davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
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. (IL)

Dear Transunion ; I am requesting that your staff open an investigation [ pursuant 15 U.S.C. 1681 via FCRA ] as pertains to 8 out of the 10 documented HARD INQUIRIES that are recorded in my Transunion Consumer Report. ( see attached ) On or around XX/XX/XXXX & XXXX, XXXX, it is clear that I was shopping for a vehicle for which The Dealership ran my credit ( hard pulls ) through several different financial companies seeking out financing for a car. All 8 of these hard inquiries are all documented on the same day and symbolize vehicle financing inquiries. 

My argument is that All XXXX of these inquiries under FCRA Law - only count as 1 Hard Inquiry being that they are all for the same thing, Not 8 separate hard pulls. Please Consolidate the following identifiable ( 8 ) Hard Inquiries into One ( 1 ) Single Hard Inquiry. If Not, please explain why- in plain Details! 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) FIRST XXXX XXXX - XXXX ( XX/XX/year> ) XXXX  ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> XXXX XXXX Number 1 & 8 are from the same company only one day apart!
Consumer complaint received 2024-04-07
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. (CA)

I was recently a victim of identity theft and it could be due to the data breach at XXXX where I previously worked. This unauthorized use of my personal information has led to several fraudulent activities including the opening of the unauthorized accounts : XXXX XXXX
Consumer complaint received 2023-05-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-28
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. (TX)

I sent in a request to remove a bankruptcy placed on my account that was not provided by the company. I provided proof from the courts stating they don't report this and still verified it as accurate with no proof of who is saying this is valid by the company.
Consumer complaint received 2024-01-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (PA)

Waypoint Resource Group has reported on my credit report that I owe a debt of {$330.00}. I do not owe this debt. I have never been contacted by this collections agency about this debt. They have not shown any proof of this debt. I want this removed by credit report immediately.
Consumer complaint received 2024-01-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

In XXXX XXXX  a letter was sent to me stating that my escrow payment was increasing by a large amount that was not justified by property tax or insurance increases. I called the company in XXXX and asked why such a large increase. I was not given an answer and I asked for a supervisor. When the supervisor came on the phone, she stated that they have the right to increase it and would not give me a Justifiable reason. I told her my property tax and insurance did not increase by that much to Justify such a large increase in payment. She ended up hanging up on me without giving me a reason for the increase. I have tried to call them back and have not gotten any returned calls from management as requested. I can not afford the increase. They have increased it every year Ive had them. They increased it a large amount last year and did not give me a reason. Now this year they increased it even more. They are increasing my payment to make my mortgage unfavorable because my interest rate is so low. Thats why they push refinancing which is not an option at this point. I should not be forced to refinance by a company that just keeps increasing my mortgage payment every year to make it unaffordable.
Consumer complaint received 2024-01-10
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)

I received my Equifax credit report on XX/XX/2024 and I noticed some accounts on my credit report are in fact inaccurate and incomplete. Which is a clear violation of USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) % ( b ), 15 USC 168i ( 5 ) ( A ) ( i ) & ( ii ). I believe honestly that they are doing this on PURPOSE. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They must be blind because XXXX XXXX can see that everything is inconsistent. How can One data furnisher or one source of information. That's coming from ONLY one business, report 3 different information. I have attached supporting documentations to support my complaint.
Consumer complaint received 2018-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

In XXXX I graduated form the school, lost my job and didn't start word until XXXX. Paid min. until XXXX on a {$2400.00} bill. In XXXX started paying {$100.00} a month, on XXXX I wrote the company and told them I thought I had paid them in full, wrote a check for {$100.00} paid in full. Never heard from them for a year. XXXX they started billing me again, saying I owe {$930.00}. I contacted them three times, first time I was told I borrowed money three times (  not true ) ask them to send me records ( didn't get them ), second time was told I owed {$2400.00} then {$5000.00} then {$11000.00}. The third time the person didn't know what to say, so I asked her to send me my accounts. She send me stuff that told me nothing, I have the papers if you want them.
Consumer complaint received 2024-04-06
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. (FL)

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, 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 an 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 reasonabl
e cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one is falsely reporting payment history that is damaging credit. XXXX of XXXX and XXXX of XXXX. I have documents stating I made several payments before the actual due date for the months that are reporting late payments. This false informations needs to be removed or corrected. I have tried to resolve with capital one and have disputed on XXXX XXXX
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (MA)

