davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (GA)

XXXX XXXX XXXXXXXX XXXX XXXX VW Credit Inc.  violated the Truth in Lending Act on XX/XX/XXXX with dealer number XXXX contract XXXX, XXXX # XXXX pursuant 15 USC 1605 ( a ) when it required me to make a {$5000.00} down payment on my XXXX VW XXXX. Furthermore, XXXX XXXX XXXXXXXX / VW Credit Inc. was in violation of 15 USC 1605 ( e ) ( 2 ), when it included a {$690.00} documentation fee in the {$27000.00} that it financed in the sale of the Passat. 

In XXXX, VW Credit Inc. repossessed and auctioned the XXXX VW XXXX then charged off the remaining debt which it claims to be {$6600.00} and reported it to all three major credit reporting agencies. As defined by the IRS, a charge-off is considered gross or ordinary income. Income, consequently, does not get reported on a consumer report.

Furthermore, VW Credit Inc. sold the {$6600.00} debt and shared my information with a third party without my permission, a direct violation of the FDCPA. Pursuant 15 USC 1692 ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

VW Credit Inc. is also in violation pursuant 15 USC 1692 ( 608 ) ( 4 ) - The advertisement for sale of any debt to coerce payment of the debt. I contacted VW Credit Inc. and was told that VW Credit Inc. no longer has my records and that a collection company has my information and is now attempting to collect on the charged-off {$6600.00} debt. 

I recently received notice from collection company XXXX XXXX XXXX XXXX of New Jersey. XXXX XXXX on its mail correspondence that, this is an attempt to collect a debt. I note that this alleged debt, allegedly connected with VW Credit Inc., is disputed and validation requested.
Consumer complaint received 2022-04-20
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (DE)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Using my personal identifying information I am able to obtain my credit reports except at TransUnion. The information on their file is not matching what I enter. However, the same information verifies me on the other two bureaus. There is also a misspelling of my name associated with a XXXX XXXX account I have no knowledge of and never received any statements for. Had I received a credit card with the wrong spelling of my first name I would have called the credit card company to correct it. There is no way for me to put a fraud alert on TransUnion and obtain my report from them as I can not create an online account. I can with the other bureaus but TransUnion has information that is not matching my actual personal info.
Consumer complaint received 2022-04-20
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-20
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)

My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-04-20
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-20
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)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

From XXXX, I struggled to repay the loan and I was forced into forbearance. I am a public service worker and have been for 23 years and I am unable to apply for loan forgiveness. I have over {$150000.00} in student loan debt. I will be repaying this loan back for the rest of my life, literally. I owe more in interest than the actually loans.
Consumer complaint received 2017-09-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have now gone past the 30-45 days and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible
Consumer complaint received 2022-04-20
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Dear Equifax, I am writing to address unauthorized transactions appearing on my consumer report, which I did not authorize or instruct to be included. I formally request the blocking and removal of these accounts without any misrepresentation of facts. Below are the specific accounts in question : Account : XXXX XXXX XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Please remove it from my credit report. 

Account : XXXX XXXX XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Please remove it from my credit report. 

Account : XXXX XXXXXXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Please remove it from my credit report. 

It appears that these actions may contravene 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing information solely regarding transactions or experiences between the consumer and the reporting entity. Consequently, Equifax 's inclusion of these reports is in violation of the statute. 

I request that you promptly update my utilization to XXXX XXXX or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Moreover, I demand that you provide all documents supporting the reporting of these accounts, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The inclusion of this information is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I insist on the removal of these accounts from my file within 30 days, as stipulated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of the accounts. 

