davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (MO)

I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted to the Credit Bureaus requesting the correction of the disputed accounts reporting inaccurate information on my Credit File. I feel like the Credit Bureaus are not doing what they are ought to do. Under the Fair Credit reporting Act, the Credit Bureaus are required to investigate and correct any accounts and information that are reporting inaccurate information. For the last 6 months, I have been disputing for the correction of my Credit File, however, the Credit Bureaus have been ignoring my disputes by not responding to my Dispute letters. They surprise me by instantly reporting the disputed accounts as verified on my Credit File without properly sending me copies of proof of their investigation and verification. This action of the Credit Bureaus is a clear violation of my rights under the Fair Credit Reporting act. If the Credit Bureaus really did conducted an investigation, they should have sent me copies results of their investigation. As of now, I desire nothing more than just the correction of the following accounts on my Credit File : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00}
Consumer complaint received 2021-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've tried submitting my disputes to the credit bureaus to fix a couple of errors but it seems impossible.
Consumer complaint received 2021-03-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. I received notice from Portfolio Recovery Associates LLC dated XX/XX/XXXX regarding the disputed account confirming they were reporting correct data and attached a monthly billing statement for the account from the year XXXX. The monthly billing statement ( s ) also list an address that I have never been associated with. On XX/XX/XXXX PRA responded to my CFPB complaint stating that they are once again reporting correct information. This account was NOT opened by me and was opened without my consent. There response has not resolved the matter nor does it address the fact that they are reporting a fraudulent account. Furthermore the items remain on my credit still reporting negative. Portfolio Recovery Associates LLC has failed to fully investigate this account to ensure it was legally opened by me. REF # XXXX / ACCT # ending in XXXX
Consumer complaint received 2021-06-10
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT XXXXXXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {XXXX} -This is not my account. 


-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {XXXX} -This is not my account.
Consumer complaint received 2022-06-11
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-24
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. (AZ)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-21
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)

I am a Consumer that is protected by the laws of the FDCPA, and attached you will find servers Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, TRANSUNION & XXXX see attached ;
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (AR)

I have two accounts with citi cards. I closed both accounts a year or two ago. I have been making payments on both and have not missed any. When I closed them I was told that the interest rate would not change on a closed account. A couple months ago they started raising the rate. It was 14 % since I closed it. Then it went to 16 and then 17 %. At first I called them and after speaking to 10 different people I was told they would change it back. The next statement it went up another %. I was told it would change back on my next statement. I called again and I was told that it would be fixed by my next statement. The next statement no change. How can I get them to stop raising it and put it back to the original 14 %?
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

My original complaint with CFPB was # XXXX. The money is still not accessible. on XXXX I contacted the Fraud Dept again to ask when I could expect the resolution because the letter received said they were still awaiting the investigation from another bank. Well, after waiting for some time the representative came back and told me to go to a branch and they would pay me out of the funds because they account has been closed. I went to a branch and the Manager told me that there are no notes on the account to support a payout and asked that I contact them again. I called the Fraud Dept again, told them the situation, waited for some time again to be told by the representative the account was still under investigation. Consequently, could not get the money. 
Today, XXXX I looked at my account and found the bank received and deposited a check for {$12000.00} into that account XXXX that had been hacked before. 
There has to be something that can be done.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, 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. (IL)

This is not a duplicae complaint this new complaint regarding new issue. I'm sending this dispute for a hard inquiry that I have never authorized. After carefully researching my report I realized that this inquiry was made by someone else. I never authorized it. I truly believe it's a result of fraud. I have been a victim of Identity theft. I have also filed FTC report for this inquiry and the report number XXXX and name of that fraud inquiry is XXXX XXXX XXXX - XX/XX/2022. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
The reason that this inquiry is being disputed is because it was not made by me, and when I report this to you, it is your responsibility to investigate my claims, it must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. Thank you for your help.
Consumer complaint received 2022-12-13
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. (OH)

