davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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. (TX)

I am writing to express my deep frustration and disappointment regarding the unresolved issue of fraudulent items on my account. Despite my initial attempts to rectify this matter, I find it necessary to address it once again. 

Since then, I have diligently followed up on multiple occasions, providing additional evidence and emphasizing the urgency of the situation. Despite my efforts and the assurances I have received, the fraudulent items persist, causing me significant stress and financial hardship. 

The failure to address this issue in a timely manner reflects poorly on your company 's integrity and commitment to customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem remains unresolved, eroding my trust in your organization. 

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit file:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; ; XXXX  XXXX XXXX Balance : {$450.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-05-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Dear CFPB, I, XXXX XXXX, financed a vehicle with : Credit Acceptance Corporation, At Business : XXXX XXXX XXXX XXXX At Address : XXXX XXXX XXXX XXXX, XXXX TN XXXX, On Date : XX/XX/XXXX, With Vehicle Details : XXXX XXXX XXXX XXXX XXXX VIN # : XXXX Unfortunately, my experience with this vehicle has been nothing short of a nightmare. 

Just three days after purchasing the vehicle, the engine suddenly failed on the highway, putting my life and the lives of other drivers at extreme risk. After conducting research, I discovered that this vehicle has numerous and dangerous engine manufacturer defects that have occurred with thousands of XXXX XXXX, as evidenced by the class action lawsuit against XXXX on XX/XX/XXXX. 

The engine defects cause extreme oil consumption, rendering my vehicle unusable and unsafe to drive. This defect is life-threatening and dangerous, causing significant financial losses, missed job opportunities, and XXXX. 

It is clear that this vehicle was sold to me as a lemon in unsafe and dangerous conditions. While I assume that 1 XXXX XXXX XXXX and Credit Acceptance Corporation were not aware of the XXXX manufacturer defect prior to selling, it is your responsibility as the manufacturer to recall these vehicles and provide a safe and reliable replacement. 

I trusted XXXX XXXX XXXX and this dealership to provide a reliable vehicle that customers can count on. Instead, I find myself in a precarious and very life-threatening driving situation. I demand a recall of my vehicle 's engine and a replacement that is safe and reliable. I find it also appropriate to request a temporary loaner vehicle while mine is being repaired. 

I understand that issues can arise with used vehicles, but I believe that it is the responsibility of the car manufacturer, dealership & financer to ensure that any issues are identified & addressed prior to sale. Given the occurrence of the life-threatening incidents as a result of this vehicle, I feel this is the only acceptable course of action.
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

I want to acknowledge your efforts in removing some of the disputed accounts from my credit file, following my previous dispute. However, I wish to address my confusion and concern as there are still discrepancies on my credit report that remain unresolved, despite being successfully rectified by other credit bureaus. The following accounts are still inaccurately reported on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX. I want to emphasize that these accounts have already been removed by the other credit bureaus. I have attached the necessary documentation to support my claims, and I request a thorough investigation to correct these inaccuracies promptly. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NC)

There was a credit card application on XX/XX/2023 for JP Morgan Chase bank. I didnt submit or apply for this application. My credit protection company notified me and we worked with bank to cancel the application.
Consumer complaint received 2023-12-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (OH)

There is a collection for {$180.00} for XXXX XXXX thats keeps getting sold on after it get removed! I have disputed over and over but keeps getting sold. Now IC systems is reporting I owe a balance for XXXX XXXX which they stated would be removing off my credit last time I disputed but again sold to IC systems with a now {$180.00} balance. They are not authorized to collect in the state of Ohio as well upon my research. I need this removed off my credit report
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account has been reported to all three credit reporting agencys wrong. It is required that they are reported accurate across each one it shows a line of credit and some say credit card. The dates that it claims that its open is different from each credit reporting agency. it is required that they maintain 100 % accuracy when reporting. I have attempted to bring this to the creditor and credit reporting agency and they have continued reporting my information in correctly.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
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)

My house has already been XXXX on. This was the issue that many Wellsfargo customers were subjected to. 

However this week I got a letter from Wellsfargo stating that " During a review of this account, we identified that when the loan as considered for payment assistance options, an error may have occurred. As a result, we are enclosing a check for XXXX We apologize for any inconvenience this caused. '' How do I determine if I should apply for the Wellsfargo XXXX lawsuit? I'm sure that Wellsfargo is not going to freely admit that they cheated me out of my home. But I'm sure that they are not just sending checks out for free. 

I'm also afraid to cash this check, I'm guessing that by cashing this XXXX I am also somehow releasing Wellsfargo from any wrongdoing. 

