davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

On or around XX/XX/year>, I paid off my loan with XXXX XXXX and received official documentation ( attached ) as proof of the payoff. Despite this, XXXX XXXX continues to report the account negatively on all three major credit bureaus ( XXXX, XXXX, and TransUnion ). I have made multiple attempts to address this issue, including disputes filed with the credit bureaus and direct contact with Sensible Auto. However, the negative reporting persists and has significantly impacted my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, XXXX XXXX has a legal obligation to ensure the accuracy of the information it reports to the credit bureaus. Specifically : 15 U.S.C. 1681s-2 ( a ) : Furnishers of information, such as XXXX XXXX, must not report inaccurate information and are required to correct and update any inaccuracies once they become aware of them.

15 U.S.C. 1681i ( a ) : Credit bureaus must conduct a reasonable investigation of disputed information and update the credit report accordingly when evidence supports a consumers claim. 

The continued negative reporting of an account that has been paid in full constitutes a clear violation of the FCRA. I have provided proof of payoff, including receipts and supporting evidence, with each dispute filed. Despite this, the disputes have been rejected without the necessary corrections being made.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I read if you had a Wells Fargo Mortgage account between XXXX thru XXXX If you had a Wells Fargo account anytime between XXXX and XXXX, you XXXX be owed some money. 

The financial services company reached a {$3.00} XXXX settlement late last year with the Consumer Financial Protection Bureau after the agency took action against them, saying they broke federal consumer protection laws in regards to auto loans, mortgages and bank accounts. CFPB says their illegal practices included misapplied payments, wrongful foreclosures and incorrect fees and interest charges. 

As part of their settlement, CFPB has ordered Wells Fargo to pay more than {$2.00} XXXX to customers who were harmed, plus {$1.00} XXXX to the victims relief fund.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I entered into a forbearance plan with XXXX XXXX XXXX for the months of XXXX XXXX XXXX XXXX XXXX XXXX The approval letter stayed that the forbearance period would end on XX/XX/year>. 

I made several payments prior to the end of the forbearance period and my account was brought completely current on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX is reporting a 30 day late payment for XX/XX/year> that they refuse to remove. 

I spoke with several representatives who assured me the account would not be considered late unless payment was made 30 days AFTER the end of my forbearance. I appealed to the executive office and they stated the terms of the approval specified that if all payments were not brought current prior to the expiration of the forbearance it would be considered late however, it is not stated in any written paperwork. Furthermore several representatives told me this was false on multiple recorded conversations.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-09-14
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. (NE)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXXXX Date Opened XX/XX/2016 Balance {$0.00}
Consumer complaint received 2024-09-20
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. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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. (PA)

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the Fair Credit Reporting, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not open or authorize accounts, and this is the of identity theft or fraudulent activity. I have taken the necessary steps to dispute and remove account with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of this account, it continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of this account from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. This account must be removed from credit report.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ).

Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy.

Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report.

I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter.

Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I summited a complaint to Capital one dispute charge on XX/XX/2022 for a transaction with XXXX where a purchase was made on XX/XX/2022 for XXXX because I wanted a refund on this item. 
I sent numerous emails to the company pertaining to the returned item and it was sent shipped back XX/XX/2022 and received on XX/XX/2022 I never got a response from the company until XX/XX/2022 after I filed a dispute with Capital one for the refund. 
I was under the assumption that I wasnt going to receive a refund due to other customers problems with this company and Im on limited income due to a XXXX so I asked Capital one to reverse the provisional credit due to that face alone for the merchants amount of XXXX that was credited to me. 
I feel this is a unethical company due to other customers problems buying on this website.I asked Capital one to reverse credit due to these findings alone and feel this credit should not be debited for this transaction due to my circumstances.
Consumer complaint received 2024-11-24
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. (SC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I need you to investigate the following account : CARMAX AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX In accordance to the fair credit reporting act this has creditor has violated my rights under 15 USC 1681 Section 602 states I have a " Right to privacy. '' 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B " A creditor may not treat under an open and consumer credit plan as late for any purpose. Im requesting immediate removal for the following occurrences of my rights being violated : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.
Consumer complaint received 2022-09-14
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)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
US DEPT ED XXXX : {$2600.00} US DEPT ED XXXX Balance : {$2900.00} XXXX : {$110.00} XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX : {$1700.00} US DEPT ED XXXX Balance : {$2300.00} XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$64.00} XXXX XXXX : {$0.00} DEPTEDXXXX  XXXX : {$0.00} DEPTEDXXXX XXXX : {$0.00} DEPTEDXXXX  XXXX : {$0.00} DEPTEDXXXX : {$0.00}
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX INQUIRIES : 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
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-09-20
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-11-24
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. (PA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint I Filed an FTC identity theft affidavit to report 15 fraudulent accounts apeearing on my consumer fico XXXX credit report which I do not recognize as reported and which are the results of identity theft and fraud. These fraudulent accounts consist of a collection account opened at 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 these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fico credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I ask the credit company to do a verification on my credit report. They did and stated it was accurate but I did a thorough research myself and found improper inaccuracys on the credit report even after the research.. 

In accordance with the fair credit reporting act 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 an account without my written instructions.
Consumer complaint received 2024-09-20
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. (CA)

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.

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.
Consumer complaint received 2022-07-14
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. (FL)

These accounts are not mine but are reflecting on my credit report. 

XXXX XXXXXXXX XXXX. - {$5900.00} Opened XX/XX/2020 XXXX XXXX XXXX XXXX - {$780.00} Acct # : XXXX XXXX Bank XXXX - {$1800.00} Acct # : XXXX XXXX XXXX Bank - {$500.00} Acct # : XXXXXXXX XXXX XXXX XXXX - {$32000.00} Acct # : XXXX They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.