davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
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. (FL)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

XXXX debt was paid to the original creditor, Capital One, in full. I have no outstanding debt with Capital One, and no reason for XXXX XXXX to continue to claim that I do. 
XXXX. I notified XXXX XXXX that a. the debt was already paid and gave them documentation that showed proof of this payment through both email, chat and priority mail service. b. they continue to incorrectly report an open account with them to all three credit reporting agencies. c. that since the debt was already paid, they had no right to report my account to those agencies. 
XXXX. XXXX continues to report that I have an account with them that is unpaid and open. I have given them verifiable proof, and they are just ignoring it to be malicious. Each of the reporting agencies has verified that XXXX XXXX maintains it has an open account for me for the referenced debt. 
XXXX. As the debt was paid to the original creditor, XXXX XXXX is required to remove their notation from my credit file.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I noticed on my report an account called XXXX XXXX XXXX acct # XXXX. I found XXXX and XXXX in the dates and amounts and history payments. This is against the law to report incorrect information. Please investigate my credit report.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (WI)

I can't gain access to my chime accounts. I've attempted to gain access with pictures sent, requests for them to review, requests to update information to gain access to app to withdraw and close out my accounts. At least 30 times. I do not have access to my old phone and emails. I've explained repeatedly of restraining order I've had issued to stalker and therefore had to change my info frequently so I attempted to use an email and phone number I had verified with them and still I can't gain access. I can't even gain access to get my amount numbers to withdraw everything. I've attempted to get them to put a hold on the accounts because the cards are stolen but they will not accept the updated info. Without the acceptance of the info I can't gain access to online chime app and without that you can't do ANYTHING with them. I'm on social security/XXXX. I explained they are withholding government funds and payments and all my income. I can't change my auto deposit b because I don't have my account info I don't have my account info because I can't get into the app and I can't get into the app because they won't accept my updated info I've submitted over 30 times. My income is XXXX  monthly they have the last 3 months. My savings is almost gone. I'm trying to move but I'm afraid that attempting to change anything else will cause further delays. So I can't close or hold my funds, I can't report stolen cards because I can't update anything and I can't hold it stop any spending. They WILL NOT help me
Consumer complaint received 2018-08-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (NY)

I was called and a voicemail was left stating it was an attempt to collect a debt. I returned the call and someone verified they had no information regarding my phone number. This was a scam attempt and the company should be looked into. The phone number originated from XXXX but the callback number provided in the voicemail was XXXX. I requested to be removed from their call list, but could not confirm that actually took place.
Consumer complaint received 2018-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

I have had an IBR on file with the XXXX XXXX XXXX website since XX/XX/2007. The loan servicer has refused to acknowledge or honor the IBR on file, rather demanding that I submit individually to them, then not acknowledging receipt.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (PA)

someone onXXXX stole my name and tried to do an hard credit check from this bank COMENITYCAPITAL/HOUZ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and I want it removed from my credit score at XXXX I never signed up at this bank before and I don't live in Ohio
Consumer complaint received 2023-05-05
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. (NC)

15 USC 1681 SECTION 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my written consent! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (FL)

INNVESTIGATE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INVESTIGATE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.
Consumer complaint received 2018-08-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (AZ)

In XX/XX/2014, I financed a pre-owned BMW through BMW Financial Services. I even paid {$2000.00} for an extended warranty on the vehicle. Within 45 days of my purchase, it became evident that I purchased a lemon ; as the transmission went out on the vehicle. I had the vehicle towed to the BMW dealership, only for them to tell me that the transmission was not covered in the {$2000.00} extended warranty I had purchased. I was incensed. To " help me out, '' the dealership offered to take this vehicle back as a trade-in, and if I paid another {$3000.00} down payment, give me another vehicle. I reluctantly agreed. The original auto-loan was rectified through the trade-in, and I financed another pre-owned BMW through BMW Financial Services.  Within 2 months of driving the second vehicle, the engine blew. Once again, this was not covered under the extended warranty, and BMW offered no help. It was obvious that they hold sold me two lemons in a row. The only solution they offered me was to pay {$14000.00} to replace the engine. I knew I was being swindled by BMW, and I did not want to continue to do business with that organization. I had already lost too much time and money. I expressed my displeasure to the dealership, and let them know that I was leaving the 2nd inoperable vehicle with them. They told me they understood, and that would be fine. Considering the thousands of dollars I had paid in down payments, extended warranties, towing charges, and other inconveniences ; I assumed the finance contract for this 2nd vehicle was also resolved. After all, they had sold me two $ XXXX vehicles that had become inoperable within weeks of the purchase. A couple of years passed. Recently, I discovered that BMW Financial was reporting this account on my credit report as an unresolved repossession. And furthermore, they were reporting that the outstanding balance was {$16000.00}. That's the full amount left on the service contact when I left the vehicle at the dealership. I am certain that the BMW Financial re-sold this vehicle, and I was shocked to see that they were holding me responsible for the full balance left on the finance contract. I immediately disputed this account with XXXX, XXXX, and XXXX XXXX. I have done that several times now, but BMW Finance continues to say I owe them $ XXXX. I completely disagree with this, and have expressed this to BMW. I suppose that BMW became angry that I disputed this debt, as they have recently hired a nasty collection agency named XXXX XXXX XXXX to start harassing me over this contested debt. As if it wasn't enough that the BMW organization had already swindled me out of thousands of dollars for two worthless lemons, they are now hiring a collection agency to harass me for another $ 16,000+, despite the fact that the statute of limitations has already expired anyway. There is no way this can be legal.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : 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. 
I need this information to be verified, because I did not open any account with this creditor.
Consumer complaint received 2024-04-08
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. (TX)