What should I do?
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-09
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7700.00} US DEPT ED XXXX {$5500.00} US DEPT ED XXXX  {$3400.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4200.00} US DEPT ED XXXX  {$4100.00} XXXX XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2023-05-07
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: EQUIFAX, INC. (PA)

I have continuously been submitting letters to both creditors and all XXXX bureaus over 5 times in a matter of over 120 days and nothing has been resolved. XXXX has gone against my consumer rights reporting information that was never given my written consent and I demand every late payment on my report be deleted before I file a law suit.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

The following accounts and inquiries are a direct result of my information being compromised and used without my authorization. These accounts Im listing are fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts are hindering me from accessing any credit of my own and unable to buy things such as a car and house. I was hoping you could help and look more into the matter because its fraud.
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

Please see previous complaint, WF didn't resolve anything, the rep was just simply a rush to close the case in order to satisfy the CFPB in my opinion. The issue has not been resolved, and is potentially a discrimination case now due to National Origin in my opinion. I spoke to global remittance supervisor, and she agrees that I am not the only person this has happened to, but every time they tell the tech team about this, they come back and blame the customer for some reason. Even initially, the global remittance team told me that I needed to upgrade my browser ( without asking what browser or version I am using ), then after I told him I deal with computer programming and my browser is up to date and is the latest version, then the person said I now have too new of a browser ( lol, so I said make up your mind, which is it ) The company has a lazy policy and not in any way a prudent nor due diligence response. 
WF closed out my response when I informed them not to, because they called me today and transferred me to another department knowing the issue was not resolved. I clearly informed them not to close out the response after the rep said they would close out my case. 
However, since WF is too lazy to really respond properly, I will tell you what global remittance informed me ( the department she transferred me to ). 
The supervisor in global remittance agreed with me that it is a tech issue, however she claims after multiple times they informed the tech team due to a backend upgrade, that they claim there are no bugs nor need to patch anything. This is the tech team mind you. However, the supervisor clearly informed me that I am not the only person that has complained about this issue for global remittance. Since WF failed to take this action more serious, I will tell you that after confirming with the supervisor in global remittance, that apparently a lot of accounts are having issues transferring money. Thus, this is now in my opinion a discrimination case due to services for some but not for all for money transmitter and since it deals with national origin, this is a discrimination case in my opinion as most people that send money outside of the USA are different national origin and potentially of different race. Therefore, WF is discriminating against me since we are just simply trying to transfer money to XXXX XXXX. This issue should be looked into more serious for more concerns of discrimination in my opinion. 

Apparently in my screen, there should be a scrolling button for the page with I accept or I decline, but I do not have that feature. This in my opinion is also a breach of contract, as it is WF responsibility to provide me the service I used for 8 years or so and then all of a sudden they took it back, which forces people now to either wait for a phone rep to come on the line and do the transaction, or go to a branch instead of being able to access it online.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-01-01
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have requested help from the Reporting Agency on multiple occasions but to no avail an as a result I continue to be harmed by what's being reported!!!!
Consumer complaint received 2024-04-09
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. (UT)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2023-07-26
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. (MA)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2024-04-09
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. (CA)

My name is XXXX XXXX XXXX. I received a letter from Transunion in response to a Previous dispute that I have filed disputing unverifiable and inaccurate accounts on my credit report. 
The account disputing our as follows : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # : XXXX I

n my original letter sent via certified mail to Transunion I asked that they remove these two accounts because they were unverifiable and in accurate. I received a piece of mail today saying that they verified the accounts. Therefore, I would like documentation explaining that verification process. If this documentation can not be provided, I would like these two move from my report immediately
Consumer complaint received 2024-04-09
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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. (NY)

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

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter represents my earnest attempt to address and correct the inaccurate information that has been published in my credit report by your company. The recent denial of credit, which can be attributed to the dissemination of erroneous details, prompts me to formally convey that I did not authorize or provide instructions for the inclusion of these specific transactions in my consumer report. 

I am hereby formally requesting the blocking and deletion of these accounts from my credit report. It is imperative to emphasize that this request is not made in error and is not based on any material misrepresentation regarding the necessity to block these transactions.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (IL)

Multiple times i have got charged on my account. Either it being wrong date or time. Double charges and money that havent went back on. I recently had to report my card stolen due to charges being taken out that I never gave permission multiple times.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NY)

Hello my names XXXX XXXX I'm writing this today, to resolve the misinformation on my credit report. I see different missed payment dates across different credit reporting agencies. When the informations supposed to be inform across all bureaus if it was in fact true. My account has always been in good standing According to the fair credit reporting act information on my credit report should be accurate which this missed payment is not.
Consumer complaint received 2023-05-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (CA)

It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " XXXX XXXX  '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight ; Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT 1.FAILURE TO HONOR XXXX GIVEN RIGHTS {$20000.00} 2.SILENCE/DISHONOR/DEFAULT {$5000.00} 3.FAILURE HONOR/NO BOND {$5000.00} 4.USE OF STREET ADDRESS {$5000.00} 5.FAILURE TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR 6.REGULATIONS {$50000.00} 7.FAILURE TO PRESENT A INJURED PARTY {$100000.00} 8.FRAUD PER OCCURRENCE AND INCLUDES ANY 3RD PARTY {>= $1,000,000} 9.DISHONOR IN COMMERCE PER OCCURRENCE AND INCLUDES 3RD PARTY DEFENDANT {>= $1,000,000} 10.ATTEMPED EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, SSN ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000}