davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
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. (LA)

I've contacted Experian, XXXX, in regard to incorrect fraudulent information that they're reporting to my credit profile. Both companies have not responded to my request of removing this fraudulent information. 

Acount # XXXX Creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America opened an account in my name without my consent or request. Since about XX/XX/1922 I have been receiving monthly bank statements in my name that contain no balance but includes a service fee of {$4.00} per month. I have not approached the bank about this because I understand this is an illegal practice as per the XXXX XXXX fraud case years ago. I do not have any personal accounts with Bank of America but my company does have a business account with them.
Consumer complaint received 2023-10-03
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. (MI)

I have been a victim of identity theft and my disputes are not being processed correctly. The paperwork I'm sending in is not being attached to my disputes and are not being followed according to the FCRA. And I am not getting copies of the verification process
Consumer complaint received 2023-10-03
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. (TN)

I have no idea who these accounts belong to. I have sent letters to dispute but all I keep getting is stall letters or the credit bureaus not properly investigating. 

XXXXXXXX XXXX Acc # XXXX XXXX XXXX Acc XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX  Acc # XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX theft Account number XXXX XXXX identity theft Account number XXXX XXXX Identity theft Account number XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (MD)

I contacted Bridgecrest about my payments being applied in a misappropriate manner. Bridgecrest does not apply any overpayment money to the principal balance. My vehicle loan is less than {$490.00} / month. I typically pay {$700.00} and want the remaining {$200.00} to go to the principal balance. The automatic payment system makes this impossible. I have to contact an employee at Bridgecrest to have the {$200.00} go toward the balance. I was informed that this was because " ... if I ever missed a payment. '' I believe Bridgecrest is mishandling payments and causing me to pay additional interest on my vehicle loan. I was able to get Bridgecrest to apply 6 months of the {$200.00} to the loan principal balance, but they can not apply any payments over 6 months to the principal balance according to Bridgecrest.
Consumer complaint received 2023-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

The above Case # XXXX number is depriving me of inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. 
According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated, I contacted the agency and no response, this has affected my way of living, been placed on my credit profile and according to the FCRA section 607 ( a ) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 15 U.S.C. 1681e ( a ). 13. 15 U.S.C
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

I filed a dispute in XXXX, they did not take the additional charge off off the account reporting history the account was closed in 2018. It can not be charged off after it's been closed from my understanding and it definitely can't be charged off more than once. Then I filed two separate disputes and XXXX one of the disputes added 30 additional charge-offs after the account was closed for the same account in the same Credit Reporting Agency which is Experian this has not happened with any other credit reporting agency only Experian
Consumer complaint received 2023-11-12
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. (CA)

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) XXXX XXXX Account XXXX XXXXXXXX ( a ) ( 1 ) ( a ) XXXX is reporting duplicate account entries. 1575 1681s2. Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2022-12-09
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am applying for a consumer ( home equity loan ) and my lender is unable to obtain my credit report or scores. I have tried to remove any " freeze '' on my credit reports but the reporting agencies reflect I do not have a " freeze '' in place.

PROBLEM : I can not remove a freeze nor can the lender access my credit report.

I have made the loan application and have three days to resolve the access issues.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On my consumer report XXXX reports XXXX DEPT SOC. SVC. CHILD SUPPORT is inaccurate and incomplete. 
I sent a certified letter ( attached below ) for information pertaining to this account and I was told over the phone that this case has been is closed for a long period of time and there was no way of retrieving this information. I also called this office several times only to be told that this is not them reporting this info it is the credit agencies. That I should go to the court house and request my information from the courts even though this account has been closed for years. Also they have confirmed that my case has been closed for many years. The error on my report shows many discrepancies and there are no amounts to reflect any past payment history, such as late payments or missed payments etc. Attached is the latest info from XXXX about an horrible investigation never performed to verify a inaccurate reporting of information. Also attached is the Cert, Letter I sent to them.
Consumer complaint received 2023-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

on XXXX XXXX, saw a XXXX 2014 on sale for {$19000.00}. Made contact and person was representing his Aunt and directed us to XXXX and XXXX XXXX XXXX at XXXX. We communicated with the seller, XXXX and decided to purchase she had turned the sale over to XXXX XXXX at that time we were directed to wire transfer {>= $1,000,000} from our bank XXXX to Wells Fargo to the account as follows : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. Auto Credit Corporation (GA)

XXXX. Georgia Fair Business Practice Act : - XXXX XXXX did not disclose to XXXX XXXX XXXX XXXX planned to sell the car finance contract to a third party, US Auto Credit XXXX 
- This lack of disclosure may violate the Georgia Fair Business Practice Act which prohibits businesses from engaging in deceptive or unfair practices in business transactions. 
- XXXX XXXX may be in violation of this law if they did not disclose to XXXX XXXX their intention to sell the contract to US Auto Credit .

2. Georgia Uniform Commercial Code ( UCC ) : - US Auto Credit is bound by Article 9 of the Georgia UCC, which governs secured transactions such as car finance contracts. 
- Article 9 of the Georgia UCC requires lenders to provide written notice to the borrower after the sale of the contract, indicating that the contract was sold, to whom it was sold, and how the borrower should make payments. 
- In the scenario you provided, it is not clear if US Auto Credit provided such notice to XXXX XXXX XXXX 
- However, if US Auto Credit did not provide such notice to the borrower, they XXXX be in violation of Article 9 of the Georgia UCC. 
3. Georgia Consumer Protection Act : - XXXX XXXX may have a cause of action under the Georgia Consumer Protection Act if they can prove that XXXX XXXX engaged in deceptive or unfair practices, such as failing to disclose that they planned to sell the car finance contract to a third party.

