davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX located in XXXX, MD XXXX, the vehicle was financed through Prestige Financial Services located in XXXX XXXX XXXX UT. The dealership took my XXXX XXXX XXXX as a trade in and gave me {$6000.00} minus {$2200.00} ( {$3700.00} remaining ) which was paid to the lien holder of the XXXX XXXX and the rest was applied towards the downpayment for the above mentioned vehicle and also asked for an additional {$1800.00} in cash which was paid and applied to the downpayment. {$5500.00} was applied as my downpayment. On XX/XX/XXXX I sent XXXX XXXX a Right of Rescission Affidavit made in Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions. I also notified them that I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. Code 1602 ( i ). Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me which put XXXX XXXX in direct violation of the law. XXXX XXXX also accepted a CASH downpayment of {$1800.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction.
Consumer complaint received 2017-07-26
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. (TX)

Please be advised on XXXX XXXX, 2017 Equifax generated a dispute investigation result which holds a negative account with XXXX XXXX on my credit report and I have NEVER held an account with XXXX XXXX. I have called XXXX XXXX twice and it has been verified that I hold no record with XXXX XXXX. There is nothing in XXXX XXXX XXXX file with my social security number nor my name based on the information I received from XXXX XXXX directly. EQUIFAX sent me a file dated XXXX XXXX, 2017 stating that XXXX XXXX " verified this item is being reported correctly. This is my third dispute on this matter. At this point I not only want this removed from my credit report but I I also want to know what punitive damages are available to me and how I can move forward.
Either XXXX XXXX is violating federal law right now by verifying false information. Or EQUIFAX is violating federal law by conducting false investigations and fraudulent reports. I strongly believe that Equifax did not conduct an investigation on the matter at all.
I am also contacting the Attorney General 's office concerning this matter.
Consumer complaint received 2024-03-03
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. (CA)

XX/XX/2024 a fraudulent account reported on all 3 credit reports that I had no knowledge of. Im a victim of identity theft and Im submitting the documents to have all accounts blocked off my credit reports and also stop XXXX XXXX XXXX  for attempting to collect a debt
Consumer complaint received 2023-04-09
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. (WA)

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained Through personal interviews with neighbors friends or associates of the consumer reported on are with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation? According to the law every piece of information reported on all accounts is supposed to be investigated, verified and 100 % accurate, after sending certified request to conduct proper investigation and remove inaccurate accounts they are still reporting these accounts as 100 % accurate, and according to the FRCA 15 USC 1681 everything has to be a 100 % accurate I have the credit report Showing the inaccuracies still reported.
Consumer complaint received 2023-04-09
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries XXXX  XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX ( XX/XX/2022 )
Consumer complaint received 2023-05-26
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. (MI)

My roommate did not pay his half of the rent. I paid what I owed. XXXX XXXX XXXX said that I would not have to worry about this and they would put the collection on XXXX XXXXXXXX XXXX  account. I have attached evidence.
Consumer complaint received 2023-04-09
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. (OH)

i have on numerous occasions contacted the 3 credit bureaus to delete these items which they refused to they have violated laws that i have listed below and because of this they have to delete these items immediately : 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. 

accounts to delete immediately : XXXX-acct # XXXX, XXXX-acct # XXXX, XXXX XXXXXXXX XXXX-acct XXXX XXXX XXXX XXXX XXXXacct XXXX XXXX XXXX-acct XXXX XXXX XXXXXXXX XXXX XXXXacct # XXXXXXXX XXXX XXXX-acct # XXXXacct # XXXX addresses to delete- XXXX XXXX XXXX XXXX, oh XXXX, XXXX XXXX XXXX XXXX XXXX ohio XXXX
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (WA)

unable to retrieve my files. They constantly told me they didn't accept my identifications despite the fact that I am not a US resident and I do not possess any US-issued IDs They never attempted to reach out to me to ask for another supplementary IDs. Always a canned response no disclosure.
Consumer complaint received 2018-03-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

On XX/XX/XXXX we started a loan Modification with XXXX but on XXXX of that year we received a letter that they sold our Mortgage to Caliber Home Loans. Caliber started with the loan modification process and we received a letter that we were approved and we will start paying XXXX beginning XX/XX/XXXX. So we paid that amount until XX/XX/XXXX. 
They raised the payment to XXXX on XX/XX/XXXX and XX/XX/XXXX they went back down to XXXX. Our new bill for XX/XX/XXXX is XXXX because they are charging an escrow of XXXX. 
Another issue is that our remaining balance of the mortgage is {$23000.00} and has not change at all, I wonder where is the money we paid since XX/XX/XXXX. 
What we did not know as well was that we were paying an interest rate of 8.000 %. 
We understand that a loan modification interest is no more than 4 % so I really don't understand why we are paying such high interest rate. 
we tried to speak with Caliber Customer service regarding this issue and all they say is " we have to investigate '' never a straight answer.
Consumer complaint received 2024-03-25
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)

