davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

Not long ago I signed up for a new bank account -- checking and savings -- with USAA XXXX. I 've had auto insurance with this company since active-duty service XX/XX/1980. I 've also had XXXX secured loans from USAA for about {$2500.00} that I paid back on time. Since opening these bank accounts, USAA has denied me a secured loan, and denied a credit card, also. My XXXX score is right on the line, XXXX, and my history of all mortgage and auto, credit cards payments, is all good for years now. Also, my primary bank XXXX, XXXX XXXX XXXX XXXX, recently approved a {$3000.00} credit increase to my XXXX XXXX Credit Card, based on my credit history with them. So USAA is wrong on this and I want this error in their judgment addressed so that I can justly receive a credit card with USAA. That is fair.
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

We have already submitted several complaints about same situation and now I have just found out more information which is destroying us and needs rectified immediately. One of past complaint numbers is XXXX. This should help you get the other and all past case information. Thank you. 
The new case info I just found is that Bank of America placed info in our credit file that states we had a foreclosure started. I warned them at least 2 years ahead of situation that was coming and they did not do mod until we missed payment. We made late penalty and then made payments during mod process until we were advised by BoA not to any more. But BoA still kept late payment time adding up.BoA messed up several times delaying everything. When finished mod. BoA only extended high interest rate ( 5 3/4 % ) and made loan 40 yrs instead of 2 % for 30 yrs even though our monthly set bills where over the ratio required. Then we missed the XXXX mortgage payments also with BoA and so we went through Save the Dream Ohio and BoA messed up again even with us warning them ahead of time up front not to make the mistake they did. BoA just brought it current which was of no use as we could not make payments and needed it paid off with Save the Dream funds. It took several more months to get BoA to get act together and finally with the remaining Save the Dream funds and added funds we borrowed from Family got XXXX paid off completely. We were told we could refi in 1 year on XX/XX/XXXX. Now have tried and just found out BoA messed up again. BoA placed foreclosure inforemation on our credit report such that 1st they do not have the late payment off untill XX/XX/XXXX not XX/XX/XXXX, then also because of foreclosure info ( which we did not have ) making a XXXX on some refi banking thing. We can not refi untill XX/XX/XXXX at all. BoA is killing our finances and Family. BoA executives should be taken to jail as we at a point were working with the executive offices of BoA. All this requires fixing immediately and even compensation for BoA 's hardships, pain and suffering they have caused us and I am sure many others. 
XXXX XXXX XXXX
Consumer complaint received 2016-01-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding has put on my credit report saying I owe them {$4400.00} dollars and changed the date of when I opened an account as XXXX XXXX, XXXX. I never opened any account back in XXXX the whole year for credit card or anything. I think this possibly is an old debt back with XXXX XXXX in XXXX so they have no right to put this negative information on my report. I want them to delete this inaccurate information ASAP so I 'm sending this to you and also will send them a Debt Validation Letter.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-22
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. (MI)

I filed a complain with you the CFPB in 2022 case numbers XXXX and XXXX I enclosed all accounts that are reporting incorrectly and not my account. I also submitted to you my police report case # XXXX incident complaint date XXXX XXXX XXXX police XXXX 

Since then no items have been removed and all XXXX credit bureaus continue to report inaccurate information after I disputed it time and time again with them. A complete list was in your original complaint!!! 

Please help me in this matter Ive waited 2 years and this is still unresolved!!!
Consumer complaint received 2024-11-22
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This issue is both shocking and upsettingI noticed unauthorized inquiries on my credit report today with no explanation. I tried refreshing my browser to rule out an error, but they didnt go away. I demand that the documents I sent be thoroughly examined immediately so I can put this stressful situation behind me.
Consumer complaint received 2024-11-22
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. (CT)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent you the letter form the court house did not find any filling or any information shared with ypour organization and then all these inquirires which are not mine never requested any services from those creditors on those 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was alarmed to discover unauthorized inquiries on my credit report this afternoon, and I have no idea how they got there. I routinely check my credit report, and this time, I was shocked to see these discrepancies. Despite refreshing the browser to rule out a glitch, the unauthorized entries remained. I urge you to review the documents Ive provided thoroughly and resolve this immediately, so I no longer have to deal with this anxiety.
Consumer complaint received 2024-11-22
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. (NY)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2016-03-31
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (TX)

