davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  : {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX  {$8500.00} XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
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. (FL)

XXXX, TransUnion, and XXXX are obligated by the FRCA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said company had 4  days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, TransUnion, and XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, TransUnion, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used signed application with consumer wet ink signature. Consumer is not asking for an e-oscar report, if XXXX, TransUnion, and XXXX do not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB forms to audit consumers account. XXXX, TransUnion, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
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 
Transunion Commission file number. XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. Trans Union LLC, TransUnion Interactive , Inc. ( collectively, the TU Entities ). TransUnion Rental Screening Solutions , Inc. ( TURSS ). TransUnion Intermediate Holdings , Inc., Verisk Financial Services ( VF ) XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( collectively, XXXX ) for the dates associated with identity before being sold.
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-09-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (OK)

Debit collector : Credit Acceptance Corp. 
XX/XX/2019 is when this account was opened without my knowledge. I do have an identity theft fraud report. was not aware of this account need help disputing this off my report. in the amount of XXXX dollars. the address for this account is not associated with me or the phone number
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is decreasing my score without any reason or shame, my due date is XXXX and I paid before that it showed a {$240.00} balance and reduced my score The XXXX and the Transunion decreased my score without reason. I'm tired of this wrong report
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (TX)

On XXXX, I acquired a XXXX XXXXXXXX XXXX for personal use in the amount of {$18000.00}. A promissory note was signed and exchanged with Ally Financial for the vehicle. I was unknowingly ushered into an investment with Ally Finacial, then coerced into pledging my labor and vehicle as collateral under the threat of repossession if I did not comply. Ally Financial misrepresented themselves as " lenders '' in this transaction. I have never received a loan from Ally Financial. As a result, I have been defrauded {$15000.00}. On XXXX, Ally Finacial sent a text message threatening to repossess my vehicle. These abusive tactics have caused harm and anguish, as it appears I have been subjected to peonage by Ally Financial. It is my understanding that under a wagering monetary contract, after 3 years the bonds must be broken by the Comptroller of Currency. Ally Financial has deprived me of my labor for 6-years and now threatening to deprive me of my property without due process.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm XXXX and I have never had a XXXX card. I have repeatedly disputed this account and XXXX keeps " verifying '' it. Additionally, XXXX is not allowing me to opt-out of third party sharing. That's a violation of US privacy law. I want to opt out every way possible.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (TX)

Dear CFPB, This letter is a complaint regarding the Wells Fargo Bank XXXX XXXX XXXX 's negative handling and lack of response to disputes between customers and merchants, where they simply collect salaries without performing their duties. 

Recently, I made a purchase from a merchant on XXXX. The seller claimed to offer free returns and a 75-day buying protection. However, when I tried to return the item a month later, I discovered that the seller did not honor their guarantee of free returns and even refused to accept the return. I have already filed a complaint with the XXXX, but XXXX has never responded to any of the consumer complaints and continues to conduct business in the United States. 

Frustrated by this situation, I had to initiate a dispute. However, during the process, I found that my bank was handling my dispute in a passive manner. They readily refunded for inexpensive items but claimed to have filed a case for larger amounts after I provided details over the phone. 

After waiting for several weeks without receiving a claim ID email, I made two phone calls to inquire about my ID. Surprisingly, the bank informed me that they were unable to provide a claim ID. I asked them how I would know if they had completed the work without a claim ID. During the phone call, I provided all the details I knew when I submitted the dispute, albeit only verbally. The bank 's passive handling involved categorizing these cases as " lack of evidence '' and deliberately disconnecting calls, stalling the process until I asked again, only to be told they couldn't provide an ID. It seems that this bank employs these complex and burdensome tactics to discourage new immigrants from pursuing disputes, thus reducing their workload. 

If such difficulties arise during the application phase, I seriously doubt their ability to handle my dispute. I request that the authorities exercise oversight and management of banks, preventing them from resorting to such unethical practices of reducing their workload by exploiting language barriers faced by new immigrants while still collecting fees without fulfilling their responsibilities. 

Sincerely, XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I reported an identity theft back in XXXX since then I noticed a charge off on my credit for a vehicle not purchased or authorized by me. I have filed several reports with all three credit bureaus to have this derogatory account removed and to date in XXXX they still have refused to remove this account. I am once again asking that this account be removed from my credit report on all three bureaus it has been investigated as an identity theft I have attached police reports as well as other identity theft reports. I need for this to be removed immediately in the interest of my job. I can not have derogatory marks of any kind on my credit. 

