davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX claims they have documents validating debt owed. They have not submitted any documentation to me validating any debt. I never signed a contract with XXXX XXXX I did not give XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681. USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX  permission which is another violation. TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX USC 1692b states that any debt collector is not to state that such consumer owes any debt, I have a letter from XXXX XXXX  stating that owe a debt to them but it is not valid. My complaint is also with three bureaus TransUnion, XXXX and XXXX who are allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681. USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give TransUnion, XXXX, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$760.00} ; SXXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (CO)

I am on a payment plan per the settlement they sent me in the mail, the day o made my first payment they called and acted like they had no idea about the payment plan. Over the last XXXX weeks Ive received calls almost every single day with them trying to collect more money, XXXX tired of it. And when asked they act like they dont know a thing about anything.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : DEPTEDXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TX)

Im submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX A XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-02-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Riverwalk Financial Corporation (MO)

I originally had a car loan through XXXX XXXX and did a voluntary repo. My account was sold to Deville Asset Management. When i contacted them to see if the car had been sold they told me they had no information on me. I believe the car has been sold and imthere is no balance left. I have been told nothing or have no information and i dont understand why they could not fine me in their system.
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint against Transunion regarding their failure to conduct a reasonable investigation into inaccurate items on my credit report, as well as their refusal to address incorrect personal information despite providing the necessary documentation for verification. 

On XX/XX/XXXX, I sent a dispute letter to Transunion via USPS-certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In the dispute letter, I requested an investigation into inaccurate items on my credit report and also disputed the incorrect personal information listed therein. Along with the dispute letter, I provided copies of my photo ID, social security card, and a recent bill showing my current address to aid Transunion in verifying my identity and address. 

I received a response back from TransUnion dated XX/XX/XXXX stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Despite providing all necessary documentation, Transunion has failed to conduct a thorough investigation into the disputed items on my credit report. This failure to act in accordance with the Fair Credit Reporting Act constitutes a violation of my consumer rights. 

Furthermore, Transunion is obligated to adhere strictly to the provisions outlined in the FCRA to prevent future violations of consumer rights. This entails conducting thorough investigations into disputed items and providing accurate and timely responses to consumer inquiries.
Consumer complaint received 2024-04-23
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (NC)

My Wayfair Mastercard account has been removed from XXXX report without any reason. 
I contacted both wayfair and XXXX to correct the inaccuracy and both blame it on each other and I am lost in the middle.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (FL)

Subject : Urgent : Correction Needed for Car Loan Reporting with BMW Financial Dear Consumer Finance, I am writing to urgently address the persistent incorrect reporting of late payments on my car loan account, which was enrolled in a deferred payment program. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions. 

Additionally, under 15 USC 166b, a creditor may not treat a payment on a car loan as late for any purpose. Despite my repeated disputesover nine timeswith the credit bureau, they are neglecting the fact that these months were deferred. Regardless of being marked as 30 days past due, no payment was due during the deferred period. 

I urgently request your intervention for an immediate review and correction to ensure accurate reporting, removing any erroneous late payment notations. 

Please see statements to confirm this inaccuracy. 

Thank you for your swift attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I consistently make on-time payments. I am confident about this. What I am unsure about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-12-01
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (OH)

Navient has contacted me more than seven times in a seven day period and continued to contact me after I verbally requested for them to stop. 

These are the dates and times of their phone calls : XX/XX/23 at XXXX XX/XX/23 at XXXX, XXXX and XXXX XX/XX/23 at XXXX, XXXX and XXXX XX/XX/23 at XXXX and XXXX I have attached screenshots of the phone calls to this complaint.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Back in XXXX of XXXX  I received a call from someone claiming to be with Wells Fargo Bank wanting to know if I was traveling abroad because I had some unusual charges on my account that were out of my state. They sent me a text message with a 6 digit number that they wanted me to read back to them for verification of who I was. Later that day I received an email from Wells Fargo stating that I had signed up for online wire transfers ( I did not ). Also received an email stating that an online wire transfer had been initiated out of my account. I immediately called Wells Fargo and spoke with an associate, I informed her that I did not sign for such service nor did I initiate a wire transfer. She informed that my money would be back in my account in 24 to 48 hours. To this date I have not received my money back. I have reported this to my local Sherriff Dept. and a warrant has been issued.
Consumer complaint received 2024-04-23
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. (NJ)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : they are all in my attached files
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I always pay on time. I am sure of this. what I am not sure is why this company is reporting me late on certain months which should not occur. Based on USC 1666b any billing error should be corrected otherwise they will be paying me {$1000.00} for each accounts reporting inaccurately.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I XXXX XXXX XXXX XXXX, am filing this CFPB complaint concerning the continual reporting of inaccuracy on my personal information I have disputed this several itmes. And, yet the credit bureaus keep reporting it on my credit files.

In the credit agencies response, they are saying they report what is being given by creditors.