The first time I sent money from WU to XXXX using my Debit Card, it went through without any issue. A week later when I try to send another money it failed with the error message " Your transaction could n't be completed. '' I called Western Union regarding this error and all the agent told me was " I do n't know what happened, I can not see the error from here '' I asked the agent to get me someone who can tell me what the error means and why it is failing, the agent told me No one in WU can help me regarding this error I should go to an agent location to send the money. I thought this is absurd. Why do you provide me the choice to register an account online and not be able to tell me why the transaction is failing. This is n't the first time. WU has not been helpful in dealing with this and they have very terrible agent who 's mean job I believe is just to get customer 's to stop using WU services
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I called in to Capital One on XXXX/XXXX/2015 requesting to have a lower interest rate. They advised me that a lower rate was not available so I was going to cancel my card. They transferred me to a Supervisor who advised me that I had some upgrade options available. She presented me XXXX offers. They did tell me that I was eligible for a upgrade, they told me I could switch to the Visa Quick Silver Rewards or the Master Card Capital One Venture Card. I asked what the differences were and they advised me. They told me that they would remove the annual fee and advised that the Quick Silver Rewards would be a Visa card and I went online and looked online and saw it there and was like ok I will switch to the card with the hopes that some day by switching I could get a lower rate as it looked like online the rates for the Visa version were or could be lower so I made a decision based on that rather than the venture card. So I selected the Visa option. I was specifically advised that it would be a Visa Rewards cards and I would receive a new card in the mail and my old card would stay active until the new one arrived. I called spoke with Supervisor who explained it would not be the Visa because the minimum credit line for the Visa card was XXXX and the account number would not change and once again no lower interest rates available for the card I had. I explained I was told card would be switch to the Visa version, I adv that this is not correct I advised that my decision to accept upgrade was based on it switching to Visa and to which I was told too late now and there was nothing that could be done and it could n't be reversed. ( Bait and Switch ) Spoke with XXXX or XXXX XXXX in the Executive Customer Relations Office and he was of no help and told me there was nothing that they could do even though they did confirm that the call had been reviewed and XXXX was confirmed that is what I had been offered. He offered me a XXXX adjustment to my account and another XXXX rewards credit which I did not accept as a final resolution to this issue and advised such. They are not willing to honor what they have already confirmed was offered and that I agreed to. They are pulling a " Bait and Switch ''. They know they messed up and are not willing to fix it!!
Consumer complaint received 2016-03-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC (CA)

Original Institution XXXX XXXX which has been deleted from all the credit reporting agencies, Cavalry is a collection agency which is a 3rd party company, this account confirms full payment paid. Please Delete Cavalry from credit profile. 

Respectfuly, XXXX XXXX
Consumer complaint received 2015-09-14
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was referred to your office by XXXX at Office of Controller of Currency. I have a Certificate of Deposit, issued by XXXX Bank ( now Bank of America ) of XXXX XXXX FL on XX/XX/XXXX. This was sent to me by FL Dept. Financial Svs, Bureau of Unclaimed Property, a content of my deceased father 's safe deposit box. The CD number is XXXX customer name XXXX XXXX XXXX or XXXX XXXX XXXX, both deceased. Bank of America said they would have sent the funds to the State. The State of Florida denies this. I have much correspondence if you want copies since I have been requesting this information from the State of Florida, Office of XXXX XXXX, XXXX, since XX/XX/XXXX. I want to know where the money paid for this CD is as it now belongs to me. I will appreciate your help. Thank you.
Consumer complaint received 2024-11-22
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. (NY)

I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items, I demand they be removed or corrected immediately.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (NY)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 
1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. 
Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft, which has resulted in the inclusion of inaccurate and harmful information on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies and the involved financial institutions, I have encountered significant challenges in achieving a satisfactory resolution. I am a victim of identity theft, which has resulted in the inclusion of inaccurate and harmful information on my credit report. Violation of FCRA Section 609 ( a ) ( 1 ) ( B ) : Despite my efforts to resolve these issues directly with the credit reporting agencies and the involved financial institutions, I have encountered significant challenges in achieving a satisfactory resolution. Despite my disputes, the credit reporting agency has not properly verified the accuracy of the information in question. The continued presence of this inaccurate data on my credit report demonstrates a failure to comply with the required investigative standards under the FCRA.