davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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. (GA)

I would like to dispute these inaccurate accounts on my credit report. 


TransUnion : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (FL)

The source of this debt, is co-insurance from a claim, being incorrectly applied. Unfortunately, I am homeless. Modifications have been made to medical debt collections, which are no longer supposed to show on credit reports, as of the coming year. When asked what will happen to this debt, as of the XXXX of the year, XXXX said that she didn't think that anyone really knew the answer to this. Please note that this debt is for less than {$100.00}. Explaining my situation, I had sent XXXX a fax. When I spoke with XXXX, she said she had not received XXXX. However, she did provide me with her e-mail address. On the XXXX of this month, I sent her a detailed e-mail. As of today, she has not replied. This is making it more difficult for me to get out of my situation.
Consumer complaint received 2022-11-23
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. (VA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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)

As a human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681.They violated my rights and I demand the account XXXX XXXX be removed According to 15 USC 1681 I have the right to privacy
Consumer complaint received 2022-12-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

I received a mail from Citi that on XX/XX/2022, Citi bank closed all my accounts without providing any reason. Not long after, I called the number that was provided in the notification trying to understand why and maybe fix the issue. The Citi bank representative couldn't provide any reason, the decision is permanent and said another mail explaining why will be sent to you in XXXX days. But i haven't received anything since. I also ask when I can have my money back as I have {$75000.00} in the Citi Priority saving account. The representative didn't have an answer either. I have also tried to log into my account, but Citi has blocked my access, so I can not view or access everything such as bank statements. 
Now I am wondering if Citi is going to return my deposit back to me. It is a lot of money and it is my money.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

after reviewing my credit report, late payments are being reported from XXXX of 2020 until present day. According to the CARES act that was signed into law on XX/XX/XXXX of 2020, late payments for persons financially effected by the pandemic are to be reported as current or compliant.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
XXXX XXXX Sincerely, these are the accounts 1. 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 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 2022-12-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (WV)

My car was repossessed by Kia finance without formal written notice as required by WV state law. I was informed by phone and was told that if I paid {$510.00} it would be placed on hold and that it was acceptable to make payments every two weeks, in accordance with my pay schedule, until I was caught up. I was informed on the day it was repossessed that the hold was only for seven days. So the first representative fraudulently misinformed me. Also as I tried to work out an arrangement with them at the time of repossession the representative on the phone disconnected the call.
Consumer complaint received 2022-11-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX XXXXhe credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022
Consumer complaint received 2022-11-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Auto Credit Corporation (FL)

Good day, I am reporting this account because I was working with this company from the beginning. I bought a car brand new but then it started having troubles right after I bought it. I keep sending it back into the dealership for repairs and such until it became so much work. I traded it in for a new car, so I do not have understanding to why my consumer report is reporting a balance I owe on this account. This account is reporting XXXX different balance along with being charged off why? Why is there active payment reporting on my consumer report and it is supposed to be charged off for whatever reason. This is causing me so much stress and I need answers. 

Account name : US AUTO CREDIT Account number : XXXX Amounts : $ XXXX {$6500.00}
Consumer complaint received 2024-08-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had lost my phone sometime in the last XXXX weeks of XXXX and when I had gotten it back, I had realized someone had gotten into it and it and taken money out of my account and transferred it to XXXX and to a random bank account. My bank gave me my money back and then told me 3 months later that my claim was not approved and they are going to take it back out of my account the XXXX of XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a business credit card with Bank of America as well as a checking account. Bank of America closed the business credit card and now without authorization takes money from my checking account to pay the credit card. I am unable to use the credit card and funds simply being taken from my checking account are extremely impactful
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (NJ)

I have purchased furniture that cost XXXX $ at Raymour and Flanigan in XX/XX/XXXX. When I purchased, I was ready to pay immediately but sales associate has recommended the 0 % XXXX interest offer for 18 months. I was told that 0 % interest for 18 months and 29.99 % after that for the remaining balance. I was asked to signup for the credit card through online. No one mentioned its deferred interest on the whole amount. It may have been in the fine print of terms hidden in the 10+ pages when I signup. 

