davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
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: NAVY FEDERAL CREDIT UNION (CA)

I was contacted by Navy Federal Credit Union attempting to collect a debt from me that I never contracted or agreed to pay. They've been reporting negatively on my credit reporting and defaming my character since XXXX XXXX. I sent a debt validation letter to them and have yet to receive a response. Navy federal credit union has never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that date furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer.

12 CRF 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 
Below I have attached a screenshot of all the inaccuracies attached to these accounts, along with these screenshots you will see the lack of integrity.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-09-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CFAM Financial Services, LLC (NJ)

I was Leasing a car from Fair Servicing , LLC company since XXXX, I notified Fair on XX/XX/XXXX that i want to end my lease with them and return the vehicle. I also, informed them via email and in the app. that i will be dropping off the car to the original dealership i got the car from originally ( XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX, XXXX, NJ XXXX ). I was scheduled to travel during the dates they offered to pickup the car. Then By Email, i was told that Fair will be taking care of the pickup and adjust it to pickup the car from the dealership after i informed Fair by Email of the name of the person in the dealership who i handed the keys to ( XXXX ). Again i was told via email that the pickup will be taken care of by Fair Servicing LLC. I dropped Off the Car to the Dealership on the Same Day XX/XX/XXXX. I surrendered the car plates to the DMV on XX/XX/XXXX ( Receipt Enclosed ). Then i was informed by Email late in XXXX i believe that the lease was sold to CFAM Financial Solutions. After in XXXX, i received a call from CFAM asking me if i returned the car or not, i said yes and i informed them that i surrendered the license plates to the DMV and that the car is at the Dealership mentioned above in XXXX NJ. Ever since that Phone call, i kept receiving invoices from CFAM that i am missing my monthly lease payment. I responded to them via phone a few times and emailed to their customer service email, but was not successful to reach anyone. Finally i responded to one of their invoice emails explaining all that i have explained to Fair Servicing & wondering why Fair and CFAm didnt communicate Months ago all the details i explained regarding my car return. then CFAM responded and confirmed that they have located the car in the dealership and that they will pick it up, and i received a confirmation that the pickup has been scheduled. Today XX/XX/XXXX they sent me another invoice for monthly payments since XXXX XXXX i want them to stop harrasing me. 
CFAM Should have inquired about all info needed from FAIR when buying the account. Fair Should have finalized the pickup & lease end.

CFAM Must Close My account and inform me formally that my account is closed with them And that I DO NOT owe them any money, Since It was : -CFAM and FAIR issue of miscommunication - Fair Servicing Problem of not finalizing the lease and closing it, and picking up the car as they have stated in their Email to me ( email enclosed ) -I have provided several proof with several communications to CFAM that the car was not in my possession since XXXX, and it was Fair servicing and CFAM responsibility to Get the car picked up and lease account closed and finalized since end of XXXX like they have informed me. 
-CFAM Must Stop Harrasing me with these invoices trying to scam me, and scare me into paying them money that they are not entitled to based on all the evidence presented. 
Thank you XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-01-04
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: Bread Financial Holdings, Inc. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXXXXXX )
Consumer complaint received 2019-11-29
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. (OH)

I filed Fraud on XX/XX/2019 I provided XXXX  with my legal information and XXXX  helped the child support enforcement agency continue the fraud and Usury by updating the fraud with my legal information.
Consumer complaint received 2022-01-04
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 is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information
Consumer complaint received 2019-12-23
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. (MD)

After reviewing my credit report on XX/XX/2019, I discovered a debt in the amount of {$4400.00} on my XXXX report and {$4400.00} on my Experian report for an account that I did not open. After filing several disputes and requesting an investigation with XXXX and Experian to have the inaccuracies removed, I found that XXXX and Experian continuously and knowingly intercepted inaccurate information from debtor ( s ) XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. In light of this, XXXX and Experian failed to compel said debtor ( s ) to provide proof that the account was opened by me.
Consumer complaint received 2019-12-23
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: HW Holding, Inc (MD)

After reviewing my credit report on XX/XX/2019, I discovered a debt in the amount of {$4400.00} on my XXXX  report and {$4400.00} on my XXXX  report for an account that I did not open. After filing several disputes and requesting an investigation with XXXX and XXXX  to have the inaccuracies removed, I found that XXXX and XXXX  continuously and knowingly intercepted inaccurate information from debtor ( s ) Hunter Warfield Inc., XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. In light of this, XXXX  and XXXX failed to compel said debtor ( s ) to provide proof that the account was opened by me.
Consumer complaint received 2024-03-13
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. (NJ)

I had requested the reporting agencies to remove the following accounts due to identity theft roughly 60 days ago and they have not removed it. Since then I have filed another Identity theft report to remove this false information. I did not consent to this information being on my report and I have revoked consent to get this information removed. The accounts goes as follows XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NC)