Additionally, I request the removal of all erroneous and unverified information, as well as all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, including seeking {$1000.00} per violation for defamation of character, civil liability, and Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Hi my name is XXXX. My problem with wells fargo is that there are disputes on my account for unauthorized purchases made with my account and my card. The total amount stolen from my bank equals to {$5100.00}. I have made effortless calls to wells fargo about this and to my surprise have had 0 cooperation. Wells fargo hasnt been refunding me any of these fraudulent purchases for months.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have multiple inquiries on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX {$9000.00} XX/XX/XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I

was denied credit within the last 60 days, it was due to a transunion credit report. I have tried contacting transunuon : 1 ) There is NO way to email them the information to get a report 2 ) Calling them requires extremely long and unaccepotable hold times, 3 ) Their site is not allowing me to obtain my credit report- they verified me via my email w a code, all my info was correctly submitted. Transunion is being allowed to deny our basic rights of getting a current report ( after being denied credit for using their report. ). Its as if they structured this scenario so they can't be reached. This has to be addressed- the consumer is left with little to no options.
Consumer complaint received 2022-04-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX the below account names and numbers has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (DE)

I Am XXXX XXXX Consumer, Natural person and original creditor received a called from southwest credit stating that I owe a debt.I never gave written consent for them to call and I have proof that I was called several times ( screen shot of call log and audio recording ). Pursue to 15 USC 1692d ( 5 ) this debt collector has called me several times which is harassment. they have called at very bad time the has put me in troublesome situation. Pursue to 15 USC 1692c ( a ) ( 1 ) at debt collector no not communicate at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Also, this debt was already paid for via my credit card also known as my social security card, Pursue to 15 USC 1602 ( l ) a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Southwest credit is trying to obtain money for something that was paid through my open- ended credit plan which is theft. They stated owe a debt which is a violation of my right 15 USC 1692b ( 2 ) no debt collector shall not state that such person owes any debt.
Consumer complaint received 2022-04-20
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-20
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-20
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. The list of accounts below have 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 XXXX 

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

15 U.S.C. 1681 section 602 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NY)

I had a XXXX XXXX XXXX Account. I paid it off to XXXX XXXX XX/XX/2020 and got a letter on XX/XX/2020 stating that it was paid in full. I put in a dispute to make sure that it was taken off of my credit report and it was. Then XX/XX/XXXX, it went back on my credit report, and my credit score dropped nearly 50 points. I paid it in full and thanks to XXXX  alerts, I knew that something was wrong. 

I called both XXXX XXXX and Midland Credit. XXXX XXXX said that maybe it was not reported too Midland. I called again and then they said that they don't report to the credit bureaus etc. I also called Midland credit and they said that they needed information from XXXX XXXX. My sending a letter to them was not good enough. I called XXXX XXXX again and left a message with a manager. I got no call back. I called Midland Credit and they finally put me in with a guy who makes the reporting and he said that it would take 7 days. Then I get an alert that it was again reported by Midland Credit. and then I see that my second dispute was resolved and that it was verified as correct when it is not correct. I just did a 3rd dispute and submitted documentation to experian. Well, they did not verify it because I paid it in full to XXXX XXXX XXXX XXXX I contacted Midland Credit back in XXXX and also several times since XX/XX/XXXX. They keep putting the amount and my score has dropped nearly 50 points as a result of this insanity. Now the amount is a dollar higher than before. This is total insanity. No one wants to take responsibility for this and I paid off all of my debt in full without taking a deal. I paid it in full.
Consumer complaint received 2021-03-11
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. (WA)

Paying off a non-rotating loan results in that account 's closure. Instead of maintaining that account in a credit report, all existing data is discarded. The end result for an individual is an economically damaging penalty in the form of an artificially lowered credit score. The credit agencies know this and their actions intentionally harm consumers and dissuade them from closing out loans when they are able to. This behavior should be a punishable crime. Credit reporting agencies act in ways that damage consumers ability to obtain credit and suffer no consequences.
Consumer complaint received 2022-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION (CO)

I have settled this account months ago and it has been signed off by a XXXX XXXX XXXX. I have Called numerous times and told me it would e be taken care of. In reality they have been consistently adding charges and giving me negative marks on my credit. I submitted information to all credit Bureau 's with contacting lobel financial. I'm in need of help
Consumer complaint received 2022-04-20
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-20
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX / XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 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 instruction