davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

for the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time s Unauthorize inquiries that's 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 consumer. Must be deleted in my credit report must be Delete in my cred
it report in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 )
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRANSWORLD SYSTEMS INC (AZ)

A woman named XXXX called claiming to be with TransWorld collections agency. This attempt to immediately go into payment, ask for my bank account or card numbers three times without following fair and correct legal debt collections practices is the reason for today 's report. 
" XXXX '' read a usual script. What was not normal was the immediate insistence that I give my checking account, abrupt requests for it, in urgency. This is indicative of a scam. 
Additionally, I have been in contact with XXXX XXXXXXXX and have spoken regarding my temporary ( hopefully ) XXXX.While not working, desperately want a career and my life back. So, when XXXX called and did not " attempt '' to understand as her script states, share WHICH company ( she then stated the name of a company of a closed card from years ago ) without my asking whom she represented, or, what debt but go immediately into asking for my payment information! This is not a fair and legal debt collection practice. 
XXXX in her script stated " this is a recorded call, and, an attempt to understand the needs of my status, attempt to collect a debt '', as read.. That is ok in fair debt collection regulations in the United States XXXX Next, " XXXX '' began by asking for my checking account details asking what payment will I be using? When I responded may I ask what you mean? What? 
What debt are you referring to? 
What company is this and what is this regarding, she stated a card ending in XXXX. While there may have been one ending in XXXX, that could be a scammer pulling up my information, as recently I have experienced personal data breached information as have many citizens in our global digital environment. In fact, the suspicions grew as I remained in good faith in contact with the card company, as I loved the company. 
I did speak with the debtor as shared above, and, have in many times in the past shared already why this is closed, even worked with their staff personally, as I really loved that company. 
Therefore, while there may be an outstanding debt and hopefully this was TransWorld, yet sincerely doubt it. The woman calling herself " XXXX '' continued to keep asking for payment information three times prior to actually listening to understand, as stated in the script. The number does not come up as TransWorld.

So responding " what ''? " What do you mean? '' led to her asking again for my payment information, not to assist the consumer by sharing specifics of the debt to confirm legitimacy.

This is no compliant. If it was TransWorld there will be a recorded call.
Consumer complaint received 2023-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (FL)

I have taken immediate action to dispute a debt that does not belong to me. 
NAVY FEDERAL XXXX XXXX XXXX XXXX XXXX ( inaccurate late payment history, never late ) XXXX XXXX XXXX  After discovering the fraudulent nature of this debt, I promptly filed a police report to document the identity theft that led to this situation. With the police report as evidence, I have contacted the debt collector and formally requested the deletion of this false debt from my records. It is crucial to rectify this issue swiftly to protect my financial integrity and prevent any further harm to my credit history. I will continue to monitor my credit reports closely to ensure that this erroneous debt is completely removed, and I can regain control of my financial well-being.
Consumer complaint received 2024-04-22
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$170.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance Owed : {$180.00} XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$990.00}
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I trust this letter finds you well. I recently reviewed the updated copy of my credit report and noticed errors and discrepancies in the information furnished by your agency. 

In light of this, I am planning to apply for a new credit line. However, I am concerned that the presence of this inaccurate information may lead to a denial of my application. Therefore, I am reaching out to request the prompt removal of these invalid items from my credit file. 

*Please see letters for the negative items.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report is showing a number of errors and it is causing me a lot of unnecessary stress. I desperately need to find a new place to live and these inaccuracies are making it impossible to find a place where I will be approved. If I can not find a new place to live soon I am going to be homeless. I insist these inaccuracies be removed at once as it is a violation of my rights and is having a dire effect on my life.
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NJ)

I have repeatedly called and messaged Mohela in their portal concerning 4 stolen refund checks for the past 8+ months dating back to XX/XX/2022. When I manage to actually get a response I am just told that they are investigating but there is never progress for nearly a year at this point. I am requesting that Mohela reissues the checks that I have repeatedly specified were not cashed by myself ( or reissues payment via electronic deposit ) and properly report these stolen checks so that whichever financial institution cashed these stolen checks can investigate as this is bank/check/mail fraud.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/, I filed a dispute with American Express related to an incorrect charge. I was significantly overcharged by XXXX for a car rental ( in which the car broke down and I was without transportation for several days ) and provided extensive documentation to American Express ( including my original XXXX contract, copies of my communication with XXXX, and photographic evidence ). I did not even dispute the entire amount, simply the amount I was overcharged. ( The charge on my card was XXXXXXXX XXXX XXXX  I asked for a refund of XXXX euro. ) On XX/XX/XXXX I received a letter from American Express, written in broken English, saying that my dispute was denied. They provided no meaningful explanation and the only supporting documentation they sent was an invoice from XXXX with incorrect charge amounts, and a copy of a pre-rental damage inspection report ( XXXX is not claiming that I damaged the car ). 