The name of the Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I also have several incorrect spelling of my name names that I've never used and addresses that are incorrect that I am also listing below. The addresses and names listed below are incorrect, and should be removed from my credit report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2023-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Discrepancy in Credit Report - Request for Resolution Dear CFPB I am writing to dispute an erroneous entry on my credit report that is negatively impacting my credit score. The inaccurate information in question is related to debt on my account, and is associated with RESURGENT/LVNV FUNDING. 

Account # : XXXX Bal {$700.00} Date : XX/XX/XXXX Account # : XXXX Bal {$1700.00} Date : XX/XX/XXXX I have thoroughly reviewed my credit report, and I can confirm that this item is not mine. I have never had any financial dealings or accounts with RESURGENT/LVNV FUNDING, and I have consistently maintained a responsible financial history. The appearance of this item on my credit report has caused considerable distress and potential harm to my creditworthiness. 

I have attached a copy of my credit report highlighting the inaccurate entry for your reference. I kindly request that you investigate this matter promptly and take the necessary steps to correct my credit report to reflect the accurate information. This includes removing the erroneous item and updating my credit history accordingly. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. I also request that you notify me in writing of the results of your investigation once it is completed. 

Please be advised that this discrepancy is negatively impacting my ability to secure credit, loans, and financial opportunities, and I trust that you will handle this matter with the utmost urgency and diligence. 

Thank you for your prompt attention to this matter. I can be reached at. should you require any further information or clarification. I look forward to a swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph : XXXX SS # XXXX
Consumer complaint received 2023-06-07
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: Synovus Bank (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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't 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 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-09-06
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-08-24
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. (SC)

After reviewing my credit report on XX/XX/23 I noticed that there are accounts on there that should not be. XXXX WAS PAID free in clear I have my title for that vehicle as well so there should not be any negative remarks. Receivables XXXX XXXX XXXX is reported completely inaccurate this alleged debt has never been verified even after I sent in a request for an investigation over 3 times. The dates don't match and this is causing extreme hardship for me. I don't know much about how this process works but I do know the FCRA demands that you report 100 % accurate information. XXXX XXXX XXXX is another account that was furnished inaccurately and it was deleted from one credit bureau because of its errors but yet XXXX is still reporting it. Your organization is governed by the same federal laws in which if there's errors with one account it shall be removed from all bureaus.
Consumer complaint received 2023-09-27
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED 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
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERIS BANCORP (GA)

Ameris Bank incorrectly reported my mortgage payments as late and I reported to XXXX and sent into XXXX proof of payment from my bak account for all the payments that they claimed were late and it was not removed. I reached out to Ameris and they told me there was nothing they could do. Months I sent proof for included XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Payments in the amount of XXXX $ They did not correct. I asked that they remove it all together from my repost as I sold my home in XXXX and as of XXXX they have not done so.. Legally, they can not report my account to the credit bureau without my written consent and they do not have my written consent, thats 15US C section604a. This credit has violated my rights under 15USCC1681 section602 states I have the right to privacy
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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. (CT)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 2022-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Acquisitions Group (CA)

On XX/XX/2022 Foster and Monroe LLC placed this collection on my credit file, after some research this is what I've come up with.. 

XXXX XXXX XXXX XXXX. 
owing XXXX  was placed on my credit file report, I then called XXXX XXXX XXXX XXXX. and she directed me to the company XXXX XXXX XXXX. As of now i am a XXXX service connected veteran on a fixed income. And I did not apply for this account.. 
as apon reading about the companie and then reading about the defrauding to us mostly military families, them victims fund was set up with CFPB,
Consumer complaint received 2023-11-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (NJ)

As of today XX/XX/XXXX, XXXX the current balance in my account is XXXX but Flagship credit Acceptance have not reported any payment to the credit bureau XXXX The credit report shows my balance to be {$13000.00} and this is inaccurate. 
I filed a dispute with XXXX and flagship claimed to XXXX that what they have reported so far was accurate but to me they said they will get it fix but they have not. 
My credit score is being affected by Flagship negligence.