I have sent XXXX cards a validation letter disputing the debt on XXXX. Pursuant to the FDCPA. XXXX cards failed to provide me any evidence within XXXX days that they have a right to collect on this debt. Therefore by law the account is errant and must be zeroed and removed from my credit report. XXXX closed the account but failed to zero it and also reported negatively on my credit report. I also sent another round of letters to their headquarters in New York. Still no validation response from them. Also sent letters to all three reporting agencies along with all correspondence i sent XXXX cards saying that the creditor has not validated the debt, the account is errant and needs to be removed by law. The reporting agencies failed to remove the account and follow the law as well. XXXX removed the account at first from my report but then put it back on after the validation time was over. I believe that is also a violation of the law to remove an account and then put it back on.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, 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)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF INQURIES 
ON MY REPORT. THE COMPANY IS IN VIOLATION OF:
15 USC 1681 (a)(k)(iii)
15 USC 1681 (b)
15 USC 1681 (b)(a)(2)
15 USC 1681 (2)(a)
15 USC 1681 (c)(2)
Consumer complaint received 2021-03-08
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (NJ)

My mother passed away in XX/XX/XXXX. At the time she was living in her house at XXXX XXXX, NY, XXXX County. There was a reverse mortgage on the house which allowed us to pay her bills and maintain the residence. After she passed away we contact NOVAD, the HUD company managing reverse mortgages. We were given the option of selling the house, with the proceeds sent to NOVAD to satisfy the reverse mortgage or to transfer the house to HUD. We opted to sell the house. The buyers and sellers agreed to a contract for the sale. The buyers were able to procure a mortgage through their bank and a closing date was set in early XX/XX/XXXX. Due to the initial onset of COVID, NY State closed all non-essential law offices which delayed the closing until the end of XX/XX/XXXX. My mother 's family was contacted to file out the paperwork NOVAD requires to initiate the payoff of the reverse mortgage. The lawyer handling our end of the transaction obtained the contact information from NOVAD via email. From what we gather by the emails we received XX/XX/XXXX, sometime in XXXX or XXXX email communication between NOVAD and our lawyer was apparently hacked. It appears instead of the buyers bank sending the payoff to NOVAD via certified check it was wired to an account in Oklahoma. The perpetrators were able to convince the parties involved that due to COVID checks would not be accepted and that a wire transfer was now required. Last XX/XX/XXXX our family was notified by the XXXX Department of Finance that two documents were recorded on the property, a deed and mortgage. Ownership of the house appeared to be transferred to the new owners. Property tax liability was transferred to the new owners. After that date we received no additional correspondence on the property until this past Friday, XX/XX/XXXX when the sellers lawyer received a letter from the title company that a settlement letter was never received and that the money wired to payoff the reverse mortgage wasn't received by HUD. We were able to obtain some of the email documents earlier today from the sellers lawyer.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2020-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Account Ending in XXXX Capital One XXXX  : XXXX Last CFPB Complaint ID : XXXX Capital One is stating that it is going to take over 90 days to send my money back that was fraudulently obtained by a scammer that opened an account with them. They have already admitted the money belongs to me and that they are going to send it back to my bank XXXX via check. After talking with XXXX they stated that usually banks just wire the money back to the sending account and this does not take that long. 

Due to COVID and being scammed out of {$36000.00} my family is experiencing severe financial hardship. If my funds are not returned to me sooner my family of XXXX is going to be out on the XXXX.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Despite several written requests, the identified account continues to report on my credit report without my consent and in violation of federal law. This account shall be validated as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In the event that they fail to confirm this account, I will file a lawsuit against them. Please uphold the law so that this matter can be resolved as promptly as possible. 
XXXX XXXX XXXX : {$930.00}.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i have called Transunion and i have notify them in writing that i am a victim of identity theft. Transunion have failed to maintain reasonable procedure to in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. According to the fair credit reporting act. section 609 ( a ) ( 1 ) ( A ), Transunion are required by law to verfiy, through the physical verification of the original singed consumer contract, any and all account that they post on a credit report. I was inform by several Transunion staff staying. there is nothing they can do. i was told they have a right to keep it on my report because my original file did not include those item. and they came back verified. I ask XXXX, XXXX, XXXX who all identify themself as the supervisor. and they will not delete. i demand to see verifiable proof ( i.e an orginal signature on it that you have on file for the account attach. under FRCA unverified account must be delete
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Consumer complaint received 2022-06-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX