davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
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. (FL)

Upon review of your inaccurate and invalid response to the Consumer Financial Protection Bureau ( CFPB ), this shall serve as the final submission to the CFPB in an effort to address the aforementioned matter. Failure to rectify this issue will necessitate the initiation of arbitration proceedings against your company for proper resolution. The original contract, executed face-to-face with the finance manager at XXXX XXXX XXXX, stipulated a term of ( 60 months ), as indicated in the documentation. The contract, which you omitted from your response to the CFPB complaint, is presently in my possession and was revised subsequent to the CFPB 's litigation against XXXX XXXX XXXX. It is acknowledged that your business transactions occur through a privately-owned dealership. However, it is imperative to recognize that the dealership operates under your purview, and adherence to the provisions of the Truth in Lending Act is obligatory. Regrettably, the dealership failed to comply with these guidelines, and your attempt to obfuscate their errors via the dispatch of generic correspondence is evident. Furthermore, despite notifying the representative of the True Lending Act violation and requesting the retrieval of the vehicle, no action was taken until several days later, when I personally contacted the dealership and requested the intervention of a supervisor. Despite informing them that the vehicle was not in use, they insisted on scheduling a pickup, contrary to the stipulations of the True Lending Act. On XX/XX/2024, we dispatched documentation directly to your company along with our request. Your response, acknowledging " identity theft, '' is both erroneous and inadequate, as there has been no occurrence of identity theft. Enclosed herewith is the pertinent correspondence for your review. I hereby demand that all credit reporting activities concerning this matter be suspended until a resolution is reached either through the CFPB or via direct arbitration, per your preference. This communication shall serve as a record for future reference in the event that arbitration proceedings become necessary.
Consumer complaint received 2024-03-30
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : A consumer reporting agency can not furnish an 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 2023-12-27
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: EQUIFAX, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX XXXX XXXX  opened XX/XX/XXXXXXXX  balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXXXXXX  balance XXXX $ Unauthorized addresses XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX, XXXX, mi XXXX
Consumer complaint received 2021-07-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (FL)

I sent a debt validation letter to State Collection Services Inc. at beginning of XX/XX/2021. State Collection Services IncXXXX failed to validate my debt. Instead on XX/XX/2021 they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never sign a HIPPA Form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery keeps calling me after I have told them to stop calling me They have been calling me up to 10 times a day since 2020 and are still calling even in the evening time up until XXXX XXXX
Consumer complaint received 2024-03-30
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. (NY)

Account Name : XXXX XXXX Account Numbers : XXXX XXXX XXXX XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Lastly, pursuant to 18 U.S.C. 894, whoever knowingly uses or conspires to use extortionate means in the collection of any extension of credit or punishment for the non-payment thereof may be imprisoned by up to 20 years.
Consumer complaint received 2023-12-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Transform Credit Inc. (GA)

I have taken a loan from Transform credit on XX/XX/XXXX in the amount of {$3200.00} With 24 monthly payments of {$190.00}. There is option to pay weekly of {$44.00} or biweekly of {$88.00}. 
I have over the course of the loan tried both weekly and biweekly payments based on how i can afford the loan. My observation is that which ever payment methods i have chosen Transform credit seem to be collecting more than they should and also from from guarantor at the same time. I have reach out to them for an explanation of the loan as i have receive messages stating that we are ahead of schedule payments, and owe nothing until XX/XX/XXXX, then received notice from Transform credit days later accusing us of owing {$88.00} that is 12 days past due and that our paycheck and any assets we own will be confiscated. The last time we spoke to some called XXXX in XXXX and explained to him that we received the notice we didn't owe anything until XX/XX/XXXX. He responded that it was an error on their part and we should ignore it. 
I then asked for time to pay the sum of {$170.00} that he said we are owing on the XXXX of XXXX and then the regular payment of {$190.00} on the XXXX of XX/XX/XXXX. 
He replied that i have to make payments before then even though the information we received was an error on their end. 
Since then we have been receiving threatening emails of litigation, seizing assets and reporting to credit bureau. 
I believe for 12 days overdue on a loan this is not appropriate for any customer, and that Transform credit is abusing their customers.

We are very stressed from this loan company and need help to reach a suitable agreement with them s
Consumer complaint received 2023-12-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Fig Tech Inc. (TX)

Fig - Your recent credit inquiry XXXX I never applied for a loan with your company. I have submitted a FBI IC3 complaint, a complaint with the CFPB, the FTC and will be contacting the XXXX Police Department later today. I received an email from you earlier this week and I unsubscribed. I will also be filing a complaint with the XXXX  and posting this message to any social media you have. Stop contacting me .... anyone who applied for a loan in my name has committed fraud. 

