davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
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. (NJ)

Recently I looked over a copy of my consumer report in which I've noticed several accounts reporting that have no knowledge of. The account and information motion listed in my dispute letter either doesn't belong to me or is inaccurate information. I asked TransUnion to investigate these accounts to insure that everything is accurate in which they aren't. The creditors listed in my dispute letter have no permission to purchase my personal information nor did they have the consent from me to report anything. I am aware that I have a right to privacy in which that right was violated. How can I owe a debt to these creditors if there is no actual agreements between us? In order for any account to be reported on my consumer report they must have my consent. I understand that it is TransUnion job to thoroughly investigate these accounts and do what's fair and equitable for me. These negative accounts are impairing my ability to obtain the essential necessities that I need for the daily living.

Violations committed by TransUnion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX is reporting a debt I no longer owe. This is paid off and it is past the statute in NC and I would like for this to be removed off of my credit.
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (TX)

Ive disputed these accounts to XXXX, XXXX XXXX Equifax I have definitely been a Victim of Identity Theft and these accounts Ive reported they keep saying its mine they dont belong to me and sure dont belong on my credit report.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (OH)

I called them yesterday since they filed a lawsuit against me. I have NOT been served but I am getting letters from attorneys that want to defend me. When i called yesterday XX/XX/year> at XXXX to phone number XXXX, the guy told me that if I wanted the information about the creditor that they are suing me for I have to pay for it! He asked me for my credit card number! I have never gotten anything from this company, so I have no idea who they are or who they are trying to collect for.
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. (DE)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (LA)

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 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Equity Auto Finance, Inc. (FL)

I am writing to file a formal complaint against Equity Auto Finance Inc., outlining a series of concerns and potential violations of consumer protection laws. I trust that the Consumer Financial Protection Bureau will thoroughly investigate these matters and take appropriate actions to address any potential misconduct. 

Summary of Complaint : 1. Unauthorized Repossession : Equity Auto Finance Inc. repossessed my vehicle, XXXX XXXX XXXX, on XX/XX/XXXX, without proper adherence to Florida Statutes, Section 537.013, governing title loan agreements and repossession procedures. 

2. Lack of Compliance with Florida Laws : There are indications that Equity Auto Finance Inc. may have violated various provisions outlined in Florida Statutes, Section 537.013, specifically., ( a ) Falsifying entries in a title loan agreement; ( k ) Refusing to accept partial payments ]. 

3. Failure to Respond to Correspondence : Despite multiple attempts to communicate my concerns and seek resolution through formal letters, including a Notice of Intent to Redeem and Demand for Vehicle Retrieval , Equity Auto Finance Inc. has not provided satisfactory responses. 

4. Potential Violations of Consumer Rights : There are concerns that Equity Auto Finance Inc. may have infringed upon my consumer rights, including the right to fair and transparent dealings, the right to redeem the vehicle, and the right to partial payments as outlined in relevant Florida laws. 

5. Request for Investigation and Remedial Action : I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into the actions of Equity Auto Finance Inc. and takes appropriate remedial actions if violations of consumer protection laws are found. 

6. Desired Resolution : My primary goal is to seek a fair and just resolution to this matter, including the proper release of liens, the return of my vehicle, and any necessary corrections to the title loan agreement. 


I appreciate the attention of the Consumer Financial Protection Bureau to this matter and look forward to a prompt and comprehensive investigation. 

XXXX XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Hi, I'm reaching out today because it has recently come to my attention that I currently have multiple non-Mailable addresses,3 inaccurate names and multiple inaccurate phone numbers reporting on all 3 of my consumer reports. This is problematic because I no longer associate or receive mail at any of these addresses or use any variation of these names or numbers. This is a direct violation of the Fair Credit Reporting act since the credit reporting agencies XXXX, Transunion, and XXXX all have a duty to report accurately in accordance with 15 USC 1681e and are to maintain effective compliance procedures. I am hereby requesting all 3 credit reporting agencies remove the following addresses and names from my consumer report immediately. 

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
Consumer complaint received 2023-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (PA)

Good afternoon, I definitely qualify for the XXXX PSLF loan forgiveness. I completed all the paperwork last summer XX/XX/2022 when Department of Educations revamped the form and qualifications. 
My student loans are currently with Aidvantage and when I check the status online, it states processing. I have been waiting for my loans to be transferred to XXXX ( servicer who handles all PSLF applications and loans ) so I can get information and track my payments. I have called multiple times and emailed numerous times as well. I have spoken to customer service representatives at Aidvantage who tells me to call XXXX. I call XXXX and they tell me to call Aidvantage. This has been going on for 7 months. I am told to be patient and I have been but I feel like my account is stuck in limbo.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-04-19
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. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX and XXXX XXXX are linked to my credit report. I rented one of their homes and moved out without owing any money back in XXXX. However, it is now XXXX and I'm still being referenced with this couple. I was asked how old XXXX was on and identity test! I need their information removed from my credit report.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

I was charged a late payment, when in fact they were late 6 times trying to pull from my account.They owe for accessing my account, 6 times late from the date I requested for payment.They attempted 7 days later on one attempt, which seems to be manipulating late payments by not drawing on time to cause a late fee.Ive heard this from hundreds of customers on their tactics that they are using to cause late payments, because most people will try and close this account from this horrific company.They have some type of identifier, which seems to target subprime consumers with late payments .None of my other accounts are late, and there is no issue with payments within 24hrs.The amount is owed is only for annual fee.I requested that this account closed if they couldn't process the payments timely .I feel they have targeted me and other consumers for late payments.I will give them what they say I owe for annual fee, and proceed with legal actions against this Company.I want nothing to do with them.
Consumer complaint received 2023-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IL)

I received a notification from JEFFERSON CAPITAL SYSTEM stating that I owed a debt for a service I allegedly used from a company name XXXX. I requested the details of what this alleged debt was for and they refused to provide any information. I never received any notifications by mail or phone from XXXX notifying me of a debt. I reported this as fraud to both the collection agency and the original debtor. NEITHER companies would provide me with any information regarding the supposed debt. I verified my identity to both Jefferson Capital Systems and XXXX and was read back an email address that it not associated with me or anyone I know. I again reported this as fraud and have yet to receive any notifications. I disputed this with the XXXX and XXXX and the result of the dispute was a removal of the debt from my credit report by XXXX. 

XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Consumer defaulted on a auto/installment loan XX/XX/XXXX. No payments were made by the consumer after XX/XX/XXXX. Lender falsely reported payments made in XXXX that we're not made by the consumer. Lender also held the account open past 120 days and did not report the account charged off/closed until XXXX. Consumer believes lender reported inaccurate payment information and held the account open past 120 days to maliciously further hurt consumers credit and to give them more time to collect the debt. Consumer filed a dispute with the credit bureau but no action was taken by the lender or the credit bureau to correct the inaccuracies.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NJ)

Dear Sirs, I kindly ask you to review the attached documents and please help me reimburse my founds {$10000.00}, illegally charged by Wells Fargo Bank XXXX 

Best Regards, XXXX
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: EQUIFAX, INC. (IN)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-04-23
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. (SC)

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-12-26
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. (TX)

bureau name : TRANSUNION bureau address : TRANSUNION CONSUMER SOLUTION XXXX XXXX XXXX XXXX, PA XXXX CREDIT REPAIR CONSUMER LAWS : Based on, You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer according to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that a consumer does not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

Dear TRANSUNION, The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  Inquiry name : XXXX XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we have already involved and sent this letter to the Complaint portal for ( the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
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)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.