davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
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)

Dear : Who it XXXX concern, This is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting for information to deleted.

15 USC 1681- ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681- ( 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. 

Remove accounts immediately or I will follow up with an invoice of several violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
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: MicroBilt / PRBC (formerly CL Verify) (CA)

MICROBILT feels they can keep pulling my credit report without my authorization, I never or will I never agree to have MICROBILT pull my credit report. 

I do not believe anyone in the right mind or even crazy would let MICROBILT pull their credit report.
Consumer complaint received 2024-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I bought a car XX/XX/2014 I went with credit acceptance XXXX XXXX I was in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  it took me 4 more yrs to get my XXXX  right I had a XXXX XXXX XXXX XXXX XXXX and a lot more I only owed XXXX XXXX and the car lawsuit is still going on credit acceptance added fees intrest even though they new I was XXXX XXXXXXXX  so for a XXXX car they have taken XXXX XXXX from me so far and requested a nother XXXX XXXX can u please help I saw they did this to others and you sued them I am on XXXX and this is out of control
Consumer complaint received 2024-12-16
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: Westlake Services, LLC (OK)

Someone attempted to use my credit and this resulted in dozens of credit inquires. Many on the same day while they apparently attempted to purchase a vehicle. This was done without my knowledge or authorization and is hurting me and my credit.
Consumer complaint received 2024-12-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tower Loan of Mississippi, Inc. (LA)

This was a loan that I never solicited either in person or online, the loan company just mailed a check under my name and in that a time I was needed of money, the interest rates are 33 % since I was never able to make payments they sue me without even letting me know by mail or phone, also an agent came to my house to threaten to sue me if I did not say the XXXX in full, now they entered into a judgment against me, which am learning it does violate my rights!!
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I have talk to Equifax several times regarding my credit report. My account from Equifax, is not showing all of my correct accounts. Ive talk to an supervisor XX/XX/XXXX, to remove the fraud alert and remove the incorrect date of birth from my my credit report. Equifax had two DOB XX/XX/XXXX, XX/XX/XXXX for me, my correct birthday is XX/XX/XXXX. However XX/XX/XXXX account had all of my correct credit information. They were supposed to update and merge my correct birthday. XX/XX/XXXX had incorrect information on that credit file. Proof to show, that account from peoples commerce was removed. My score is incorrect, it still has not updated. My accounts are incorrect, it still has updated. The supervisor gave me confirmations that my credit report was updated and it still has not. I have many positive accounts, none is showing on my credit report. Im in the process of buying a home, however so can not because my credit report is not accurately reporting.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX of 2020 I filed a dispute with the three credit bureau ( XXXX, XXXX, and Transunion ) about an account that was reporting inaccurately on my credit report which was XXXX XXXX  account number XXXX XXX. I asked for methods of Investigation from all three credit bureaus and received nothing from them. But XXXX  removed this inaccurate account on my credit report which was correct to do according to the FCRA. But Transunion and XXXX  did not send me any method of Investigation nor any reason why they were leaving it on my account. Which leads me to believe that there was not a full investigation.i sent another dispute in XX/XX/2020 about this account and it came back verified. How is it that XXXX  removed it because of the inaccuracies which is correct according to the Fair Credit Reporting Act, but XXXX  and Transunion Deemed this accurate. I'm asking that they remove this account immediately According to the rules of the Fair Credit Reporting
Consumer complaint received 2023-01-08
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. (TX)

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

Approximately two weeks ago, the balance in my Total Checking Account temporarily fell below {$1500.00} to around {$1400.00}. Within two days, I had replenished the account such that the average daily balance was still well above the {$1500.00} limit. To my horror, despite a global pandemic and severe financial distress around the world, Chase still charged me a {$12.00} service fee. I want that fee refunded.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX is not showing correct information on credit reports. The have a XXXX XXXX showing on my XXXX major credit file. They have fail to provide that I was 180 days late to put a XXXX XXXX on my credit reports. The reporting is inaccurate information that needs to be removed. The account was paid in full. The XXXX major Credit Bureaus needs to follow the law and not do what they want to do! People are loosing faith in this system!
Consumer complaint received 2024-12-10
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: CITIBANK, N.A. (GA)

I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX XXXX {$690.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed CFPB Complaints # XXXX, XXXX, and XXXX last on XX/XX/XXXX but it seems that my complaint was closed upon checking it. I would like to resubmit a complaint to you today to remove unverifiable accounts, inaccurate personal information, and inquiry : XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXXXXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$55.00} ; XXXX ; that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt.
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: Experian Information Solutions Inc. (MD)

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XX/XX/2022.
Consumer complaint received 2020-04-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (NY)