I contacted FedLoan Servicing via email with no response one week prior then called to follow-up with a phone call to discuss unpaid interest on my account. Spoke with Fed Loan Customer Service, XXXX XXXX regarding my concerns. Per FSA IDR Plans Q & A Under the REPAYE Plan, if your calculated monthly payment does n't cover all of the interest that accrues, the government will pay all of the remaining interest that is due on your subsidized loans ( including the subsidized portion of a consolidation loan ) for up to three consecutive years from the date you begin repaying your loans under the REPAYE Plan, and half of the remaining interest on your subsidized loans following this three-year period ; and half of the remaining interest that is due on your unsubsidized loans ( including the subsidized portion of a consolidation loan ), during all periods. 
When looking at my paper statements, the online information about each loan and the loan summary information there is a balance for unpaid interest. I was told first that the unpaid interest taken care of on a monthly basis but I have not seen a reduction in the interest on any of my loans since transferring to the REPAYE payment plan. Was told that " it will be forgiven through PSLF and not to worry '' which is irresponsible. I requested an accounting of the total unpaid interest amount on my account and what portion is from unsubsidized vs subsidized and for what months. Was told ther is no way to get an accounting of unpaid interest, additionally was informed there may be a lag time in processing the interest subsidy. As of today, this has been a lag of over 6 months with no documentation or clear timeline for resolution.
Consumer complaint received 2024-01-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (FL)

I XXXX XXXX am disputing the validity of the debt assigned to me from the creditor stated in account number XXXX. 

Per section 609 of the Fair Credit Reporting Act, I am entitled to see the source of the information, which is the original contract that contains my signature from the original creditor.

Additionally, you are to send me proof that you are legally contracted and legally authorized to collect this debt by the ORIGINAL creditor.

You are required to remove all collection information from all XXXX  credit reporting agencies immediately until the investigation has concluded. 

You are required to respond to this request to validate this debt with in XXXX  days. I will exercise my rights to have XXXX  days to review the evidence and respond. 

You are to cease and desist all collection attempts with we. 

Failure to comply with the instructions within this email constitutes a violation of my rights and legal remedies will be exercised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (MO)

I am a natural person, I am a living human being. I have rights under law 15 USC 1681. Zions Debt Holdings LLC is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand removal from this account off my credit file. According to 15 USC 1681 : I have rights and i did not give XXXX XXXX XXXX XXXX written permission to furnish this account.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2016-11-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DYNAMIC RECOVERY SERVICES, INC. (MI)

The supposed collection agency, Dynamic Recovery Solutions, started calling me around this summer and their calls have gotten increasing in number in the last few weeks. I have a very common phone number that is often misdialed, and I know I do not have any outstanding debts. They also call me from a lot of different numbers with my same area code, but verball leave a different number for me call back in their voicemails. I also do not live where the area code my phone number is from, which leads me to believe they do n't actually know my current address. I have only had one credit card in my life, my only medical experiences were while I was under my parents ' insurance, and I have never missed a student loan payment ( my only debt ). This company has a large number of complaints online from both consumers and creditors for their shady and often threatening practices, including not paying creditors and harassing consumers about false debts.
Consumer complaint received 2022-12-26
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: LEXISNEXIS (NV)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 These lenders have accessed your credit file : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (MI)

XXXX XXXX bill {$2700.00} Jefferson capital has put this on my credit and XXXX XXXX keeps sending me collections letters to collect a debt that is not mine.. I have tried several times for years to dispute this matter and they will not remove it from my credit reports.. this debt is not mine and I never had service with XXXX I have been a XXXX customer for over a decade .. please help me get this resolved and removed from my name the name on the bill is wrong as well
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (HI)

I am filing this complaint against Fortiva due to a dispute regarding their report of a late payment on my credit report. Fortiva stated on my XXXX statement that my XXXX payment of {$95.00} was past due. However, I made a payment of {$180.00} on XX/XX/XXXX, as clearly indicated in my XXXX statement. This discrepancy has significant implications for my credit score and financial credibility. 


Dispute Details : XXXX Payment : The XXXX statement indicated a minimum payment due of {$95.00} by XX/XX/2023. 

Fortiva 's Claim : On the XXXX statement, Fortiva reported that the XXXX payment was past due. 

My Action : I made a payment of {$180.00} on XX/XX/2023, as shown in my XXXX statement which covered the {$95.00} XXXX payment. Well within 30 days. 

Attempts to Resolve : I disputed this with the credit bureaus, presenting evidence of the payment made on XX/XX/2023. 

Despite this, XXXX 's dispute results indicated that the account remains reported as a late payment.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (OK)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2023-08-04
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. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-01-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (OK)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-01-10
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. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

The credit reporting bureaus eq XXXX and XXXX failed to delete innaccurate acct information. 
Specifically XXXX XXXX and XXXX XXXX XXXX created a new acct without my authorization added two years to the original deliquency. Intimidated me with threats of lawsuits as a XXXX XXXX I am entitled to fair protection from abusive practices. I paid in settlement 6 credit balances in exchange for agreement to remove the negative reporting and the 2 collection accts I refuse to pay since I have no relationship to them and they add extra fees of close to {$2000.00}. This is an abuse under the regulations of fcra.

Since the credit bureaus have not responded to my requests I would like to ask cfpb to help resolve this, I am unable to get a loan now which means no transportation. no employment and this makes unnecessary hardship to pay my property taxes and support my family thru school. Its very disheartening because I know there have been recent class actions against XXXX XXXX and eq as well as portfolio and security credit services yet they persist in flagrant violations because of profits received at consumer expense and and somehow manage to pay huge litigation costs and settlements yet continue to flout the laws and regulations which provide equity to lowly consumers.