davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my profound disappointment and frustration with the lack of action taken by XXXX, Transunion, and XXXX on my previous dispute letter dated XX/XX/XXXX. It is with great dismay that I must inform you that the disputed accounts listed in my initial letter have not been DELETED from my credit report, despite my explicit and unequivocal assertion that these accounts do not belong to me. 
Account Name Account number XXXX XXXX XXXX XXXX XXXX XXXX  Not mine XXXX XXXX XXXX XXXX XXXX XXXX  Not mine XXXX XXXX XXXX XXXX XXXX XXXX Not mine XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Not mine XXXX XXXX XXXX XXXX XXXX XXXX Not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not mine XXXX XXXX XXXX XXXX XXXX XXXX Not mine XXXX XXXX XXXX XXXX XXXX XXXX  Not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not mine XXXX XXXX XXXX XXXX XXXX XXXX Not mine I received a letter stating that this account were verified and I insist that XXXX, XXXX, and Transunion provide me XXXX within 30 days, with the following documentation, as required by law : 1. Copies of the contracts or agreements bearing my signature for each account listed on my credit report.

2. All supporting documentation or evidence linking me to these disputed accounts.

3. detailed account history, including a record of payments, charges, and any other relevant transactions.

4. Charge-Off Documentation that supports the charge-off status of the account.
5. Chain of Ownership, If the account has been sold or transferred to a collections agency, provide me documentation that establishes the chain of ownership. 6. Date of Last Activity 7.
Proof of Reporting Compliance.

I would like to receive this information here, so the CFPB can see it and have as a record and also by mail to XXXX XXXX XXXX, XXXX XXXX NY XXXX. If this information can not be provided those incorrect accounts should be DELETED from my file as soon as possible.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, TransUnion and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
Consumer complaint received 2023-06-16
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. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (GA)

The removal of the security interest, seeing there is no lien on the property in which they repossessed. I am asking them to remove this account from my credit profile as it is a violation of my privacy and I have not consented to them reporting my private information to a third party CRA, or if they can provide the proof of me agreeing to consent to them reporting my private information. It also has come to my attention that the CFPB has filed a class action lawsuit against CREDIT ACCEPTANCE for the predatory lending and the misrepresentation of the cost of credit and tricking its customers into high-cost loans. They're reporting this collection is having an adverse reaction to my credit worthiness.
Consumer complaint received 2022-10-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2022 they reported me late to XXXX XXXX and Experian. When the company told me I had a deferral till XXXX on a recorded phone call. I had made phone calls numerous times and stated my financial hardship asking for help when they made the mistake of giving me the wrong deferral date. 
Not only were they giving me a hard time, but I just had a family member passed away on top of the lack of responsibility the took and its completely unprofessional. I first told them I initially had to pay money for my car which is on record at XXXX XXXX. They are illegally reporting a 30 day late payment when I was told other wise. They are in violation of the FCRA and I want it removed immediately. The lack of communication either supervisors and reps at the company is absolutely terrible. They should keep everyones records with proper information so these mistakes do not happen.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB XXXXXXXX  Experian XXXX XXXX XXXX XXXX TX XXXX RE : to dispute inaccurate information on my credit report After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. 

I AM REQUESTING COMPLETE DELETION BASED ON YOUR INVESTIGATION. 


Please investigate the following accounts : Bankruptcy XXXX  XXXXdischarged Reference number : XXXX -all accounts listed below are related to the bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate. PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit le is a violation of my rights. 


Please DELETE ALL LISTED ACCOUNTS IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. 


Thank you, XXXX XXXX
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (TX)

