davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
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 submitted multiple complaints to the bureaus and i have not gotten any results. I am in the middle of applying for a mortgage and the lender is denying me because of inaccurate information on my credit report that hasn't been removed and it is hindering me from getting my preapproval. I am in desperate need for a new home for my family due to mold exposure. I would like to have this resolved IMMEDIATELY because i need to close on my home in less XXXX days. Thank you for being attentive to this matter.
Consumer complaint received 2016-09-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CO)

A couple of years back I noticed a double payment was taken out of my account for my vehicle loan. I called 3 times and was promised to have the payment reversed. The payment was never reversed. I wanted to explain that story first to paint a picture in your mind of what Santander Consumer USA is doing now. Just recently I sold the vehicle that is under the loan with Santander Consumer USA. I have sent several checks to them with notes to apply the checks directly to the principal. I noticed a check was not applied correctly resulting in my due date being pushed out till XX/XX/XXXX. I called in and asked to have it reversed and explained my frustration to the rep and how the check was marked. The Santander Consumer USA representative informed me that the checks do not go straight to principal, even though they were marked. She also told me that I would have to call in each time this happened to have the payments fixed. The rep gave me their standard spiel in how the payment would be fixed in 72 hours. A few days passed by and the correction was not made and still is not to this day. I therefore called back in as I had since then sent in XXXX more checks that were also marked " principal only ''. XXXX of the XXXX checks were applied as regular payments. The rep I spoke to this time told me the same story, even though the checks were marked " principal only ''. He told me the issue would be fixed and my next due date would be adjusted to be XX/XX/XXXX instead of XX/XX/XXXX. I asked the rep if there was an email address I could email to follow up, he told me I would have to call back in. Today, I sent a written to Santander Consumer USA through their site again, requesting to have this fixed. They responded back requesting me to call in as they can not send sensitive material over email. I responded back that I was not requesting anything sensitive to be sent, although they replied to me in regular non-encrypted email with my account info exposed. I have been persistent with them and will continue to be because they have collected over {$260.00} in interest that I need to help me payoff the car faster. I am also afraid they will disregard my request like they did a couple years back as mentioned above.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

The accounts below have violated my rights.

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

15 U.S.C 1681 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts bellow : XXXX ( Finance ) XXXX XXXXI ( Auto )
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ( The Consumer ) recently checked my credit reports for transunion & XXXX and noticed that there was information listed on my report that is in violation of The Fair Credit Reporting Act : " 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

P.L 90-321 ( 82 Stat. 146 ) which is law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 USC 6802 : Obligations with respect to disclosures of personal information : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

I have attempted to reach out to both credit reporting agencies in regards to inquiries & improper information that are on my reports. To which they willfully did not comply with my requests. I hereby demand that Transunion XXXX XXXX provide me with the appropriate contract with my wet signature on it that gave them authorization to report anything referenced in the prospectus titled Credit letter Transunion XXXX XXXX XXXX XXXX included in this complaint.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data.

Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and TransUnion, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, TransUnion, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon. 
Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2024-02-07
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. (LA)

" Dear CFPB-Please see attached files For months I have submitted complaints to Transunion/XXXX regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet Transunion / XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They haven't been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response. ''
Consumer complaint received 2017-08-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I approached my bank whom I have a business bank account with on XXXX XXXX, 2017 in order to get a line of line of credit, which I will be personally guarantor of. I approach my banker with confidence, because, prior to reaching out to my banker, I went to Equifax and downloaded my credit report and credit score. My credit score is reported at XXXX with Equifax, XXXX with XXXX, and XXXX with XXXX. Anyhow, in speaking with my banker, I received the unfortunate news that I was denied my request due to extremely low credit score of XXXX. The banker stated that they pulled my credit report from Equifax. Immediately, I argued my case with the banker because as I explained to him that I pulled my credit report along with my credit score from Equifax prior to me contacting him inquiring about a line of credit. Unfortunately, it was nothing that he could do. Immediately, I went to Equifax.com to get my credit score. To my surprise, my credit score was again XXXX. That is a 65 point difference. I had my bank forward me the credit report, and my credit report was identical to what I pulled from Equifax HOWEVER I saw the discrepancy with my credit score. I reached out to Equifax, and a representative told me that there is nothing that they can do. Days later, I went to XXXX to see if I can get approved for a unsecured credit card. Again, the problem persisted. Not failing to mention, my XXXX credit score was now XXXX. According to the decline letter, they also sourced Equifax for my credit report and credit score. I need this rectified or I plan to sue Equifax in court.
Consumer complaint received 2024-02-07
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)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (OH)

This company continued to make back to back calls to me on the same day. They continued even after I asked them to stop. I told the representative that I had paid {$20.00} on the account and would call back to pay the balance. That did not stop them from calling. 

On XXXX I called to pay the balance of {$78.00}. They wanted me to pay a {$5.00} processing fee which I did not want to pay because of the way they had previously treated me. They were upset because I did not want to pay the fee. I called XXXX and paid the balance of what I owed ( {$78.00} ).  There was no fee involved. 

Amsher Collection Services , Inc. turned the {$20.00} over to the Credit Bureau to have it placed on my account. This amount was paid by check previously to XXXX directly. This is for a watch that I let someone else use that did not pay the bill. I could not even remember the passcode to get information from XXXX because I had not had the watch in so long. That is also one of the reason I could not find the check ( {$20.00} ). I do not get copies of my returned checks. If XXXX did not receive the check. I will pay the {$20.00}.
Consumer complaint received 2020-07-01
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-02-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to request an update to my address information in your records. I have recently moved, and I would like to ensure that my credit file reflects my current address. 
New Address : XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2017-01-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I have contacted Chrysler Capital more than 10 times reference the current payments of {$490.00} on a {$6300.00} balance with a maturity date of XX/XX/XXXX. My car was a total loss on XX/XX/XXXX, my insurance company XXXX issued a check in the amount of {$14000.00} dated XX/XX/XXXX to Chrysler Capital and the automobile GAP coverage issued a payment of {$7700.00} on XX/XX/XXXX to Chrysler Capital. My request to Chrysler Capital is to adjust the payment amount to the maturity date XX/XX/XXXX which did not change from the original amount of months to pay. I have paid on the account but they determined that the payments was only applied to interest which shows that the company is doing whatever they want to the customers. If calculated the payment should be around {$210.00} per months. The current payment of {$490.00} * 34 months remaining on loan, would add up to payments of {$16000.00} based on the maturity date. I need help I want to pay the amount i owe but based on my contract maturity date. I am only asking them to adjust the payment to the maturity date simple math. I called them several times the customer service representatives were rude, forward calls then ended the call before connecting to the supervisors, request for supervisors call back never materialize.
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (TN)

The creditor never notified me in writing that i led money and never notified me of the right to dispute. I didnt receive any notice at all until i saw a negative mark on my credit report. I dont even know what the XXXX dollar charge is for.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I'm requesting proof of the inquiries that are put on my report. 
These are from fraud I have no idea or knowledge of these inquiries except for one on my report Please forward me.proof with my signature and a valid ID if these are suppose to be me. 

Equifax fraud division please delete these fraud inquiries for me please
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

I filed a dispute with Citibank after receiving contacting XXXX XXXX XXXX  to receive a refund on a deposit paid XX/XX/20 after XXXX XXXX sent me a letter on XX/XX/20 stating my trip scheduled in XXXX could be canceled as they were suspending travel through XX/XX/20. I forwarded several emails to the billing dispute department at Citibank on XX/XX/20, XX/XX/20, and XX/XX/20. XXXX  XXXX sent an email to me dated XX/XX/20 which stated that they were suspending travel through XX/XX/20. In doing such, they breached the original agreement for travel. Despite providing this information, Citibank informed me that I should have stated I did not receive the service, versus stating the dispute was over the cancellation of service. This seems to be a play on words or mere semantics. In the end, I did not receive the service paid for. On XX/XX/20 I spoke with XXXX XXXX, XXXX of XXXX at XXXX XXXX that stated that on XX/XX/20 they agreed to the chargeback and did not dispute it. Mr. XXXX stated that XXXX XXXX is not in receipt of the {$920.00} deposit and is not certain why Citibank is stating that the dispute was not upheld because XXXX XXXX accepted the chargeback. In a time of high stress of the pandemic and XXXX bias in America, I do not think it is fair to be treated with such continued bias and unnecessary stress. Citibank has failed to help me, the consumer address this problem. Mr. XXXX provided me documentation that the chargeback was accepted, enclosed I will include it in this complaint. 

Citibank Dispute number : XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CITIBANK, N.A. (NC)

Department Stores National Bank has violated the North Carolina Debt Collection Act 75-50 to 75-56. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

Department Stores National Bank has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular base telephone number using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ).
Consumer complaint received 2024-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have sent two previous letters outlining certain errors and inaccuracies on my consumer reports. Ive also outlined many incomplete fields on my consumer reports which were set certified mail to the consumer reporting agencies. What dates and times did they contact you regarding my disputes? I am requesting a detailed respond to their methods to verify and rectify these inaccuracies and incomplete data being reported.

If you do not have the proper data to report/ furnish this information please delete this account since you have failed to do an investigation. You have also failed to do a re-investigation. Now I am requesting a detailed description of the investigation process by your company on the two separate disputes sent to the credit. 

Below I will also outline with red circles outlining my consumer reports to show further inaccuracies and missing data/ incomplete information on my consumer report. Please delete/ remove these accounts if these inaccuracies cant be verified.