davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/XXXX I sent all 3 credit bureaus certified disput letters along with sending alleged creditors the same letters all certified, 3 different accounts were to be investigated. I did receive names and contact information for verification on 2 of the 3 accounts being disputed, but never on one in the amount of XXXX , since I was given no evidence of my obiligation to pay these debts in the time given by FCRA requirements I sent another letter by certified mailXX/XX/2018 urging all 3 bureaus to remove this debt before legal action was taken and still have had no response. And I was never sent my free credit report that was also requested in disputed letters.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX Account # XXXX. 
Complaint XXXX XXXX XXXX : The late payments listed on my credit report are inaccurate. have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : TransUnion : Incorrectly reports XXXX XXXX late payments in XXXX, XXXX and XX/XX/XXXX. 
XXXX : Similarly reports XXXX XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Also reflects XXXX XXXX late payments in XX/XX/XXXX, XXXX and XX/XX/XXXX. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness. 
Requested Resolution I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-01-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC (PA)

Received loan from Mariner Finance XX/XX/XXXX in the amount of {$3000.00}. Was told I could pay the loan online only through their website in any amount that I saw fit as long as I made the minimum payment of {$130.00} per month for 24 consecutive months. The first time I logged in to pay the loan amount said upward of {$5000.00} so I called and asked why and was told by rep on XX/XX/XXXX not to worry about that as I pay it will be reflected to show I only received $ XXXX -- plus  about $ 400- {$500.00} in interest once I reached the full term of the loan which I Planned on paying back in just three months. The next issue was that the website would not allow me to pay more than {$130.00} as a time so I was unable to put lump sums on this loan as I was initially told I could. There was also a few dollar fee to do so which worried me about even more about the dollar amount shown right from the gate. I was skeptical so I tried to cancel the loan and give the money back. I was told I could not do this. I asked a few months later in XXXX for a copy of the loan agreement because the interest rate somehow jumped approximately 5 % from XX/XX/XXXX to XX/XX/XXXX. I was told no that I should have my copy I originally signed and they don't keep record. That was weird to me. I stopped paying the loan after paying approximately {$2100.00} in XX/XX/XXXX after numerous attempts at getting answers. The debt is now showing on my credit file as delinquent in collections and in the amount of {$2900.00}. I have been reaching out via email as so to have documentation of my claims for the past year with not one response. I want this tradeline removed from my credit reports as it is misrepresented in a myriad of ways.
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX, I made a payment of {$150.00} and change to bring my account current with XXXX XXXX chain and the financer synchrony bank. In the recorded call I specified to bring my whole account current and the lady on the other end let me know I was up to date. Today Sat XX/XX/XXXX I'm trying to make a purchase but before I go I call to check available Balance, there is none and the automated system let 's me know my acct. Is closed. XXXX from c.s line XXXX very curtly let 's me know he is sorry to hear this but the account is closed and I still have an amount of {$38.00} and change pending and he was ready to transfer me to the line to pay that, I said no because in the call of XX/XX/XXXX, I  asked that the account be completely current as to not owe anything. XXXX just said sorry and said if I still wanted to pay the amount due I said no and thanked him for his service. I know I was behind and O made my attempt to bring the account current and to make the balance available he said that I needed to re apply. I need the company to review the call of XXXX and explain to me why I still when I was very specific on my call to help bring this account current and why was I not informed the account would be close and why I still oweXXXX .
Consumer complaint received 2024-11-01
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. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC. (KS)

My mother had a Citizens Bank credit card. 

On XX/XX/2019, she died. 

On XX/XX/2019, I called and reported her as deceased. They asked for a copy of the death certificate. I have tried to send it to them unsuccessfully. 

I have also tried to log on to her account to verify it was closed. About a month before her death, I created login information so I could pay her bill online. I keep getting an error message that state that their system will not allow me to log in at this time. I thought maybe I forgot the password, so I sent a password reset to my e-mail. I still get the message, so Citizens has rendered it so no one can even view the account. 

I want written verification that the account has been closed and I am sending a copy of the death certificate to your office to forward to Citizens.I want to be certain that it was completely closed out and that the account has not been used since her death.
Consumer complaint received 2019-06-13
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: Nelnet, Inc. (VA)

My son attended XXXX University 10 years ago for one year which I paid for under a Parent Plus Loan. Someone other than myself signed a Private loan for a second year however several key information items were incorrect in the loan application including misidentifying my wife 's name, email address along with signature dates. The loan application was electronically signed with my son 's name and me as co-borrower. I filed an identity theft report with the XXXX County Police who were unable to investigate as too much time had past between the filling of the complaint and the original loan. I became aware of the loan only after 3 years and six months from granting and paying XXXX University as the loan was in deferment until the forecasted graduation date plus six months. The loan has been in collection for over 7 years ; is now charged off but listed as a charge off against my credit score. As this is the result of ID theft and the creditor failed to establish liability within the statue of limitations in Virginia I have repeatedly ask each of the credit reporting agencies to remove from my record.
Consumer complaint received 2024-11-01
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)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2019-01-25
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: EQUIFAX, INC. (CA)

XXXX  XXXX XXXX # XXXX -each bureau reports a different date of last activity Date XXXX  ShowsXX/XX/XXXX XXXX   Shows XX/XX/XXXX Equifax Shows XX/XX/XXXX XXXX, XXXX, Equifax is showing a monthly payment as well as a past due on closed account of {$1000.00} how is this possible? ( THIS ACCOUNT NEEDS TO BE DELETED PLEASE ) This is how I know that it wasn't a proper investigation. FCRA is very clear about the law.
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/21 the 1st transaction was posted to my Bank of America account for XXXX dollars from XXXX ( returned ). Then 2 more transactions were posted to my account for approximately 115000 more dollars and another transaction to XXXX XXXX ( returned ). None these transactions were initiated by me. After two months of investigation by the bank they tell me they will not be persuing this and I need to take matters into my own hands. And I was given a name of a company XXXX XXXX and a cell phone number. Please help out this is my parents account and my father is on XXXX XXXX after having a XXXX and I didn't do anything wrong except put my money in their bank. I was told i need to monitor my account every day. Since I didn't it is all my fault. I have paper statements that are sent out and as soon as the statement came for XXXX i opened it and reported it in a timely manner. According to the statement i have 30 days. Please help
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (MD)

This company is calling 8-10 's a day using robocallers that do not leave a voicemail, however there is always a rising or tail tone message left. There is no identification of the business in any messages and there is always 5 calls that are done through number spoofing. When trying to contact this business back, unless they're calling from the number attached onto this form, there is instantaneous answering of the call and the company does not identify itself as a collection agency. The company does not comply when asking what type of business they are and they demand a yes or no verbatim in order to even learn about who they are. They have been calling and abusing my home phone number for over a year and with no end morning, noon, and night. I have not gotten a single piece of physical mail from this company and believe it to be a scam.
Consumer complaint received 2019-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc. (MS)

the account was part of a bk XXXX and the original creditor has sent it to 6 collection agency at different times i have notified each agency as the appeared on my credit
Consumer complaint received 2019-01-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My name is XXXX XXXX, I am an XXXX XXXX member I buy things on XXXX all the time and the problem is the card that XXXX uses for its financial dealings which is XXXX XXXX. I owed {$220.00} which I could have paid all as I have done in the future but I did not receive any paper bill, I switched to the paper bill because of being charged unknown items through the paperless bills and the auto draft payments, to monitor my debts I switched back to paper bills and deleted the auto draft. 
Without a bill, I knew I have bought some things and decided as I wait for the bill to send some money minimal of {$100.00} last month on the XX/XX/XXXX and this Month on the XX/XX/XXXX another {$100.00}. To my shock, the XXXX XXXX  reported late payments and though I am paying more than the required minimum payments each month. 
This has really hurt my credit, I spoke to one of the managers and she said she can not help with the negative reporting even though its a lie I am paying money towards the owed bill of {$220.00}. 
I need it cleared from my credit report because I am paying double the minimal amount and paid it off. 
XXXX XXXX does not care about its customers and is rated very poorly.
Consumer complaint received 2024-11-01
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)

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port. 
Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac- counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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. (MI)

I recently conducted a review of my credit report and found several items that have caused me significant XXXX. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One at XXXX XXXX XXXX, XXXX, NC XXXX-XXXX  issued me a Spark Business card. Capital One emailed copies of several months of my credit card statements to a woman in Minnesota that I don't know. She contacted me to tell me that she had all of my credit card statement, my vendors information and my personal information. I contacted Capital One and cancelled the card. This breach of my account and my personal information was no big deal for them. They were apathetic about it. My business had to change all of our automatic payments with all of our vendors. I have no idea where else Capital One may have sent my information. They should be accountable for exposing me and my business to identity theft. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.