Transunion and XXXX have been willfully noncompliant to my consumer rights by continuing to reinsert deleted accounts to my consumer report that are inaccurate and without any given notice of reinsertion. These charge off accounts and inquiries are not mine. I have already submitted FTC documents and this has already been resolved in the past. I truly believe Transunion and XXXX are tampering with my private information and consumer report at their leisure and without reasonable procedures. I am demanding fair and equitable treatment of my report once and for all. This is truly causing me so much anguish. I have been seeking knowledge into my rights and even considering legal action. 15 U.S. Code 1681i ( a ) ( 5 ) ( b ) states inaccurate information must not be reinserted. It also indicates a notice of any accurate accounts reinserted must be sent to me the consumer. Transunion 's and XXXX 's treatment of my report have been nothing less than negligent willful noncompliance. 15 U.S. Code 1681o. I have been suffering damages as a business professional due to random reinsertions and inaccurate reporting. Please stop this behavior. 

SEE ATTACHED :
Consumer complaint received 2023-04-14
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: I.C. System, Inc. (AR)

I HAD MY IDENTITY STOLEN AND SOMEONE CREATED FRAUDELUNET ACCOUNTS UNDER MY NAME SO IM TRYING TO BUY A HOUSE AND I NOTOICED THAT I HAVE BAD THINGS ON MY CREDIT NOW I CANT GET A CAR LOAN OR BUY A HOUSE AND I HAVE A XXXX XXXX XXXX THAT DEPENDS ON ME I HAVE COLLECTIONS THAT I NEVER HEARD OF PAYMENTS THAT WERENT DUE ON TIME THAT WASNT ME THIS PERSON RUINED MY LIFE AND I HAVE A POLICE REPORT FOR THE IDENITY THEFT
Consumer complaint received 2024-04-08
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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
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)

I think you're company have violated the FCRA law for not handling my situations properly, I sent you a dispute letter regarding the inaccuracies and errors on my report but its been over a month, and those accounts are still on my report pulling down my scores. I'm filing a complaint not only on CFPB but only with Atty General this time
Consumer complaint received 2024-04-08
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)

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.I have fully investigated my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent, credit worthy individuals by reporting erroneous and inaccurate information. Under the Fair Credit Reporting Act, the following applies to me : FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( A ) In general. The Federal banking agencies, the National Credit Union Administration, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to re-investigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer. 
Please update to paid as agreed XXXX XXXX XXXX Account # XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-04-08
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. (NV)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXXXXXX XXXX Balance : {$450.00XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXX - XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$1300.00XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XX/XX/2023
Consumer complaint received 2024-04-08
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. (TX)

I have been trying to fix the inaccuracies on my credit report for years with TransUnion, but now that I am trying to buy a home it is very important that these issues are fixed asap. I have sent numerous of letter to TransUnion about the inaccuracies on my report, every single time, I get a generic letter in the mail saying that the accounts were " verified '' without showing me proof of how exactly did they verify with these companies, and then proceed to fix none of the inaccuracies. The last round of letters I sent on XXXX XXXX, TransUnion XXXX back a letter refusing to investigate, saying that I did not send my own letters and that I used a third party credit repair company, which I did not. They are continuously violating FCRA XXXX XXXX XXXX XXXX XXXX. 

These are the following accounts that were disputed ; XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - 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 2024-04-08
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 looked at my Transunion report back on XX/XX/2023 and noticed some things were incomplete and not accurate. And according to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. I sent a letter asking them to reinvestigate and also did a complaint with you the CFPB, certified mail receipt XXXX, to which I received a response that everything was complete and accurate but if you check my attachments everything is not complete and accurate. ( see attached ) I am now requesting a detailed description of the procedure used in the reinvestigation process? What XXXX compliance procedure was used in the reinvestigation of these accounts? Was the furnisher XXXX compliant? Which aspect of XXXX were they compliant with in the description of their response? What aspect of XXXX in the description made what they reported about the account accurate and verifiable? Please provide the information by your agency relating to the disputed accounts on my consumer report pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 6 ) ( b ) ( iii ) and 15 USC 1681i ( 7 ). 

Can you please see to it that TRANSUNION follows ALL Federal laws in accordance with the FCRA.
Consumer complaint received 2024-04-08
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)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per XXXX XXXXXXXX ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-08
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)

I reviewed my credit report and found a multitude of errors listed that is a direct violation of my federally protected consumer rights. 

For example : According to 15 USC 1681a 2 ( A ) ( i ), the term " consumer report '' should not include reports containing information solely about transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ).

In regards to 15 USC 1681a 2 ( A ) ( i ) : EXCLUSIONS from Consumer Report. You are in direct violation of FCRA 15 USC 1681a 2Ai by including transactions and/or experience ( transactional ) information in my consumer report, which is explicitly excluded by Congress. 

Delete ALL erroneous data of late payments and balance data from the following account/s within XXXX calendar days by updating the payment history to current XXXX & block/remove the balance information listed.

( SEE ATTACHED ) ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Convergent Resources, Inc. (NY)

XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} Convergent Outsourcing : {$1000.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX : {$650.00} The XXXX XXXX : {$830.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.