I called American Express back on XXXX  and spoke to a representative who agreed that the dispute did not seem to have been resolved correctly and offered to re-open the dispute. 

I received a follow-up letter on XX/XX/, stating ( again in broken XXXX ) that my dispute was again denied. They again provided no meaningful explanation and simply included the same supporting documentation from XXXX that was nonresponsive to the dispute. 

I called again on XXXX to ask for further explanation of why the dispute was denied. The representative stated that there was no point in further pursuing the dispute as XXXX already had the money and there was no way American Express could get it back.
Consumer complaint received 2023-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

Found out about this fraudulent charg, {$550.00}, from Experian credit reporting agency and have made 2 calls to XXXX XXXX XXXX. Left my name and phone number, along with the XXXX account number. Have not received a call back concerning this claim and have disputed the {$550.00} claim at Experian.
Consumer complaint received 2023-12-21
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. (GA)

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 XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : 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 2023-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

This is the second time I notice this fraudulent account coming from LVNV, after looking into the alleged best in all three credit reporting agencies XXXX, XXXX, and XXXX I then forward to dispute this alleged debt with LVNV. I sent LVNV a letter of dispute on XX/XX/2023 and did not get any response. So I sent a second letter on XX/XX/2023 and I did not get a response either. Furthermore there are XXXX other collection agencies collection on the some alleged debt. The companies attempting to collect on a debt that I do not owe are XXXX XXXX XXXX and XXXX XXXX XXXX. LVNV did NOT send me lawful validation of this alleged debt pursuant to 12 CFR 1006.34 - Notice for validation of debts, or 15 U.S. Code 1692g - Validation of debts. 
This is the second time I dealt with LVNV and never responded to my dispute letters of Validation of debt. 
XXXX XXXX found LVNV in violation of Identity theft for obtaining my information under false pretense and furnishing without having permissible purpose of the consumer. I will provide documents that support my claim. 
Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about, which XXXX XXXX XXXX continues to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

These are the violations of Consumer LAWS
Consumer complaint received 2023-12-28
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: LEXISNEXIS (CA)

I HAVE PREVIOUSLY DISPUTED WITH LEXISNEXIS ( PUBLIC RECORD XXXX XXXX XXXX XXXX XXXX XXXXXXXX WITH LEXISNEXIS, AND IN RESPONSE, THEY VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2023-04-17
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: W&A Intermediate Co., LLC (IL)

On XX/XX/2023, I submitted complaint number XXXX involving Choice Recovery aka Wakefield & Associates XXXX I received an email from CFPB on XX/XX/2023, stating the company has yet to respond to my complaint. On XX/XX/2023, I received an additional email stating that the company this now investigating my complaint and I should have the issue resolved within 60 days from my original complaint which was XX/XX/2023. On XX/XX/2023, I received a notification that Wakefield & Associates had yet again reported a derogatory mark on my credit reports. Then shortly after I received a letter in the mail requesting me to settle with them. 

My question is if this account was being investigated why and how could the company still destroy my credit and then try to get me to send them money? What part of the investigation is this? The company never addressed the issue at hand about violating my rights. Under { 15U.S.C. 1681e } Nor was the issue addressed regarding the company adding additional fees to the balance. In order for fees to be assessed the company must receive permission from the courts to do so. The company has exceeded the allotted time to respond. Which is 60 days from the filing of my original complaint. Meanwhile, I'm unable to receive approval for a mortgage because this has been lingering for two months. How can this be? CFPB is here to protect consumers from these deceptive practices. This is a XXXX of injustice to further allow this company to violate these laws.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. 

XXXX XXXX XX/XX/202XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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 2023-12-21
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. Or 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 2023-06-11
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. (CA)

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2024-04-22
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX