davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-06
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'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the accounts to " closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

Credit Card Company has reported late payment history from the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my credit reports which is inaccurate information and lowing my credit scores.
Consumer complaint received 2018-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Hi, we are fighting with the former Sallie Mae now Navient.The 2 loans in question should have never been approved due to the fact one my husband is XXXX and getting XXXX and un able to work.Second the loan paper application was forged with his signature.the dates are XX/XX/XXXX and XX/XX/XXXX.We did contact the XXXX XXXX XXXX around XX/XX/XXXX.Sallie Mae wanted my husband to go for identity theft after we contacted the XXXX  because or daughter signed her dads name.
Consumer complaint received 2024-11-05
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. (MA)

I reviewed my credit report as I do monthly. I saw 5 hard-credit inquiries on XXXX. looking further I saw 2 on TransUnion, and XXXX on XXXX. The dates are between XX/XX/XXXX and XXXX. I contacted XXXX  XXXX in which I have an account and they were very helpful. They said someone online requested an auto loan. 
The other banks in which I don't have accounts they were much less willing to help. They were XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Seeing that XXXX different banks were contacted in three days requesting loans I am very worried about identity fraud.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

I was trying to link my TD Bank checking account with XXXX so that I can withdraw funds to my bank account but TD Bank is blocking XXXX from doing so. I attempted to conect the connect the account using my TD Bank web credentials but I receive an error that TD Bank is blocking me. I called the bank and they said they dont like coinbase.com and that is why I cant access it. The customer service rep at TD Bank refused to give me her employee number or any info on who she was. This is unacceptable as now my money is locked up in a website and I will be forced to move my bank account to another bank to get my funds. 

Thanks, XXXX
Consumer complaint received 2018-01-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: ZIONS BANCORPORATION (NV)

ON XX/XX/XXXX I PURCHASED FROM MY BANK OF 30+ YEARS THREE CASHIERS CHECKS IN AMOUNTS OF {$5000.00}, {$10000.00}, AND {$15000.00}. IN THE FALL OF XXXX I HAD OCCASION TO USE THE CHECKS BUT COULD NOT FIND THEM. I INFORMED THE BANK AND THEY PLACED STOP PAYMENTS OF THE CHECKS, TELLING ME THAT I WOULD NEED TO WAIT FOR A WHILE BEFORE RE-ISSUANCE COULD BE MADE. I ACKNOWLEDGED THAT CAVEAT AND CARRIED ON WITH MY LIFE, EVENTUALLY FORGETTING COMPLETELY ABOUT THE LOST CHECKS. IN XXXX I CHANGED OUT THE INSERT OF MY LEATHER BOUND PHONE BOOK AND FOUND THE ORIGINAL CHECKS WITH THE CARBON COPIES TUCKED IN THE COVER. I BROUGHT THE CHECKS TO MY BRANCH WHERE THEY EXPRESSED SYMPATHY, FOUND THE STOP PAYMENT ORDER, AND ADVISED THEY WOULD TAKE CARE OF THE MATTER AS SOON AS POSSIBLE. AFTER MONTHS OF NO RESOLUTION. I WROTE A LETTER TO BANK PRESIDENT WHO REPLIED THAT " SINCE WE ARE UNABLE TO VERIFY THE DISPOSITION OF THESE ITEMS, WE MUST DECLINE YOUR REQUEST FOR REIMBURSEMENT. '' I HAVE THE THREE CHECKS IN MY POSSESSION TODAY. THANKS IN ADVANCE FOR ANY ASSISTANCE YOU MAY RENDER IN CORRECTING THE OUTRAGEOUS FAILURE OF MY BANK TO RETURN MY FUNDS.
Consumer complaint received 2018-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

I got this card in XX/XX/XXXX. It's been so long since I used it, I can't tell you what it is I'm paying on, nor have I been using credit cards of any kinds besides store credit cards. I called sometime last week to see what it is that I'm sending in payments for since I don't use the card. I was told what I'm paying is interest. I did a balance transfer in XX/XX/XXXX for $XXXX. That made my balance $XXXX. I've been paying more than the minimum amount and I even send in extra. The minimum payment is about $59 now. I have been sending $XXXX a month PLUS $XXXX EVERY WEEK for the last month or more AS WELL AS my checks from my part time job. From XX/XX/XXXX up until XX/XX/XXXX, I've been paying anywhere from $XXXX to almost $600 more than the minimum payment. My interest rate is 10.99% but yet my balance just recently went below $3200. My payments are also on time and never late. When I called the company, I called 3 times to see if they could reduce the debt so I could pay it off and my request was denied. If I haven't used the card, how in the hell can I still be paying interest? The dates that I called were: XX/XX/XXXX (twice),  XX/XX/XXXX
Consumer complaint received 2018-01-21
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: Experian Information Solutions Inc. (CA)

After the XXXX data breach, i started to wonder if my credit is reporting correctly. I decided to sign up for a credit monitoring account with XXXX XXXX. This is when I came to the understanding that someone has been using my personal information to apply for services and credit. 


FRAUD INQUIRY ON EXPERIAN BUREAU XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FRAUD INQUIRY ON XXXX BUREAU XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX - XX/XX/XXXX I placed a fraud alert on my credit report and placed the inquiries under dispute with the bureaus.
Consumer complaint received 2018-01-21
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)

After the XXXX data breach, i started to wonder if my credit is reporting correctly. I decided to sign up for a credit monitoring account with XXXX XXXX. This is when I came to the understanding that someone has been using my personal information to apply for services and credit.

FRAUD INQUIRY ON XXXX BUREAU -XXXX XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX XXXX - XX/XX/XXXX FRAUD INQUIRY ON TRANSUNION BUREAU -XXXX XXXX XXXX -XX/XX/XXXX -XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX I placed a fraud alert on my credit report and placed the inquiries under dispute with the bureaus.
Consumer complaint received 2018-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NV)

On XX/XX/17, I sent a certified letter to ( XXXX ) XXXX XXXX XXXX, in regards to an alleged debt that I owe. I do n't recognize this debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. I received a letter back, showing a total of 3 different accounts from XXXX of Nevada, I have no idea who they are!!! I asked them for written validation of the debt reporting on my credit bureaus for {$36.00}. Now this letter is showing 3 accounts, {$36.00}, {$19.00} and {$19.00}, the letter states all 3 accounts are delinquent and may have been reported to the credit bureaus. I still have n't received the written validation for the alleged debts. In addition, ( XXXX ) XXXX XXXX XXXX has reported this alleged debt of {$36.00} to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of the debt.
Consumer complaint received 2018-01-21
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: Experian Information Solutions Inc. (CA)

Experian has been reporting unauthorized and fraudulent inquiries. Someone has been using my name, social security number, and personal credit reporting information to apply for goods with banks.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-21
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: National Credit Systems,Inc. (NV)

National Credit Systems persists, after several years, to erroneously report fraudulent information provided by a landlord. Regardless of documented proof, co refuses to address matter. Have made multiple attempts to resolve via phone and mail, just do n't have time to go to court over {$130.00} -- but this unwarranted black mark has had, and continues to have, a substantial impact on my finances.
Consumer complaint received 2018-01-21
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)

There are three inquiries that are reporting on my TRANSUNION credit report that i did NOT apply for. I did not allow anyone to use my information. Someone is trying to obtain goods using my personal information. 


XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2018-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (AL)

XX/XX/XXXX I asked Consumer Portfolio Services not to call me at work, co n't on last call at work was on XX/XX/XXXX. My reference gets harassed since XX/XX/XXXX. XX/XX/XXXX when loan started. My loan should have only about 2 years left, my loan has almost 3 years left on it
Consumer complaint received 2018-01-21
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: JPMORGAN CHASE & CO. (FL)

To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is Chase XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
Consumer complaint received 2018-01-21
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. (CA)

I noticed an unrecognizable inquiry reporting on my Transunion credit report. I immediately contacted the bureau and spoke to a customer service agent who placed a fraud alert on my credit report to prevent any further fraud from occurring. I asked him to dispute the fraud inquiry and he told me that he did. I am not sure if he was telling the truth but the inquiry is still remaining on my credit report and has not been removed. 

Transunion XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX. 
XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA : XXXX Re : Formal complaint regarding the credit card payment system Glitch and incorrect credit reporting Dear Sir/Madam , I am writing to formally file a complaint against [ Bank Name ] regarding a serious issue with my credit card account and the inaccurate reporting of a 30-day late payment to the credit bureaus. Despite my best efforts to resolve this issue with the bank, I am still facing difficulties, and I believe their system is at fault for the error. 

In XXXX of this year, I made an electronic payment on time through the banks online system. However, a glitch in their system returned the payment. Upon realizing this, I immediately remade the payment, but it also failed to go through due to the same system issue. After identifying the problem, I contacted the banks customer service and subsequently made a payment over the phone. Despite this, the bank incorrectly reported me as 30 days late on my account. 

Since this issue first arose, I have followed all instructions provided by the banks customer service team. I contacted my bank, and they confirmed that the funds were available during payment attempts. However, [ Bank Name ] failed to make any attempts to withdraw the payment electronically. Despite my efforts, the issue remains unresolved, and the late payment continues to impact my credit rating.

I have filed two complaints with [ Bank Name ]. After the first complaint, they removed the late payment from my record, only to reverse that decision later without explanation. Despite filing a second complaint, the issue remains uncorrected, trapping me in a frustrating cycle of customer service conversations with no apparent resolution. 

I believe this situation is a result of the banks system error, and I have sufficient records showing that I made the payments within the required timeframe. It is incredibly disappointing that this process has been so difficult, and I have been unable to reach anyone in the banks decision-making team who can resolve this matter. 

I respectfully request that the CFPB assist me in getting this issue resolved. I am asking for the correction of my credit report, the removal of the 30-day late payment, and the ability to continue making payments through the system like other users without issue. 

I appreciate your attention to this matter and hope that your intervention will help facilitate a fair and timely resolution. 

Sincerely, XXXX XXXX XXXX Regions Bank
Consumer complaint received 2018-01-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (NV)

On XX/XX/XXXX, I sent a certified letter to Allied Collection Services , Inc., ( ACSI ) regarding an alleged debt that I owe. I did not recognize the debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. A little over a week later, I received a letter stating they have contacted their client and they have confirmed the name and address listed on the above account. However, the correspondence date is dated XX/XX/XXXX and the date of the letter is XX/XX/XXXX BUT it 's post marked XX/XX/XXXX. How did they validate my name and address prior to me requesting a written validation of the debt??? I still have never received the written validation. In addition, Allied Collection Services , Inc., ( ACSI ) has reported this alleged debt to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of the debt.
Consumer complaint received 2018-01-21
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: BARCLAYS BANK DELAWARE (TN)

I have an inquiry on my credit for XX/XX/XXXX from XXXX. I have not applied for ANY credit period since XX/XX/XXXX This is an unauthorized inquiry.
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC (TN)

XXXX XXXX removed this credit file and keeps reinserting it. They have NOT sent me 5 day as required by Federal Law and in violation of fdcpa 805. communication in connection with debt collection. I do not owe them anything as I have never done any business with this company period nor have received any documents to confirm I owe XXXX XXXX. They are continually violating my consumer rights.
Consumer complaint received 2018-01-21
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (CA)

I was attempting to use my new Citibank credit card obtained through XXXX. My first purchase was at XXXX in XXXX XXXX to buy a prescription for {$15.00} on X/XX/18. I decided to buy several items at XXXX 3 miles away. Upon using the card for the second time that day the machine misread the credit card chip and my transaction declined. The message was to contact member services. I contacted member services to hear that their fraud department flagged my credit card on only my SECOND transaction only an hour after my first transaction. I spoke with XXXX and her supervisor XXXX who both were incredibly redundant in their message of being unable to help me due to their fraud department being down and going through maintainance. They flagged my account and were unable to remove it. I asked them to provide better customer service other than to say check back in 4-5 hours. I asked them if they could call me when it was resolved. They said they could not. I asked them if they could have fraud department call me back, they said no. I was upset at the lack of helpfulness or initiative to provide BASIC customer service. I am left with no answers, frustration, and a brand new credit card that I can not even use until who knows when.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

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 2024-10-25
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: EQUIFAX, INC. (TX)

I've found errors on my credit report under 15 USC 16c-2. These inquiries were not authorized, and they're impacting my credit. Please remove all unauthorized hard inquiries.