- The Georgia Consumer Protection Act prohibits businesses from engaging in deceptive or unfair practices in Georgia. 
- In the scenario you provided, it is not clear if XXXX XXXX engaged in such practices. 
- However, if XXXX XXXX XXXX XXXX that XXXX XXXX XXXX kept the sale to US Auto Credit a secret, XXXX XXXX may be in violation of this law.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The account was opened XX/XX/XXXX and closed XX/XX/XXXX. Thats inaccurate because it says last payment date was XX/XX/XXXX. Than my status was update XXXX as a charge off. Shows inaccuracy accords other credit bureau.This inaccurate information falsely manipulates my credit worthiness and hurting my ability to obtain credit. Transunion failed to investigate this account properly after repeatedly asked to have this account updated. Your neglect has once again violated my consumer rights. Im demanding a deletion of the following account XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

* Your name : XXXX XXXX I made a deposit about a XXXX  ago now and the person who owns the account still hasn't received the money. The deposit was made in person at a branch but I can't find the receipt. I've been to the branch XXXX different times now, last one with the recipient of the account and they can't find the money. What are my options? XXXX at the branch almost excorted us out of the branch saying that we're lying. PLEASE HELP! 

* Your preferred contact number : XXXX XXXX XXXX XXXX XXXX XXXX Date of deposit : XX/XX/2023 ( Maybe XXXX? ) * Time of deposit : Around XXXX * Amount of deposit : XXXX * Source of funds ( i.e., cash, cheque, etc. ) : Cash in branch with teller * Full name of account holder : XXXX XXXX - XXXX XXXX XXXX XXXX * Account information provided on the date you visited the branch : Acc Number : XXXX *Branch Location : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC (GA)

I recently viewed my report and i was shocked to learn that i have 2 accounts with this company i had no knowledge of. I have been a victim of identity theft. I have found numerous accounts on my credit report that were not open by me. These items has been hurting my credit because Im in the process of buying a home for my family. Please remove these fraudulent items from my credit report as soon as possible. 
ACCOUNT 1 : AMOUNT {$1100.00} ORIGINAL CREDITOR ; XXXX XXXX XXXX XXXX ACCOUNT 2 : AMOUNT {$750.00} ORIGINAL CRED : XXXX XXXX XXXX XXXX I HAVE ASKED THEM TO VERIFY INFORMATION AND SIGNATURE MY HAND SIGNATURE ON FILE. AND TO VERIFY I GAVE THEM PERMISSION TO HAVE MY INFORMATION
Consumer complaint received 2023-09-12
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)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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



XXXX XXXX XXXX XXXX XXXX  XXXX IDENTITY THEFT XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX IDENTITY THEFT XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

On XX/XX/XXXX I submitted an IBR application thru FSA in order to have my REPAYE plan updated to the SAVE plan. According to FSA, my new monthly total was to be XXXX. On Mohela 's website on my account, the IBR was approved on XX/XX/XXXX. This reflected accurately on my account for a few weeks. I received a confirmation correspondence from Mohela dated XX/XX/XXXX confirming New Monthly Payment Amount of XXXX. One day, randomly, my account total changed to {$610.00}. I made 3 calls and sent multiple written correspondences to Mohela to change this total back to the approved amount of XXXX. I have yet to receive any return communication about this. On XX/XX/XXXX I reached out again regarding the payment amount. Call to Mohela and initially I spoke with XXXX (? ) who states on the phone that the monthly payment on their end is reflected as XXXX. I was then transferred to XXXX, an advance payment specialist. She reports to me that a new letter from Mohela was generated with a total of XXXX and sends a copy of this to my documents on my account. This letter was sent on XX/XX/XXXX at XXXX. THIS IS THE FIRST TIME I HAVE RECEIVED/SEEN THIS DOCUMENT. The letter was dated XX/XX/XXXX. I asked XXXX where this total is coming from and she reports that it is most likely due to my income tax. I reported to her that I have only filled out ONE IBR application and was approved for XXXX. We went through the self attestation questions again and sure enough, I was projected to pay XXXX per month. I am assuming the difference in XXXX to XXXX was because I guesstimated my annual income whereas the application with FSA pulled directly from my tax return. XXXX placed me on hold and verbally confirmed that the XXXX is a SYSTEM ERROR and has resubmitted to have my total return to XXXX. XXXX states that I need to wait 7-10 business days for this to reflect to my account. On XX/XX/XXXX I resubmitted the IDR directly through Mohela 's Repayment Calculator Repayment Plan Evaluator. On page 6 of 12 of this application documents, the payment is projected to be {$300.00} ( which is on par for what FSA approved me for ). I have since sent further communications to Mohela with not a single return communication to date. 
I have 13 months left of my PSLF and I want to start paying this down immediately. I want my payment through the SAVE plan to be accurately reflected on my account through Mohela. I have filed complaints with FSA, the FSA ombudsman, the WA State Attorney General 's office, PPSL, and FTC. 

**note- dates on attached document are incorrect. I applied for IDR on XX/XX/XXXX and approved XX/XX/XXXX ( not XX/XX/XXXX and XX/XX/XXXX. I wrote the wrong dates on my attached documents )