I did setup XXXX $ auto payment to finish before XX/XX/XXXX. However for some reason additional purchase in XX/XX/XXXX which accounted to miss my promotion dead line of XX/XX/XXXX. I have been paying my dues regularly and supposed to finish the payment before XX/XX/XXXX. Due to additional purchase, there was XXXX $ balance on XX/XX/XXXX. 

Due to this, TD Bank has charged deferred interest of {$1800.00} for the whole amount XXXX $ instead of balance pending XXXX XXXX When I saw the account, {$1800.00} charged as Finance charges i was completely shocked and even it would have been interest charges it would have been 29.99 % APR on XXXX $ balance amount. Once I see this I paid {$1000.00} on XXXX immediately. 

TD bank has never send an alert on the promotion expiry but they include in the statement in fine print bottom of statement. 

I could have paid the whole balance on day one but Raymour sales associate has asked us to use the 0 % API. if i would have got email alert on promotion expiry, I would have paid on the same day. 

I had reached out to TD Bank customer service and asked them to reduce the interest on only balance amount which I am supposed to pay. I got response from TD bank that {$1800.00} interest is correct as per the terms. 

Now I have paid all the interests with XXXX balance to prevent accrual of the over interest again. 

I am raising this to consumer protection to address this over interest charged on full amount.
Consumer complaint received 2024-11-05
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. (GA)

Name : XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX  years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under 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 XXXX business days of you receiving this complaint. I have once again provided the information regarding the account in question : XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX  Acct # : XXXX Open Date : XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX I dont recognize these accounts I did not authorize them and because of an evil roommate, I have to suffer for his terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to TransUnion, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Consumer complaint received 2022-12-18
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. (VA)

I had filed a complaint before with CFPB about fraud and identity theft using reporting and selling my data and information without my written consent from me. It is called fraud and Identity theft when your information and data are gathered stored sold and that information is making you be seen in a bad light. My privacy is important and should not be sold by an agency to all to examine. My name and any derivatives of it are copyrighted on the public record and can not be used unless written permission with my wet signature. No Credit Reporting Agency, XXXX, XXXX, Experian, XXXX XXXX XXXX XXXX, or any other corporation, court municipalities, Federal, or State is allowed to use it without my wet signature, Debt collectors that have been given and sold my information have violated my privacy.
Consumer complaint received 2024-11-05
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. (FL)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2022-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX I received a Venmo request from what I believed to be my friend. The account used the same profile photo and the same login name as my friend. Venmo did not have any warning that this account was an account I had not transacted with before ( this is a safe guard I rely on each time I pay somebody new ) I accepted the Venmo request and subsequently contacted my friend and found that the request was fraudulent. Somebody was pretending to be her and created an identical account. We both contacted Venmo within 5 minutes of the scam and Venmo disabled the scammers account within 10-15 minutes. 

I blocked payment from my bank account. However- now Venmo continually is pursuing me for the {$310.00} even though they have confirmed this was a scam and even disabled the scammers account. My account is now frozen and I cant use Venmo.
Consumer complaint received 2022-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

On XX/XX/XXXX, I attempted to use a XXXX XXXX XXXX XXXX ATM in XXXX XXXX, Kentucky with my USAA debit card. I put in the XXXX XXXX ATM {$1600.00} all in {$50.00} increments, so a total of XXXX {$50.00} bills. The ATM cancelled the transaction and read that it was unable to complete the transaction and that it was returning my money. The ATM then read that it was unable to return the funds and to contact my financial institution. I immediately went into XXXX XXXX to raise the issue. They stated that I needed to submit a dispute with USAA ( my bank ) in order to get the money back. I have tried to do several disputes with USAA but because the transaction was cancelled, they are unable to see the transaction and therefore can not the transaction. I have went to XXXX XXXX several times in attempts to get my money back, but each time I go, they tell me that USAA has to dispute the transaction. Both financial institutions are telling me that I must go to the other to get the money back. XXXX XXXX verified that there was an overage at the ATM I attempted to use on XX/XX/XXXX. After multiple phone calls with a higher up manger in the XXXX XXXX Customer Department, she stated that their hands are tied and they can not release my money until USAA sends something on my behalf.