I am submitting this CFPB complaint for you to notify certain accounts that are inaccurate and based on FCRA Section 605b, It was the responsibility of the three credit bureaus to correct some inaccurate information on my credit file as soon as possible. These are the following accounts that needs to be corrected : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$23000.00}.
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (TX)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-10-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I own a small business. We have Wells Fargo a business checking account. We opened a merchant account and received our first payments from a client on XX/XX/23. Since then, the payments have been on hold. We received an email from XXXX on XX/XX/23 requesting information. I replied. We called several times, but no one had been assigned. After much back and forth on XX/XX/23, we finally got a phone appointment with employee XXXX XXXX for XX/XX/23. She did not call at the scheduled time. Over an hour later, a man called to say she would not call, but that we needed to send invoices. I sent them again even though they had previously been sent. I scheduled another phone appointment with XXXX XXXX for XX/XX/23 at XXXX XXXX. At XXXX XXXX, the appointment was cancelled by Wells Fargo without explanation. I just called again. No one can help me. Risk doesn't take calls. They have no phone number. Supervisor XXXX is going to send another email, that will go nowhere. I can not have an appointment. We are a small business with thin margins. This hold is detrimental to our business. I started to cry and XXXX said that my being upset was only hurting me. The implication being that she does not intend to help me. I was in no way disrespectful to her. I am just supposed to tolerate this because she said we are not the only business going through this? WHERE IS OUR MONEY? I insist on someone explaining this to me at once as it's been a full week with no explanation or contact. Wells Fargo has been in the news frequently lately for allowing money to " disappear ''. Is that the situtation here? Why is there no one to help me?
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I " am filing this report due to the numbers of errors on my credit report. I have accounts that were opened without my knowledge, or consent. Also, there are just plain out errors listed on my report. I found out that I have rights under 15 USC 1681 Transunion, XXXX, and XXXX has allowed these creditors to violate me numerous of times. I demand these accounts be deleted, according to 15 USC 1681 I have a right to privacy and I did give permission for these accounts to be furnished. I did not sign any contracts, nor documentation to open these accounts. These accounts listed here should be deleted XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX,. All of these accounts were opened without my should not have been reported. These hard inquiries were not authorized to be ran by any of these institutions, None of these in quiries are attached to an account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (WI)

In XXXX was notified of a debt collection from Synchrony Bank in the amount of {$10000.00}. The concern was noted as fraud and determined to be identity theft from a woman living in Illinois. Fraud dept had sent her invoices which she did attempt to pay, but then stopped while she was going through a divorce. 
My original account was closed by Synchrony and then somehow merged with this other woman. 
1. I have never lived full or part-time in the state of Illinois 2 . I have never been legally married 3. My credit score is currently XXXX with no outstanding debts or concerns 4. I am financially able to pay this debt, but it is not mine Over the course of the years, each time a collections would send me a letter to collect, I would work with their fraud department. Each time the fraud department would close the account and then sell to the next collections agency. 

I have now received a civil court case notification in the state of Wisconsin. I have contacted a lawyer and reaching out to credit centers for additional support. 
Thank you.
Consumer complaint received 2023-09-19
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-03
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: ID Analytics, Inc. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc (HI)

I applied to XXXX and XXXX who both use Checkr for their background checks. On XX/XX/XXXX th I applied and started the process, after a week of getting a background check pending as the response I called XXXX on their help line as well as Lyft, I was told the DMV portion was complete but was waiting for the criminal portion to come back. After another week of no news I emailed and called both XXXX and Checkr and was told some applications take longer 3-7 days, I was also told that some areas experienced delays due to court houses and outages, I waited another week and did the same thing again and was told both by checkr and XXXX and XXXX that I needed to be patient and some investigation take 3-7 days. After a month I was getting upset because I was being told the same thing over and over. At 2 months of checking in and asking if someone could manually look at my case please and was told they were escalating my issue and that didnt do anything at all, when I asked about the escalation process they didnt even have me down for that process, so now its been almost 90 days since this started. I told XXXX XXXX and Checkr that I bought my car for the sole purpose to drive for them, I financed the whole {$16.00} XXXX dollars and now I have car payments and insurance payments and I can not keep up with the payments without working or driving. My credit score will take a hit with missed payments and I have worked very hard to get my credit score up. I tried 1 more time today to see if anything has been done and they read the same script which is nothing. Checkr is the company that I believe has the glitch in it, or XXXX giving them wrong information? I do not know but I feel that they will never do anything really to look at the real problem and so my background check will never be resolved. So from XX/XX/XXXX until now XX/XX/2023.
Consumer complaint received 2023-09-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

We have been telling Select Portfolio there is no Lien instead of them acknowledging what XXXX and XXXX had said they decided to Foreclose, we have been asking for 3 years where are you sending our payments they never gave us that information, instead under the Foreclosure they say our Investor is XXXX XXXX and has been our Investor since XXXX, which is Fraudulent and then they added a Loan Modification that was signed 2 months ( XXXX ) after XXXX XXXXXXXX XXXX  was closed ( XXXX ) by the XXXX, also doing the Foreclosure the Plaintiff submitted documents saying XXXX XXXX was part of Pooling and Servicing since XXXX, whereas XXXX didn't become Servicer until XXXX, and didn't receive a mortgage payment until XXXX. 
XXXX XXXX who was the Master Servicer after XXXX  XXXXXXXX XXXX closed XXXX, sent us the Loan Modification showing XXXX as Noteholder and Investor XXXX.
Consumer complaint received 2023-08-03
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: 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.

has violated my rights. Or 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.