That is a bold face lie, because I only have one account of concern. And the personal information that is being reported is years old. I dont have any accounts that are reporting on my credit files. Are actively associated to any address, or names currently on my credit files.

This is the credit agencies way of trying to keep the personal information on consumers file. The FCRA says that information is to be 100 % accurately, apparently the credit agencies. Do not know what 100 % accuracy is, therefore they are continually violating federal laws " This is why the credit agencies are constantly being sued. And should be because consumers are constantly dealing with this The personal information on my personal files are outdated and old. Where I no longer have lived for years, so why isit still on my consumer files.

Its not like I can receive any mail there, or be contacted there if I do not live there.And this type of actions aides in fraud and identity theft by having old information on my file.I demand that my personal information be updated to 100 % accuracy.

Which, is my current address listed on my consumer files. There are addresses on my credit file that I have never lived at. Per the FCRA, 15 USC 1681 ( a ) ( 4 ) .There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, and respect for consumer 's right to privacy.

I demand a deletion of all personal identifiable information from my consumercredit report with the exception of : Legal Name : XXXX XXXX XXXX XXXX Legal address : XXXX XXXX XXXX XXXX, Texas XXXX Delete : My XXXX XXXX Delete : My SSN # XXXX Delete : My Phone number XXXX XXXX Delete all other personal information listed on my consum, er file. It is my intention under federal law, to pursue legal actions. For any inaccurate personal information that is not deleted. 

I have obtained a federal complaint form from the XXXX XXXX XXXX XXXX. In Texas where I live to file a Pro-Se complaint against all agencies who do not remove the inaccurate personal information.
Consumer complaint received 2024-01-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Village Capital & Investment LLC (PA)

There are no good programs for VA loans. Im on a forbearance but Im not working. And instead of adding my missed payments to the end, they said it alll comes due at end of forbearance. And even if they divide that over 12 months I will not be able to catch up. My mortgage is XXXX a month. I havent paid since XXXX. That is about XXXX for 6 months. Even if I get a job and can make the regular mortgage payment how am I going to add an extra XXXX a month to my regular payment to catch up over 12 months.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NC)

Good Afternoon, On XX/XX/22 I received an email stating the next step for my application. I begin calling Wells Fargo- they insisted and tried to downplay the matter telling me they would help to close the account BUT THEY COULD CLOSE ACCOUNT UNTIL IT WAS COMPLETED TO BE OPEN. I received many emails ( attachments enclosed to this complaint ) over the next couple of days and mail from Wells Fargo concerning opening my new account. I am also so careful about someone obtaining my personal information in the past. I thought I used the upmost steps to stop this from happening in the past! When I understood the account opened was fraud, I was so distraught! - I DECIDED TO SCHEDULE AN APPT WITH A THERAPIST! I'm still in therapy! It's not a good feeling to know you are so careful to NOT let this happen and find out the an actual Corporate Bank did this to you. Who now can you trust! Wells Fargo hurt other clients in the past with other deceptive practices- when will it stop! I called and called Wells Fargo- I called Wells Fargo , no one ever called me. Customer Service Rep only tried to downplay the seriousness with the matter- I was so agiated and upset once off the phone. How do I keep myself positive this will not happen again? Please help! Thank you!
Consumer complaint received 2024-01-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank opened 2 credits cards under my name without my consent. 

Card 1 was for XXXX XXXX and they informed me the account number associated with my name and address ends in XXXX. 

Card 2 was for XXXX XXXX and they informed me the account number associated with my name and address ends in XXXX. 

Both have shown up on my credit report. 

I've tried to dispute with XXXX, and they made no changes.
Consumer complaint received 2024-01-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (AZ)

I WAS SENT 2 STATEMENTS FROM THEORIGINAL CREDITOR '' XXXX XXXX RESPONSE '' AN INVOICE ON XX/XX/2018 & XX/XX/2018 PRE-COLLECTION NOTICE. THERE ARE XXXX REFERENCE DATES COLLETORS CAN USE WHEN FILLING OUT THE VALIDATION NOTICE THAT WAS SENT TO ME ON XXXX '' DATE OF SERVICE '' XX/XX/2018 WAS XXXX THE ITEMIZATION TABLE. THEY ARE NOT USING THAT DATE. 
THIS IS A SECOND ISSUE PHOENIX FIN SERV IS REPORTING TO XXXX UNDER THE REPAYMENT " TERMS '' - THE AGREED-UPON AMOUNT OF TIME TO PAY BACK THE MONEY BORROWED. I NEVER AGREED AND I DID NOT BORROW ANY MONEY. IT WAS AN XXXXE DEBT.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I took an equity line from the same bank as my mortgage. The lender stated they would post upcoming payments for both on the account as an alert. Only my mortgage posts and not the equity line. They state they are continuing to work on this. Months later still no resolution and they have taken fees for insufficent funds when funds have been available.