davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

I submitted proof to Experian that my information and account number was incorrect, and that the account needed to be removed, and they ACTUALLY had the nerve to say they verified it, which means they did not even LOOK at what I sent them, considering I sent them proof it was incorrect
Consumer complaint received 2022-09-01
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. (MD)

This is my response to the previous response from XXXX XXXX 's letter. This response is not from a third party, this is directly from XXXX XXXX. I have called and left messages with the executive office and have been unable to reach XXXX XXXX. I have disputed the data being reported with the consumer reporting agencies and the furnisher, XXXX XXXX XXXX XXXX I have received notices confirming accuracy of reporting ( see attached ). As a furnisher, XXXX, XXXX has a duty to provide accurate information. In XXXX XXXX 's letter it is stated, " As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the consumer. '' The information you listed in the attached letter is inaccurate with what is being reported which means you did not conduct a proper reinvestigation. It is clear that XXXX, XXXX willfully failed to comply with 15 USC 1681s-2 ( b ). XXXX, XXXX must be held liable for all damages as specified in 15 U.S. Code 1681n and 15 U.S. Code 1681o. It is the policy of the Congress 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. XXXX, XXXX, a financial institution, has transferred my nonpublic personal financial information to a third party without giving me the opportunity to opt out. It appears that this may be a violation of 15 U.S. Code 6802 ( b ). Non compliance with The Gramm-Leach-Bliley Act must be investigated by federal agencies.
Consumer complaint received 2023-01-27
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. (TX)

There is a charged off account on my credit report with XXXX XXXX. This account was originally reporting to all three credit bureaus but XXXX has deleted this inaccurate account from my credit report. Each credit bureau is reporting inconsistently and many different inaccuracies on my report such as the open date and last active date. Transunion is reporting the open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. XXXX is reporting an open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. I have informed both bureaus of the inaccuracies on my report and Transunion and XXXX refuses to delete this account from my reports and has not provided any valid proof or evidence as to how they are validating this account. If all three bureaus get their information from the same place, how is it that XXXX found that this account was inaccurate and deleted it but Transunion and XXXX hasn't? Furthermore, I have also reached out to XXXX XXXX directly to try and resolve this matter and they have not sent over any documentation or have tried to contact me in any way. It is illegal to report inaccurate information on a consumers report and not only XXXX XXXX  but the credit bureaus are in violation of the consumer laws and should delete this account from my reports.
Consumer complaint received 2022-09-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WY)

Hi- I would like to file a compliant to BSI Mortgage, I made a full payment in XXXX and they decided to take money out the XXXX payment to cover XXXX payment. I made my first payment in XXXX on XXXX and then the company tried to take out a payment on XX/XX/XXXX, I had then called them and ask them to reverse the payment because it was not going to clear, so I asked them to take the payment on XX/XX/XXXX. In return they tried to take another payment on XX/XX/XXXX without my permission because per the phone call I asked for it to be taken out the XXXX. The decided to add {$540.00} back into my account which I was unaware of since the bank had already notified them that my payment would not go through. Since this was happening I had no idea that they took a payment from XXXX to cover XXXX because they said they gave me money and I owed them when the bank had already reversed the payment. From that point on I have made my full XXXX payment and my full XXXX payment and have proof of this.This all goes back to my XXXX payment with out them telling me they were doing that. I believe that if something like that happens they should notify the borrower but also never take money out a payment that has already been. Every time I call them they will not give me any number to any VP 's to handle this matter. I then in return got on to XXXX and got some numbers for the VP 's and called them since it was public record. I was told that I was not allowed to call anyone them on cell phones and it was per your polices. If the numbers are public record then I am not sure that is the case. I was also told that I was not allowed to talk to anyone else in the company and he informed all 46 customer service agents that they couldn't not talk to me. When I had the last conversation with them I asked if I needed to get a lawyer and not that " I not that I had a lawyer '' I was treated with disrespect by the one the VP that I had called yesterday and he basically scolded me for getting in touch with the other VP 's. To treat a customer like that is not ok and I felt threaten. I have been dealing with this since for awhile and every time I called they said the would escalated and then I wouldn't get a call back and I would have to call them. This poor treatment from a company is not ok since I have never been late on any mortgage payments until they did what they did. I feel like the made me feel like and XXXX and talked down to me.
Consumer complaint received 2024-09-17
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I recently called a debt collector thinking it was a real debt collector and was scammed out of {$270.00}. They promised to clear my {$6000.00} collections debt if I paid them a fee upfront. They also promised to improve my credit score which they did and they have been harassing me trying to get more money out of me to pay monthly for services I dont even know about. Since they havent been able to charge my card recently without my knowledge, my credit score is now changing. Constantly changing. I fear Im dealing with credit fraud. This company goes thru a website that looked real at the time credit sage but when I went back to check the same page I put all my information in, it says the page doesnt exist.

Im very confused because I dont know who to call or reach out to, or who to contact about this without getting scammed It has affected my trans union and XXXX  credit report XXXX
Consumer complaint received 2024-09-14
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. (CA)

I am writing to formally dispute certain inaccuracies in my credit report and to address issues related to the timing of my payments under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
XXXX. Dispute of Credit Reporting 15 USC 1681 ( A ) ( 2 ) Under 15 USC ( A ) ( 2 ), I have the right to dispute information that I believe is inaccurate or incomplete. I have reviewed my credit report and found the following discrepancies : Account XXXX TransUnion : Dates : ( 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 
Date of Last Activity Inaccurate TransUnion XX/XX/XXXXXXXX XXXX Last Activity Inaccurate XX/XX/XXXXXXXX XXXX Last Activity Inaccurate XX/XX/XXXXXXXX  Amounts XXXX  I am requesting the removal of late payments of inaccuracies...
Consumer complaint received 2024-09-14
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$970.00} - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$660.00} - DATE OPENED XXXX XXXX, XXXX XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Misapplication of Funds : There was an error in how my payment was processed, resulting in an incorrect report of a late payment. The payment was sent and processed on time but was not correctly applied to my account by XXXX. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (NY)

Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2023-01-27
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XXXX ( XX/XX/XXXX ) Experian Experians XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on it. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. Ive also read something called the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well, I need this account deleted from my credit report if this information isnt XXXX percent correct. So, could you please check on this account and get back to me! Ive done some research and you have within 30 days to complete a full investigation on this matter. Please investigate the following account and remove anything is missing or not correct them. 

I Demand the following account be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX Account Number. XXXX ~Verification Needed~ Cancel Contract. Please provide the original contract or delete it I also read where I can get an updated report after you investigate my case. Could you please send it to me? Also, please let me know who had access to my file as well. I would like all the investigation outcome to be sent to my address I have documented. Ill be looking forward to your email.
Consumer complaint received 2024-09-26
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. (CA)

I am writing as a concerned consumer to address the accuracy and fairness of the information listed in my credit report. As you know, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) was established to ensure accuracy, fairness, and privacy within consumer reporting agencies. The FCRA provides me with specific rights to ensure my credit report is both correct and that I am treated fairly during the reporting process. 

According to the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Informed of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my interactions with your agency to guarantee that my credit report is accurate, complete, and reflective of my actual credit history. Any discrepancies or inaccuracies should be corrected immediately to prevent harm to my creditworthiness. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (NV)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank processed 2 {$43.00} EFT payments from my bank account instead of one for a monthy XXXX credit card payment. Instead of just crediting back one payment, the rep. stated that I had to wait for a refund check to arrive in about 15 days. Secondly, a separate payment was also made to my amazon store card. Instead of processing 1 {$35.00} EFT monthly payment, Synchrony Bank processed 3 EFT payments. 

I do not want to wait weeks for a refund check for their mistake!
Consumer complaint received 2023-01-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Reliable Credit Association, Inc. (WA)

Currently have a active complaint for debt collector known in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX complaince officer. Here is a copy and paste of attorney general 's " Update Existing Complaint Message : claim # XXXX Claim closed on on XX/XX/XXXX Please reopen closed complaint and asking to forward reopened claim # XXXX to the correct department " Consumer Protection division of the Washington State Attorney General 's '' Consumer, ( myself ) is asking for Reinvestigation into this subject matter. Need investigation further for possible violations of Fair Debt Collection Practice Act ( FDCPA or Statute ). I need help in enforcing Washington state Debt collection laws and FDCPA laws. Debt collector is prohibited from using harassment or abuse, false or misleading representations, or unfair practices for the purpose of collecting a debt. Prior explanation from XXXX as follows ; " As of the date of this letter, we have not yet received a response from XXXX XXXX XXXX. If XXXX XXXX XXXX sends us a response in the future, we will add that to your complaint as a public record and we will send you a copy for your information. '' Consumers allegations ; XXXX. XXXX XXXX XXXX hadn't responded YET cause the original debt buyer answered to the complaint. XXXX XXXX XXXX XXXX XXXX no longer licensed since XXXX XXXX. XXXX XXXX offered her assistance if it's needed any further! Writ of garnishment was properly filed in XXXX district court?? a. Are these companies properly licensed to do business in this state XXXX to bring an action that is enforcing security interest in real property which secured my obligation ( vehicle that was returned and given back in lieu of any alleged past defienceis? b. Alleged debt can you validate? c. Has all proper notices been issued? * If an attorney debt collector serves a consumer with a court document conveying information regarding the debt, that court document is a " communication '' for purposes of the FDCPA. If an attorney debt collector has had no prior communications with a consumer before serving them with a summons or other court document, that document would constitute the " initial communication. '' Consequently, the attorney would have to send a validation notice with the court document or within five days after the initial communication '' Attorney General 's is looking further into my complaints.
Consumer complaint received 2024-09-14
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX 

Subject : Dispute of Unauthorized Credit Charge off account Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized charge off account that appear on my credit report. I did not authorize these charge off account and I am requesting that they be removed immediately. 

The Charge off account in question are : XXXX XXXXXXXX XXXX Account XXXX Date opened : XX/XX/XXXX Date XXXX Late payment account in question XXXX XXXX Opened XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these charge off account are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized charge off account and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized charge off account highlighted for your reference. Please notify me in writing once the charge off account have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NC)

On several occasions within the past month I have applied for the apple credit card issued by goldman sachs. I have applied directly on my phone as well as on the XXXX website both applications were denied not for my credit but instead denied stating they were unable to verify my identity. I find this to be very odd seeing as I provided them with my date of birth as well as social security. I contacted apple technical support as well as apple card support specialists as the denied letter advised me to do. When I informed them of what the denial letter stated and I offered to fax them copies of my ID and SSN to verify my identity they stated that they were unable to accept it and that " if I just waited a while '' before applying again that I should no longer receive this message. I can not understand why a company with such technological advances such as apple can not provide me with a finite way to verify my identity so that I may apply for the apple card and possibly get approved. I have a credit score of approximately XXXX and the only reason for my denial is simply because they cant seem to provide me a way to verify my identity.