I started my modification back in XXXX with the help of legal aid services. My modification was completed in XXXX of XXXX. I have been trying to get a copy of the final modification paperwork from CMG mortgage for a year now to no avail. I also was out with Covid 19 and not being paid. I work for XXXX  and plan to return to work the XXXX of XXXX. CMG stated that the would put me in forebearance but that i would have to pay a lump sum when forebearance ends on XXXX XXXX but they never sent any paperwork. CMG has tacked on numerous fees towarda my balance, some that i do no believe to be legit.
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

After the XXXX XXXX XXXX XXXX  on XX/XX/22, I found multiple credit cards that he opened in my name. 
Capital One {$3200.00} : and a second Capital One account with a balance of {$4000.00}. I wrote this company to dispute theses charges and completed the Idenity Fraud Information Forms for both accounts on XX/XX/22. A police report was made on XX/XX/22 and was submitted with a written dispute on XX/XX/22. Letter received XX/XX/22 for both Capital One accounts that they found no fraud. 

XXXX XXXX XXXX XXXX XX/XX/22 letter from company received by me after my fraud claim. Police report sent to them with dispute letter mailed to them XX/XX/22. 

XXXX XXXX  XXXX Reported via phone call as fraud account on XX/XX/22, called them again on XX/XX/22. Never received correspondence on fraud case, continue to receive paper statements with the amount due.
Consumer complaint received 2024-12-10
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: CITIBANK, N.A. (GA)

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.
Consumer complaint received 2022-07-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : CAPITAL ONE BANK USA XXXX
Consumer complaint received 2023-01-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Nationstar Mortgage LLC, d/b/a Mr. Cooper, XXXX XXXX replied to a request for interest in the referenced property. Mr.Cooper replied " confirming and establishing the interest in and securing the above referenced account '', as the confirmed Successor In Interest. Documents were submitted with an affidavit of heirship and death certificates for the previous borrowers by the Confirmed Successor In Interest. ( 1. ) However, after reviewing the documents, later sent by Mr. Cooper, it showed that a 9.57 % yearly rate of interest was being charged since XX/XX/2006. The first request for an explanation for the abnormal interest rate was sent on XXXX notarized and ignored by Mr. Cooper. ( 2 ) again on XXXX referencing the high interest rate. No response by Mr. Cooper regarding the unusual interest charged. ( 3 ) Again on XXXX to lower the interest was not acknowledged or corrected or explained by Mr. Cooper. A letter was sent to Mr. Cooper as a complaint of discrimination regarding my age, the age of the previous borrowers, and race regarding the abnormal 9.57 % interest rate which started in 2006 and continues down to this day ( copy attached ). I requested information concerning the number of customers Mr.Cooper had serviced using this high % rate. The request did not involve any personal information only numbers and ages. Mr. Cooper replied that they would not submit that request.
Consumer complaint received 2020-04-30
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. (NC)

I have been a victim of identity theft for several months. Each month I get a credit report now to ensure that everything is correct and accurate. In XX/XX/2020 I received all three credit reports and there were several fraudulent information. I sent a package to all three credit agencies stating what information was fraudulent. In XX/XX/2020 I received a new copy of all three credit reports and some of the old information was still on the reports plus there was a new account. I sent all three credit agencies a new package listing all of the information that was being reported incorrectly and that was fraudulent. I have not received my XX/XX/2020 report as of yet but from what I can see on the agencies website the information is still on my report and nothing has been done to remove it. I have attached a copy of both packages I sent in XXXX and XXXX, a copy of my driver 's license for address verification, a copy of ssn card for identification, and a copy of my identity theft affidavit.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions. It is the result of identity theft. 

Fraudulent information : Installment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX  XXXX
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (OK)

I was called multiple times a day several days a week. Didnt know the number so I didnt answer until they left a voicemail and then I called back. The guy named XXXX was not very knowledgeable because he was new, talked to supervisor named XXXX who helped me resolve the issue and figure out plan for payment. Then I was getting constantly called again a few days later by XXXX and I explained I had resolved everything with XXXX but then he sent me to his supervisor XXXX who kept yelling at me and saying I was refusing to pay when that was not the case. I said they have the recordings of my precious conversation with XXXX and our plan but XXXX said he wasnt going to listen to any tape and that I was refusing to pay and he threatened to harm my credit and threatened saying hes going to get my money no matter what and he has all my information And will get his money. Then he hung up on me
Consumer complaint received 2023-01-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this inaccurate personal information be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CO)

On XX/XX/2020 I was notified thru credit cards that my credit score had dropped roughly 240 points. I proud myself on my credit rating. It was identified that I was reported by Nelnet student loans that the reported me being 90 days late on payments. I was current and called Nelnet the following day. The customer service rep said I have been notified as current every month and that I would need to report this to every individual credit agency. I have a late payment on my mortgage which I disagree with but I will except. I have had a credit score over 740 for as long as I remember and want this taken care of. Any help is appreciated.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.