davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
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. (CA)

IT'S very simple. I asked Transunion ON XXXX XXXX XXXX for the METHOD OF VERIFICATION ( SECTION 611 ( a ) ( 7 ). FOR ACCOUNTS ( XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXXXXXX XXXX  XXXX ) how was the investigation done. Which human being from Transunion actually talked to another human being at the data furnishers office to make sure that the data has no errors, what time was the call initiated how long was the call, was the address checked? the phone numbers on file checked, where the contracts signed, dated by me? what type METHOD OF VERIFICATION WAS DONE? TILL THIS DAY TRANSUNION CAN NOT SUPPLY NOR FURNISH AN ACTUAL DOCUMENT WITH ACTUAL DECLARATIONS BY ANY ONE, OTHER THAN A GENERIC STALL TACTIC LETTER WITH NO INFORMATION THAT CAN BE USED LEGALLY IN A COURT OF LAW. TRANSUNION WILLFULLY WILLINGLY CONTINUES TO RUN A FOUL OF THE FAIR CREDIT REPORTING ACT ( FCRA ) BY IGNORING SECTION 611.. CFPB I WOULD LIKE THIS RESOLVED WITH TRANSUNION.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (CA)

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Please review the following : Account Name : XXXX  Account Number : XXXX  These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account XXXX XXXX XXXX 

After you have finished my request, send me a copy of my credit report reflecting these changes.
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (IN)

I have consistently been charged a late fee in the amount of {$37.00} since XX/XX/2023, which was the first month of my loan. I accrued actual late fees in XXXX and XX/XX/2023 in the amounts if {$18.00} each, which I paid on top of the monthly {$37.00} fee. When speaking to a customer service representative, they said this {$37.00} was being held in a variance account and it was never applied. This did not make sense to me as the fee started in XXXX and I never received a late fee until XXXX.
Consumer complaint received 2023-04-25
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. (CT)

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 XX/XX/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 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 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (GA)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. 

The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Consumer complaint received 2018-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

I was the victim of identity theft ( I have police report showing my credit cards, Driver 's license, bank cards, and checks were stolen to make fraudulent charges and a copy of the legal judgement proving the person who stole my identity plead guilty and was convicted of Identity Theft, XXXX XXXX, a Class C Felony ). I have found that Portfolio Recovery Associates is reporting an account to all 3 bureaus and each copy of my credit report lists different information. One report lists Portfolio Recovery as reporting as an open collection account while reporting to another credit reporting agency as a closed collection account. Portfolio Recovery Associates is reporting as and account with a term of 0 to one reporting agency and are reporting the same account to a different credit reporting agency as a term of 1 month. Portfolio Recover Associates is reporting to one credit reporting agency with no account number while a partial account number is reported to the other 2 credit reporting agencies. Portfolio Recover Associates is reporting to one credit reporting agency as an Other Account ( Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support obligations or rental agreements. This same report lists zero collection accounts. Since Portfolio Recovery Associates is reporting differently to each of the credit bureaus ( XXXX, XXXX, and XXXX ) differently I am unable to identify this account or the claimed balance owed as mine threfore I disputed this account with all 3 credit bureaus ( XXXX, XXXX, and XXXX ) on XX/XX/2018. On XX/XX/2018 Portfolio Recovery Associates changed the remark on my XXXX credit report as " Consumer disputes - reinvestigation in progress Collection Account '' but have yes to change the remarks to the other two major credit bureau XXXX and XXXX. Today XX/XX/2018 I received a call from ( XXXX ) XXXX. When I called the number back it was Portfolio Recovery Associates. I was surprised to receive a call from them as they have received the dispute and have attempted to contact me anyways. According to the CFPB website " Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part of the debt until the debt collector has provided verification of the debt in writing to you ''. This debt is still being re-investigated and no verification has been provided to me or XXXX, XXXX, or XXXX. I have attached copies of my credit reports from XXXX, XXXX, and XXXX, a copy of the police report and judgement proving identity theft took place, a copy showing the updated remark to my XXXX report showing this account is disputed with today 's date, as well as a proof of the call I received today while this account is currently in dispute.
Consumer complaint received 2024-01-07
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (GA)

Navient continues to call back to back every hour on the hour every day beginning at XXXX XXXX and I just received a call today Saturday XX/XX/24 at XXXX XXXX. I have asked them to stop contacting me and my co-signer because they call all day nonstop to the point where we get in trouble at work because our phones are constantly ringing. They call every 30 minutes it seems like. We block one number then they call from ten other numbers. It feels like harassment at this point. I cant even function throughout my day without them calling my phone. Its constantly vibrating if I put it on do not disturb they call until the call goes through.
Consumer complaint received 2024-04-15
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)

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
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (MO)

On my fourth endeavor i would like to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. These are the items i am complaining : XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XX/XX/18 i asked equifax to provide me proof of how they validated the debts that they are reporting. they have not provided me proof i called the lady said they are not required to provide proof which is false.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Dear CFPB, Re : Consumer reporting agency refusing to remove address and phone numbers.