XXXX XXXX quoted text
Consumer complaint received 2023-12-27
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-30
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. (SC)

Under the FTC, and privacy act I have to a right to opt out of creditworthiness or other personal characteristics that is being shared. If any company shares credit score or details about a purchase. I have a right to say no about sharing. This is a defamation to my character.
Consumer complaint received 2023-12-27
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In regard of XXXX, XXXX, and TRANSUNION, I was never informed by any means nor sent a notification that I agreed upon verbally or gave written consent that XXXX, XXXX, AND TRANSUNION can share my Consumer report with any person, third-party creditor my consumer report is supposed to be protected by consumer reporting bureaus. therefore FRCA 15 U.S.C s 1681 has been violated.
Consumer complaint received 2022-12-20
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo fraud department failed to protect our business checking account from a fraudulent transaction made on XX/XX/. It was a XXXX XXXX XXXX bill in the amount of {$180.00}. We immediately reported this to the Wells Fargo fraud department. A couple of weeks later, we received a letter saying that they completed their research and declared our case closed resulting in Wells Fargo not restoring the {$180.00} back into our account. We called them back to dispute this decision. They informed us that someone in their customer care department lumped the XXXX dollar transaction with a XXXX transaction and other transactions which we did not dispute. So since the other transactions were legitimately made by us, they closed the case. We think it was wrong for Wells Fargo to combine the legitimate transactions with the one fraudulent transaction in considering the resolution of our account. It makes no sense to combine these transactions. Its not like I paid or anyone could pay XXXX XXXX XXXX XXXX at the same time with one swipe of my card. We only disputed the 1 XXXX XXXX bill. This is beyond our control. The Wells Fargo fraud department and their customer care department have worked together against us.
Consumer complaint received 2022-12-20
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)

I called the XXXX after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (ID)

XX/XX/XXXX - I deposited a paper check from the Idaho State Tax Commission ( tax refund ) in the amount of {$1300.00} via mobile banking app for Wells Fargo Bank. Immediately after, I received a confirmation number stating funds would be available next business day on XX/XX/XXXX. 
XX/XX/XXXX - I received notice that all funds for this deposit are now being held until XX/XX/XXXX with reason given : contact maker of check. 
I called Wells Fargo Bank, spoke with customer service and they transfered me to Loss and Prevention - I spoke with XXXX, who was very rude and told me that the bank of the check issuer ( XXXX XXXX  ) notified Wells Fargo not to pay these funds and there is nothing he can do about it. 
XX/XX/XXXX - went to local wells fargo branch, was told to sit in lobby and wait for a banker-wait time " unknown ''. i was not able to stay past the 30 minutes I was there waiting, so I called customer service again - only to be told nothing can be done and that I need to contact the maker of the check. I called Idaho State TAx Commission and they looked up my information and said everything was fine on their end- they do not put holds on checks and that my bank is lying to me. 
I called Wells Fargo Customer Service AGAIN and spoke with 2 more people who also told me there is nothing that can be done and I will just need to wait until the XXXX for my funds to be released.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX ( XXXX ) collection has been paid. The XXXX collection of {$230.00} was placed as a mistake due to an alleged balance after account has been Closed and Paid off in 2021. Matter has been settled with XXXX and balance paid {$60.00} ( confirmation # XXXX ) but XXXX collection is still showing on 3 credit bureaus bringing my credit significantly lower. Urgent! I am in a process of obtaining a Mortgage. This record is a HOLD up for getting the loan. I am asking to delete derogatory information from all Credit reports ASAP. Thank you for understanding and consideration of the seriousness of the situation
Consumer complaint received 2024-03-30
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. (OR)

This company has now added that XXXX XXXX fraudulent account to my report to reflect it as closed. This is a violation of federal law and my consumer rights. It has already been verified as fraudulent and they still reported it. I will be pursuing legal action. They are affecting my report negatively and intentionally. They already known this was a fraudulent account. We have it in writing. Im contacting arbitration to pursue legal action if this is not REMOVED IMMEDIATELY! 
They are showing an account that I have never opened on my report as closed and it was formulated from identity theft/ Fraud. How negligent can one be with something as precious, private, and valuable as someones consumer report!
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated or corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (PA)

I ask the credit bureaus to do a verification on my credit report which they did and said everything was accurate. I also did thorough research myself and found improper information on my report after the credit bureaus did their thorough research. Below you will find the Account name and account number. XXXX XXXX. In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NC)

I worked full-time ( >40 hours/week ) as a XXXX for a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Because I was enrolled in graduate school in the evenings, I was placed in " in school XXXX '' and these two years are therefore not eligible for PSLF even though I was working full-time for a XXXX XXXX XXXX. I have requested that my loan be changed to " administrative forebearance '' so that I may qualify for PSLF for the months that I was working full-time as a XXXX. I do not believe that being enrolled in school at night should exclude individuals from qualifying for PSLF when they were working full-time.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC (TN)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2023-01-24
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. (FL)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX  XXXX XXXX XXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Regarding erroneous information reported on my credit report, I filed disputes with XXXX, Equifax, and XXXX. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 30 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ).

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. when the most recent payment date ought to be displayed.

The FTC believes that this company has consistently violated FDCPA 809b by failing to validate this collection account.