davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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. ()

It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " idem sonans '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. 

Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT  1.FAILURE TO HONOR GOD GIVEN RIGHTS {$20000.00} 2.SILENCE/DISHONOR/DEFAULT {$5000.00} 3.FAILURE HONOR/NO BOND {$5000.00} 4.USE OF STREET ADDRESS {$5000.00} 5.FAILURE TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR 6.REGULATIONS {$50000.00} 7.FAILURE TO PRESENT A INJURED PARTY {$100000.00} 8.FRAUD PER OCCURRENCE AND INCLUDES ANY 3RD PARTY {>= $1,000,000} 9.DISHONOR IN COMMERCE PER OCCURRENCE AND INCLUDES 3RD PARTY DEFENDANT {>= $1,000,000} 10.ATTEMPED EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, SSN ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000} SHARING CREDIT HISTORY WITHOUT WRITTEN CONSENT : UNLAWFUL SEARCH WITHOUT A 4TH AMENDMENT WARRANT. VIOLATION OF THE 5TH AMENDMENT RIGHT TO PRIVACY ; ESPECIALLY OF PAPERS!!!!!!!!!!
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: EQUIFAX, INC. (NY)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2023-05-09
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. (TN)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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 2023-08-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

Dear CFPB, I am writing with regards to a " Late fee '' of {$6.00} that I am being charged for the repayment of a Student Loan during XXXX 

This is in regards to a University Loan provided by the XXXX XXXX XXXX XXXX during my XXXX studies. 

I was enrolled as a XXXX XXXX student at the XXXX XXXX XXXX XXXX XXXX XXXX through XX/XX/XXXX. In XX/XX/XXXX, President Trump issued an administrative forbearance on all student loans that has been in effect until XX/XX/XXXX. 

Heartland ECSI, my student loan provider, has billed me for a {$6.00} late fee re-payment on this loan. When I spoke to them on the phone on XXXX XXXX XXXX they indicated that I was supposed to have made a payment in XX/XX/XXXX, and that I am now considered past-due. Of note, the billing history shows that a {$90.00} payment was requested in XXXX XXXX XXXX XXXX, during the pandemic ; but that {$0.00} payments are requested thereafter. 

Could you please work with the loan provider to address : 1 ) the late-fee ; 2 ) the status as past-due? I am not sure of what implications 'past due ' may have had on my credit score, credit history. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (AR)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I informed them that I was no longer employed as of XX/XX/XXXX. My son was ran over by a car and suffers from a XXXX XXXX XXXX. I am his caregiver and we only have his social security for income. They were not willing to offer any hardship and constantly calls and emails every day.
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-06-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (TX)

My vehicle was repossessed and I called immediately to ask why as I had a payment plan in place. They said it did not matter and the repo was valid. I paid the past due amount via XXXX  XXXX and rented a trailer to pick the vehicle up only to be told by the storage facility that the vehicle had been sent to auction because ally failed to send a redemption notice. Now Im being told by the auction that they do not have the release and they close in 30 min ( XXXX ). So on the phone again with ally who says they did not show it was moved in their system. Now Ive paid for my car but can not get it until Monday even though it was never supposed to be picked up in the first place.
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Goldsmith & Hull A.P.C. (CA)

This is the 2nd complaint about a debt that was paid in full in 2006. XXXX XXXX Court records the case XXXX has been closed, debt settled and paid. The debt was paid through court ordered wage garnishment which was completed and terminated, paid in full in 2006. It is now 19-20 years later and the new collection corporation Goldsmith and Hull, http : //www.goldsmithcalaw.com XXXX is attempting to collect on a debt that is no longer owed, and not valid : completely unlawful. In addition, a representative name XXXX contacted me on my work phone, at a XXXX XXXX, identifying the company as Goldman and Hall and threatening that the Sheriff would serve me wage garnishment orders. The previous Law Corporation :  XXXX and XXXX, that had this record has already advised that there would be no further contact with regards to this account and no further collection activity and that the case has been closed by their office and the matter has been deemed resolved. Yet here is another " law office '' attempting collection activity on the same debt that was already paid.
Consumer complaint received 2019-06-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (WA)

On XX/XX/2019 I received an e-mail stating that my payment had not been received for my leased XXXX. As I had set up auto-pay in the past for the full amount due I worried that something had changed with my bank account. Upon logging in to their website I found that they claimed I owed money due to underpayments for the past two months. Those underpayments were now considered " overdue '' despite the fact that I had not received any notification that I was underpaying. 

When I called GM Financial their representative stated that I owed the amount I agreed to pay on my lease and made it clear that the website taking the wrong amount was not GM Financial 's problem. I never claimed to not want to pay the correct amount of my lease but rather that the website was taking the wrong amount out. At which point the representative informed me that the shortage was taxes owed on the lease. 

The issue here is that I told them to pull what ever I owed them from my bank account at a set time each month. Yes, I need to meet my contractual obligation to pay them but they also need to fix their site so that when I set up autopayment for the " amount due '' it takes out the correct amount. They also need to clean up their communication so that I get notified in a timely manner that my payment isn't sufficient to cover what I owe. Because in my mind I've already met that obligation by giving them my bank account and telling them to take what I owe them.
Consumer complaint received 2019-04-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (VA)

My loan for chase jp morgan was originally XXXX with XXXX written off and XXXX due as of XX/XX/XXXX date opened XX/XX/XXXX i would like this to be removed due to countless attempts to resolve this before the repossessed it, they took my car when i was expecting with twins and had communicating that i had difficulty due to a prior job loss after opening the loan, they had rude representatives transferring me around to several departments and even reached out to their media source and considered the news channel as well after all of that stress because they sold my car for {$700.00} and now want XXXX when it was obvious based off my work history and the payment history and me trying to resolve with them based off what funds i couldv'e setup a payoff but wasn't allowed
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Experian is allowing companies to report false information on my credit report. They claim that they have investigated but they do not have on evidence on file or any evidence that they can provide to me that can substantiates the false reporting on my credit report. 
The following companies are reporting false information. Experian is allowing XXXX XXXX to report negatively on my account, I have never been late or past due on any account with them. Experian is allowing XXXX XXXX to falsy report and they have has not been able to prove that I owe them anything. They have put my name on a family members account and charged me with the debt. I never contracted with this company. The company can not even provide a signed contract with my name on it with or without a signature. Experian has allowed XXXX reports that I have been late and its not true. Experian refuses to investigate and provide documentation or proof that I was ever late with this company. Experian is allowing XXXX XXXX to falsely report although the account was fully paid. Experian refuses to investigate or provide me proofs or evidence of any of these false reports. Please have Experian remove all these accounts from my report immediately. They are willfully breaking the law. They have caused me irreparable harm.
Consumer complaint received 2023-04-08
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. (LA)

XXXX, Equifax and XXXX This is my FINAL WRITTEN REQUEST that you immediately remove all unverified accounts from my credit report. All accounts that are " verified '' I need the chain of custody and information of every involved in the verification process. These accounts listed on the attached dispute letters that remain on my credit report are in violation of 15 USC Section 1681.

Repeat failure to obey the law will result in judicial intervention, subjecting your company to damages under the FCRA, including but not limited to actual damages, consequential damages, attorney 's fees and interest.

UNVERIFIED ACCOUNTS STILL REMAIN ON MY REPORT, meaning that precise NOT properly veracious CORRECT entire VALIDATED and CERTIFIABLY COMPLIANT REPORTING claims are listed upon my credit profile in violation of REQUISITES of regulatory reporting laws and standards of reporting, particularly in relation to considerations of the FCRA and FDCPA laws and the mandatory perfect and outright METRO 2 formatted reporting standard ( s ) for compliance!!! This is a violation of Federal Law. Case law is clear, you may NOT PARROT info received from an account holder via phone call, computer email or log, E-Oscar, etc., to verify any account you are reporting on. Nor is it my responsibility to verify the account!

In clarity, THE CRA 'S personally have PHYSICAL possession of the documents, IN THEIR OWN FILE, to verify the truth, the correctness, the completeness, the validity of, and the certified compliance of reporting of the accused derogatory item ( s ) of reporting, be it bona fide or not. Your failure to provide me same as requested, in violation of the law, is clear evidence that the account is truly unverified, therefore NOT tractably recorded in vile infraction of law and my consumer right ( s ).

Your failure, therefore, to remove the unverified accounts is a willful violation of the fair Credit Reporting Act Section 616. You are required under Section 611 ( 5 ) ( A ) of the Credit Reporting Act to promptly edit out all information that is not properly verified. If you do not have the documentation in your own PHYSICAL possession, the item accused is factually UNVERIFIED, and in such as well not undoubtable inarguable appropriate, correct, valid and certified compliantly rumored.

YOU ARE NOW IN OPEN VIOLATION OF 15 USC 1681N & O!
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

On my Experian report I have on my personal file a wrong address which I asked Experian to remove, for I have never lived at this place XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have no idea where it came from. I've never lived in California. It was posted in XX/XX/2018. 

Alos with XXXX they have a address that is not mine that address is XXXX XXXX XXXX, XXXX, OH XXXX I also would like for it to be removed off you my personal credit profile.
Consumer complaint received 2023-05-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account has been paid but Transunion, XXXX, and XXXX have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE {$2500.00} ACCOUNT OPENED ON XX/XX/2021 REPORTED AS COLLECTION. 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. 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

CFPB, Chex Systems is governed by the Fair Credit Reporting Act ( FCRA ). 

I do not have access to my file as the law permits. 

Please see attached for what happens every time I try and login. 

I have filed numerous CFPB complaints to no avail. 

Chex Systems tells me to call in. 

I called in 3 times this week. 

I asked to speak to US representatives. 

I spent no less than 2 HOURS on the phone on hold - as well as speaking to representatives this list. 

Tuesday, Thursday, and Friday. 

No one has resolved the issue. 

By law I need to have access to my online Chex Systems account- and they need to fix this. 

To this complaint- I will attach the picture I see when I try and login, my full contact details, as well as a past Chex Systems report to verify my identity.
Consumer complaint received 2019-04-12
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: Experian Information Solutions Inc. (NC)

I tried to get a loan through XXXX. I was informed there was a credit freeze by them but when I called the automated number they said there was NO FREEZE. 

I had to create an account THAT I HAVE TO PAY FOR with Experian to get a number where I could talk to a person to resolve. 

I never placed a freeze. This was inaccurate information by this credit bureau that has impacted my ability to obtain credit.
Consumer complaint received 2023-05-09
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. (IL)

Please update my account as soon as possible as I am having difficulty accepting this issue and it is affecting my ability to sleep. I urge you to remove any inaccuracies and confirm that I have always made timely payments, as this situation is causing me a lot of XXXX.
Consumer complaint received 2020-09-24
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. (NY)

I HAVE TAKEN A LOOK OVER MY CREDIT FILE AND FOUND A NEGATIVE CLOSED ACCOUNT THAT HAVE BEEN REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THIS ACCOUNT IS THE RESULT OF A DROP IN MY CREDIT SCORE. 
I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON THIS ACCOUNT SO THAT THIS ISSUE CAN BE RESOLVED.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (NC)

n accordance with the Fair Credit Reporting act 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 this is a charged off account there shouldnt be a passed due amount as well as this being fraud this account was used in south XXXX i have never been there before in my life this company is a bunch of thieves ruining my credit and life essentially this account is also still reporting to my credit report even thoough its charged off once a account is closed it can only reflect late up to which it shouldnt be on my report at all still ruining my life how long will i have to deal with this unjust i have a couple lawsuits on there way to the cfpb, and the reporting agencies please handle this
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: EQUIFAX, INC. (TX)

I am writing to request that the XXXX XXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft.
Consumer complaint received 2023-05-09
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. (PA)

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 XXXX XXXX XXXX XXXX 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 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.