davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (LA)

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

CFPB 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 : ACCOUNT # XXXX has violated my rights. 

XXXX  XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX : ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-11
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. (FL)

Without my knowledge a 'fraud alert ' was put onto my credit profile. This has made leasing a vehicle and accessing any credit increases very difficult. My bank advised me to contact each reporting bureaus to have my phone number added or to remove the fraud alert from my account. 
Upon trying to contact Transunion on XX/XX/21, the teleprompter took me in circles over and over and over again with no option to remove the fraud alert. I then attempted to use the online chat. The chat representative asked me to hold and never came back therefore timing the chat feature out and closing it. This happened three times. They have made no venue to contact them regarding this matter as you can not speak to a representative and there is no option on their teleprompter. The chat for help feature had the same response each time, 'Please wait a moment while I research this ', and the person never came back. 
This is very frustrating that I am unable to increase any credit limits or get any new credit extended because of the fraud alert that I am unable to remove.
Consumer complaint received 2023-09-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (OH)

On XX/XX/2023 I was In a car accident that resulted in a total loss. I had a title loan from Wilshire consumer credit which reports on my credit as an auto loan which is not correct. I owned this vehicle before getting a loan with Wilshire consumer credit yet they have been reporting this as an auto loan. I spoke to a representative on XX/XX/2023 to let them know I was in the hospital and was in a XXXX XXXX with me and XXXX XXXX children age XXXX and XXXX. And asked if I can have an arrangement set up to pay off remaining balance in XXXX. They refused to accommodate me in any type of way and reported that I was late on this payment in XXXX. This is drastically hurting my credit report and I would like this corrected. I asked if I could push a payment to the end of the loan I was told no even though my contracted stated I could. I asked on XX/XX/2023 if they could removed this late payment from XXXX after I paid the full balance off the title loan In XXXX and they also told me no. However in my portal on their website they are reporting that I paid the vehicle off on XX/XX/2023 and I will attach proof how can I paid this car completely off on this date when my accident was on this date XX/XX/2023 this agency is reporting things fraudulently and inaccurately and has been reporting as an auto loan to my credit when I owned my vehicle outright before getting this loan. They are reporting this fraudulently as this is a title loan not an auto loan for purchase. title loans do not report to consumer reporting agencies and they have been reporting as such. I would like this late payment from XX/XX/2023 removed from my credit report as this is inaccurate information. I would also like this fraudulent auto loan removed from my Consumer report all together as this was a title loan and not an auto loan. As for law 15 u.s.c 1681 this is defamation to my character and Credit report.
Consumer complaint received 2020-07-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BBVA FINANCIAL CORPORATION (TX)

on XX/XX/2020, XX/XX/2020 I called the company several time to have the account removed. Before that I've sent several validation letters only to receive nothing in return. The company is not cooperating l and when i call they constantly send me on the runaround. I cant get any information and then when i do talk to someone they tell me to contact the credit bureaus to have it removed. Each time I dispute it the company says that they verified it, that is not true. They can not produce any paperwork or remove it from my credit file.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am XXXX  XXXX  XXXX XXXX or XXXX XXXX for most of the past decade. 
I am a homeowner in New York, my Home of Record. In XXXX that property was damaged by flooding by Hurricane Sandy. My Mortgage was with XXXX XXXX   but was serviced by XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX Phone XXXX XXXX XXXX. Continues to report negative information on my name to the credit bureau years after the Mortgage company was transferred to the current mortgage company.
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eagle Financial Services, Inc. (OH)

I received a notice that a loan was taken out at Eagle Loan company on XX/XX/2018 in my name in XXXX, Ohio. The Place is listed as Eagle Loan Company XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX. 
The problem is I have never heard of this place or been to any of their locations. 
The signature is not mine. I have not received any notice that a loan for $ XXXX was taken out in my name at any time. 
MY parents have taught me to NEVER go to these places as they are rip off loans. 
If I need money, I can always borrow off my parents. My parents are most helpful. 
This is the 2nd case that my name has been used that I am recently aware of. this appears to be a case of Identity theft. The first case was dismissed.
Consumer complaint received 2023-06-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2023-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

It starts 2020. They taking payment someone account. Also my account. When. Other people find and called me. To stop payment. So I call then. Please refund ther money to ther account and put balance on my account. They put balance on my account. But never returned money to other accounts. Like alo most XXXX. It capital one criedt card.
Consumer complaint received 2020-03-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$22000.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5300.00} -This is not my account.
Consumer complaint received 2023-09-08
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. (IL)

Transunion, XXXX, and XXXX continue to report inaccurate information that is damaging my consumer report. 

DEPTEDXXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-08
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. (OH)

I am currently in the process of trying to buy a home and pulled my credit report and realized there are a lot or fraudulent activities of identity theft on my report. I filed an FTC report to have these removed due to law 15 u.s.c 1681 there should be no damages to my report as this is ann defamation to my character and they have refused to remove these items. Experian, XXXX and XXXX have all Refused to remove these after numerous attempts. The fraud happened in cities and states I have never been to and I would like these removed from my credit report as they do not belong to me. This is hurting me from being able to purchase a home my current home is being sold and without these off my report I do not qualify for a mortgage. After multiple attempts these companies refuse to investigate and remove these from my credit report this is a defamation to my character I have sent these twice to each company and I will upload two separate copies of two separate reports that were made.
Consumer complaint received 2022-12-03
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. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is frustrating for me to continue requesting corrections of this inconsistent information regarding my credit history and account age. I want consistent and accurate information exactly like my consistent and accurate XXXX credit report information. One out of 3 credit bureaus being accurate and consistent is unacceptable. 

My credit history is very important. It tells businesses how I pay my bills. Those businesses then decide if they want to give me a credit card, a job, an apartment, a loan, or insurance etc. 

My account age is considered a medium impact credit score factor as it's not as influential as my payment history or credit utilization, but a higher average account age still positively impacts my credit score. 

Due to the numerous unsuccessful attempts, I have made to have this information corrected and to be consistent I have decided to forward this serious problem to XXXX XXXX XXXX for his assistance in this matter.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NJ)

Hi i have been wrongfully charged for an unknown debt from Discover bank which is in the amount of {$810.00} on the XXXX of XXXX through Mail I received. I have no connection with the said debt and would like to dispute it immediately. Also I request the company desist from sending me Mails or Emails or even Phone calls regarding the so-called debt which is wrongfully in my name. Thank You
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (AZ)

XXXX XXXX  refunded me a check for interest on my account due to SCRA XXXX XXXX military. Whey they refunded the check in the amoun tof {$1800.00} they also added he amount to my balance. When I called they could not explain why the amount was added. I disputed the amount and the letter does not explain why it was added. Please provide an explanation on why you provided me with a refund of the interst that is entitled to me and why you would then add the interest back as a charge? 

My balance increased the month of XXXX or XXXX?
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is 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 2023-09-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (PA)

On XX/XX/2022, XXXX XXXX XXXX billed me {$120.00} for services never rendered after receiving notification that I changed carriers. The phone numbers which XXXX XXXX XXXX attempted to bill me for were wholly owned by XXXX for the entire billing period in dispute ( XX/XX/2022 - XX/XX/2022 ), thus it would be impossible for them to provide the stated services. I was not under any contractual obligation, as I had already paid for all services rendered by XXXX XXXX XXXX through XX/XX/2022. 

I called XXXX XXXX XXXX customer service to dispute the bill upon receipt. Their representative confirmed that I am not under contract, that I owed nothing on any devices, and that the bill was purely for future service dates. I requested the source of legal authority to bill a consumer in advance after they've changed carriers and the XXXX XXXX XXXX representative stated it's their company policy to do so. I refused to pay and informed them that I'm disputing all charges on the bill dated XX/XX/2022. At that point, the representative stated that they'd " settle for {$50.00} ''. I declined, as XXXX XXXX XXXX was clearly attempting to collect money for services that would never be rendered. This is a deceitful and fraudulent collection attempt. I will attach documentation showing that XXXX XXXX XXXX attempted to bill for the same exact period as XXXX, whom the phone numbers and service belonged to for the entire period in question. 

Roughly one year later, I received a derogatory remark on my credit report from each of the three bureaus as reported by Sunrise Collection Agency, whom purchased the fraudulent " debt '' from XXXX XXXX XXXX. After disputing and providing the case details to each bureau, XXXX removed the derogatory remark from my credit report. However, XXXX and XXXX did not. I am contacting the CFPB to have XXXX XXXX XXXX clear the fraudulent balance from my former account with them, have the derogatory remarks removed from my credit report with each bureau, and ensure that Sunrise ( and any other collection agency ) cease and desist all collections and reporting actions against me due to the fraudulent XXXX XXXX XXXX bill.