BRIDGECREST FORMERLY XXXX is a company that is regulated by CFPB and they are in violation of laws, statues, and codes that they shall abide by. BRIDGECREST FORMERLY XXXX has taken adverse information reflecting on my consumer report due to none payment for medical related complications. BRIDGECREST FORMERLY XXXX went to the extreme and reported to the consumer reporting agencies numerous times late payments which is transactions between the consumer and the person ( BRIDGECREST FORMERLY XXXX ) making the report. Congress says that transactions or experiences between the consumer and the person making the report is not included in your consumer report.
Consumer complaint received 2022-01-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-04
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

There is an incorrect bankruptcy on my credit report. I have contacted them a few times to get it removed and nothing has been removed yet. It should not be there and the bankruptcy court has already let me know they did Not report this information so they do not know why it is there. and the XXXX claims the court reported it but this is false and I have a letter from bankruptcy court proving they did not report, validate or authorize this so it needs to be removed
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting act 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 instructions.
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (TX)

Hello! Thank you for your help. I recently received notice in XX/XX/XXXX that I have an account with XXXX XXXX  XXXX. They work with another company called RSEIH ( Rausch Sturm ). I received notice that I am going to be sued by RSEIH on behalf of XXXX XXXX XXXX. This doesnt seem right as I have no clue who owns the debt. I am extremely dissatisfied as I was not notified of this debt by XXXX XXXX XXXX or the above mentioned company that is contacting me for payment. This debt is old and is beyond the statute of limitations. In addition, the debt is less than {$900.00}. I did some research and I believe that this company is acquiring old debts and then reselling them and then trying to sue people to pay. This is not right and seems very predatory. I have even contacted the original creditor as of XX/XX/XXXX and they have no record of this supposed debt. In addition XXXX XXXX XXXX  did not provide any type of proof of ownership or any type of proof that they this debt is even valid.
Consumer complaint received 2023-02-18
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXXXX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.
Consumer complaint received 2019-12-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (IL)

I took out a loan with Personify Financial XXXX, 2017 in the amount of {$3900.00} not realizing the interest rate was 98.22 %. the pay back would be {$12000.00}. I was in desperate need of a loan. I feel I was taken advantage of. Personify Financial is nothing short loan sharks. I thought there were laws against this and consumer protection against loan companies charging such ridiculously high fees. I paid them approximately {$7000.00} then started to realize the balance was not going down. I tried to contact the company to see if this could be looked at but nothing was done. I contact the better business bureau and logged a complaint. I would have even been willing to settle at a lower and fair amount taking into consideration what I had paid already. Paying back {$12000.00} on a {$3900.00} loan is terrible business practice. The Dodd-Frank Wall Street Reform act states the lenders must engage in fair lending practices. I feel that this company is not engaging in fair business practices and they are taking advantage of consumers. I would like my case investigated.
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, I received a text message warning from XXXX XXXX stating that my card had been declined at XXXX and to type Y if this charge is correct and N if the charge was not authorized. I typed N and was immediately called by an agent. The person verified my name and phone number, which is linked to my online account at XXXX XXXX. The agent asked me to provide the credentials for my XXXX XXXX XXXX account to prevent unauthorized XXXX transfers. Once the agent verified my information, they initiated a 7 XXXX transactions, each for {$500.00}. The reason the person gave me was to reverse fraudulent XXXX transactions. The agent took {$3500.00} from my account. Simultaneously, my husband received the same text but was in a different city. He did not respond, but called XXXX XXXX, who denied any fraud occurring on the account. Apparently the thieves knew our names, phone numbers and bank. My husband texted me while I was speaking to the imposter bank representative, who was also asking for my routing number, and I hung up the phone. I immediately called XXXX XXXX and spoke to a representative that started a claim for me and attempted to transfer me to the XXXX department, however the wait time was over an hour. Although I was willing to wait, the representative said he was embarrassed of the wait time and advised me to call the fraud department early the next morning with the phone number he provided. I spoke to the fraud department on XX/XX/2021 and the representative deemed the transaction authorized since the XXXX transfer had been sent to a Citi Bank account with my name on that account. I have no association with the Citi bank account and do not have a XXXX account with Citi Bank. The thief was able to link my name and cell phone number to their account. The Citibank website states Please note, you can only change your email address/U.S. mobile number to another email address/U.S. mobile number already on file with Citi. Your checking account linked to your XXXX profile can only be changed to another eligible checking account linked to your Citi.com or Citi Mobile profile. I do not have a Citibank checking account. I contacted Citibanks fraud department on XX/XX/2021 to report this fraudulent transaction. The Citibank agent stated that they would start a claim and conduct an investigation.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

Please help me here as I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.