop. I do have the number blocked, but get voice a message cluttering up my voicemail every single day! 

Somebody, somewhere has my phone number attached to their account. I have received calls daily from them for weeks on end. Every now and then it stops for a week or XXXX and then it starts back up again. 

My best guess is this is a collections attempt. As long as whoever it is pays their bills, the calls let up but only for a short period when the payment is due again. 

I would greatly appreciate if there is there anything you can do to make these people stop calling me. Thank you!
Consumer complaint received 2023-10-19
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-19
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. (NC)

Hello these companies has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off account. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (SC)

Opened a business checking account with US Bank on XX/XX/XXXX. Made deposits in XXXX and XXXX to the tune of {$15000.00}. Made a credit card payment on XX/XX/XXXX. However when I tried to make a withdraw at the end of XXXX the account was frozen. I immediately called US Bank, who told me my account was under fraud review and frozen. I called back the first week of XXXX, and was told the account was due to be closed, and a letter would be sent my way with a cashiers check to follow. It is now XX/XX/XXXX and I still have not received a letter explaining the account freeze, nor my monies. I called twice more in XXXX and the first week of XXXX, always being told the account was under review, and I should receive the funds shortly. It's been over 45 days and I still don't have access to my account, money, nor a written letter from US Bank.
Consumer complaint received 2023-10-19
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report as usual today, and unauthorized inquiries showed up out of nowhere. After refreshing my browser to see if it was just a glitch, I realized they werent going away. This situation is frustrating, and Im requesting a thorough review of the documents I submitted so this issue can be fixed immediately, and I dont have to deal with it again.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (SC)

I hired a company XXXX XXXX XXXX {$1200.00} to perform local seo on my website to move up in rank and move towards 1st page of XXXX they were to do local seo which included XXXX descriptions photo alt adding all the towns around so I show up in there search results I was under the impression I was hiring top notch company I was made to believe I was getting top notch service what I got was error in my XXXX description local seo wasnt even implemented into my seo what I got was a loss of visitors since they took over what I got was a drop in authority I oss XXXX points clearly not what I hired them to do since they started my visitors declined from XXXX a week to XXXX in 3 months I need my money back
Consumer complaint received 2023-11-10
Product: Credit reporting 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 am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. The inaccurate information continues to do harm to my credit. 

Kindly update or correct the payment history of these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.