Isn't true that under the fair credit reporting act, a credit reporting agency has thirty days to investigate my disputes? 

I have sent several letters informing XXXX, Equifax and XXXX regarding inaccurate addresses, the addresses are inaccurate because I've never lived at these locations. I have included multiple forms of identification confirming the correct address. There are also phone numbers that do not belong to me on my credit profile as well. I have not received any response from them, The inaccurate information remains on my credit profile. 15 USC 1681 ( b ) states it is the purpose of this subchapter to require that the 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. This is the consumer agencies duty to provide correct information. They are violating the law and willfully non-compliant.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase bank is holding funds on a BUSINESS check for 7 business days, 12 calendar days. Per their website, some funds should become available immediately ( none are ) and the hold should be no longer than 5 business days. 

We called the account holds department and because the issuing bank does not verify funds over the phone, nothing can be done. 

Electronically, this should clear their system in 1-2 days. Why the exceptionally long hold time? 

I regularly made large deposits ( as a sole proprietor ) and recently these excessive holds have felt unfair and unreasonable.
Consumer complaint received 2024-04-15
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. (WV)

I was reading my report on XX/XX/year> and saw a few inquires that weren't made by me I tried reaching out to all credit reporting agencies and even put in a complaint with ftc. 
INQUIRES XXXXXXXX XXXX XXXX XXXX I also realized that the credit reporting agencies were reporting incorrect outdated information as well the only address ive been residing in the past 2 years has been XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX
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: Diversified Adjustment Service, Inc. (TX)

On XX/XX/XXXX I reviewed my consumer report and noticed an adverse item being furnished by Diversified Adjustment for an alleged debt owed in the amount of {$1100.00}. As of XX/XX/XXXX, diversified Adjustment had been notified of ; the misleading, inaccurate information, my right to refuse to pay such alleged debt and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. 

Diversified Adjustment can not furnish this alleged debt to a consumer reporting agency before first contacting the consumer. I Never received any initial notice and communication or ANY correspondence or communication in regards to such alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Pursuant to 1006.38 Diversified Adjustment must cease collection of the debt until Diversified Adjustment sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; Diversified Adjustment is a furnisher under the Fair Credit Reporting Act. by law at the time of Diversified Adjustment being notified at the address specified in Exhibit ( ) of the inaccurate information they are furnishing, Diversified Adjustment shall have cease the furnishing of any information to the consumer reporting agency Pursuant to 15 USC 1681S-2 ( a ) ( 1 ) ( ( B ) ( i ).

It has been well over 30 days and Diversified Adjustment has failed to comply and respond to such notice and correspondence. Diversified Adjustment has failed to Diversified Adjustment has strict liability and must comply with all statutes and regulations set forth. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, Diversified Adjustment can and will be held Civil liability due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Proof of Claim
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Denefits LLC (FL)

I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX XXXX ) : Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2023-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC (FL)

The loan is extremely high. The interest-rate is also extremely high, and they harassed me after one day of being late and they dont start calling until its paid it doesnt matter if its one hour late or one daily they harass me until I pay which is unethical and harassment to the 10th degree o am Upset with the company on top of that. There are a bunch of things wrong with the car that they dont want to fix
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-09
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: First Advantage LNS Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX National Credit Audit Co XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Account # : XXXX Dear National Credit Audit, I am writing this in response to your recent correspondence related to account # XXXX I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I can offer a settlement amount of {$2500.00} in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). 
You agree to not list this debt as a paid collection or settled account. 
You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. 
I am willing to pay the amount of {$2500.00} as settlement for this debt in exchange for your agreement to the above terms within XXXX calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. This debt has not only affected my credit, but has affected my livelihood and residence for my family and I. Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay {$2500.00} electronically. 
If I do not receive your response to this offer within 30 calendar days from the date of this letter, I will rescind this offer and it will no longer be valid. 
I look forward to resolving this matter quickly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
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)

I Got the same stall tactic scripted non-responsive non real documentation that Transunion provides to all consumers in an effort to discourage them from demanding the method of verification as afforded by law under the Fair Credit Reporting Act Sec. 611. Procedure in case of disputed accuracy ( a ) ( 1 ) ( 2 ) ( a ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC (FL)

Repeat phone calls and text messages to family members. Workplace phone calls. I am a XXXX XXXX XXXX man and theyre calling my parents 2500 miles away. No regard for FCRA laws whatsoever. Just pathetic. I have asked them to cease and desist all calls and contact, yet they continue!