Months ago, I sent a letter to the three credit bureaus asking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete this immediately : XXXX XXXXXXXX
Consumer complaint received 2020-12-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CA)

I have reached out to Hyundai Motor Finance Account # XXXX to question some information which is reporting they have failed to respond to my request. I have some inaccurate reporting to which I would like Hyundai to provide me with the correct data to ensure accurate data is reporting. 
1. Date of last payment 2. Date of first delinquency 3. Payment status I also requested the end of lease letter and payment history starting in XXXX XXXX XX/XX/2020.
Consumer complaint received 2020-07-27
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. (TX)

FTC Violations Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX {$560.00}
Consumer complaint received 2024-03-25
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-09
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. (NY)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602A states that I have the right to privacy.

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

15 USC 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 USC 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 2023-04-09
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. (IN)

In accordance with the Fair Credit Report Act XXXX XXXX, XXXX 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.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2023-04-09
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. (CA)

USC 1681 Section 602a, states that I have the right to privacy. 
XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
15 USC 1681 sec. 604a sec.2 : It also says a Consumer Reporting Agency can not furnish my account without my written instruction.

15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Any other adverse item of information, other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681c 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 2023-02-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

To Whom It May Concern : My name is XXXX XXXX I currently have a mortgage loan with Wells Fargo, due to XXXX I missed some of the mortgage during XXXX and XXXX. Wells Fargo re adjust my loan move the payments to be made at the end of the current schedule mortgage payments and refinance. I want to see if everything in my loan is ok, if I didn't got extra charge and if I did I would like to know if I qualified for the current law suit that Wells Fargo has.
Consumer complaint received 2024-03-25
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. (CA)

I am reaching out regarding the recent notice I received from your company. Your organization claims there is an outstanding debt, but I have no memory of owing any payments or dues to your entity. 

In accordance with the Fair Debt Collection Practices Act, I am requesting validation of the debt along with essential information before any further action is taken regarding payments. I am willing to fulfill the obligation under one condition : if you can furnish the following details pertaining to the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

It is crucial to note that I have already notified other bureaus about these accounts, resulting in their removal from their records due to identified errors. I find it perplexing that your organization has verified these accounts despite their removal by other bureaus. Hence, I am formally requesting the deletion of these inaccurate, erroneous, incomplete, or unverifiable accounts from my file. 

As the affected party, I am bewildered by the apparent disregard for legal compliance exhibited by your organization. Other bureaus have promptly acted upon my requests, leaving me puzzled as to why yours seems to be an exception. 

I kindly request a response to this letter within 30 days of receipt. Failure to do so will be interpreted as an acknowledgment of my dispute, and I expect the mentioned accounts to be promptly removed from your records.
Consumer complaint received 2023-01-02
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit reporting act XXXX several accounts have 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-25
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)

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
Consumer complaint received 2023-04-09
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. (NY)

I am trying to buy a car and I have requested to remove the freeze or Alert from my credit report. I have requested that my freeze be removed permanently for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all security freezes at once.
Consumer complaint received 2023-02-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLIANT CREDIT UNION (NC)

On Sunday XX/XX/2023, I logged into my on line account with Alliant Credit Union, Member care center : XXXX Corporate offices : ( Not open to the public. No branches or ATMs. ) XXXX XXXX XXXX XXXX, XXXX, IL XXXX When I log in, an access code is sent to my phone. I did not receive the text, and per the message online, I tried numerous times. I was then locked out of my account and called customer service ( in the XXXX  of XXXX ), only to be told that the XXXX XXXX department would not be in till XXXX am on XXXX.I called Monday morning, was told there was nothing they could do, and it would take XXXX for the XXXX department to respond. Fast forward XXXX hours + to today, was just told again that I am unable to access my account, and they could not give me access and another " ticket has been sent to IT and hopefully by Friday they will have an answer. I have over {$120000.00} in XXXX 's with Alliant and this is an outrage that I have no access to my account, and it's been 4 days without an answer/correction to allow me to do so..
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (NV)

They called on XX/XX/XXXX @ XXXX ( PST ) They called on XX/XX/XXXX @ XXXX ( PST ) They called XX/XX/XXXX @ XXXX ( PST ) I asked them to identify themselves if they are a collection agency, they refuse EVERY TIME. 
They request for me to submit my SS #, DOB, and address before continuing to answer my questions. They respond by saying that they have a serious business matter to discuss. 
I tell them that I NEVER give my personal info over the phone, and I tell them that I NEVER WISH TO BE CONTACTED BY PHONE by their company ever again. I also mention that I am registered under the National Do-Not-Call Registry, and they laugh and continue to ask my personal information. 
Either way, they are either violating the FDCPA or CFPB regs. Please help with this harassment.