davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (IL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$7600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$820.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX BANK XXXX XXXX. XXXX Balance : {$9900.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax breached my personal info and wont delete the XXXX account on my report also my credit was checked 35 times it should have been deleted via their website, its not on XXXX or XXXX.
Consumer complaint received 2024-10-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

To Whom It May Concern : 1 ) Account Name : Capital One Auto Finance Account Number : XXXX XXXX ) Account Name : Capital One Account Number : XXXX XXXX ) I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$7600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion.

2 ) This collection account I have no knowledge of and is showing on my credit report still. The collection company stated they SOLD THE DEBT TO XXXX XXXX XXXX. and no longer responsible, yet its still reporting on my credit. PLEASE KINDLY REMOVE THIS COLLECTION FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 

Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
https : //www.law.cornell.edu
Consumer complaint received 2024-10-29
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

I am writing to formally file a complaint against MIDLAND CREDIT MANAGEMENT regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>, and my Social Security XXXX is XXXX. Upon reviewing my MIDLAND CREDIT MANAGEMENT credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting MIDLAND CREDIT MANAGEMENT directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my MIDLAND CREDIT MANAGEMENT credit report. Additionally, I seek written confirmation from MIDLAND CREDIT MANAGEMENT once these accounts have been corrected. I also ask the CFPB to investigate MIDLAND CREDIT MANAGEMENT handling of my dispute and its adherence to FCRA and CFPB rules.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On numerous occasions, I have expressed to TransUnion of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next 15 days, I will file a suit and will follow up with an Invoice of Each Violation.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NEW YORK COMMUNITY BANCORP INC (CA)

This is a follow up complaint to XXXX filed on XX/XX/year>. I also filed a compliant with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas Attorney General, complaint number is XXXX on XX/XX/XXXX. 

Flagstar findings determined that there could be possible fraud. They say that since I am not on the loan I am not privy to this information. The loan modification was processed using my information fraudulently. I am a victim of identity theft. CFPB who is protecting my rights. 

I am attaching the affidavit that Flagstar asked me to submit. Is this contradictory? Although I am not on the loan how will this affidavit be used?
Consumer complaint received 2024-10-30
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Allowing reporting of a collection account from XXXX XXXX in violation of the FCRA that requires a time limit of XXXX for a negative account reporting as well as the accuracy of the information of the account being reported
Consumer complaint received 2024-10-30
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On numerous occasions, I have expressed to TransUnion of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$XXXX} each. If this is not fixed in the next 15 days, I will file a suit and will follow up with an Invoice of Each Violation.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 2024-11-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (GA)

I bought XXXX XXXX for my house from XXXX XXXX in XXXX, GA. The sale included interest free financing, so I signed up. I recently received a credit alert saying I had charged a large amount to my Wells Fargo XXXX XXXX account. When I checked, ~ {$2500.00} was added to the ~ {$3500.00} account balance because the loan wasnt paid in full by XX/XX/XXXXXXXX I have made ALL of the original loan term payments since inception, automatically having the payment made from my checking account. I just found out that those payments would NOT payoff the loan in time to prevent the interest charge. When I called Wells Fargo, I was told that the interest was ~28 % accrued since loan inception. I asked if I could just payoff the original remaining {$3500.00} that day ( XX/XX/XXXX ) and was denied. I asked to speak to a manager and was told he would reduce the total ( ~ {$6000.00} now with interest ) by {$600.00} if paid in full right then. I declined because I feel like I have been deceived and am a victim of predatory lending. Now this account is growing at at 28 % per year.
Consumer complaint received 2024-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY ()

I STARTED A DISPUTE UNDER REGULATION E. I HAVE A CLAIM THAT WAS DENIED FROM WELLS FARGO BECAUSE I HAD SEVERAL CLAIMS FROM THE SAME MECHANT. I USED MY DEBIT CARD SEVERAL TIMES TO THE MECHANT TO PAY THE FULL AMOUNT. AFTER DUE TO 2 HURRICANES IN FLORIDA AND A SEVERE FLOOD. THE WAREHOUSE WERE THE MATERIALS WERE AND THE MACHINES WERE DESTROYED. I CALL THE MECHANT AND EMAILED. THEY TOLD BE DUE TO THE HURRICANE THEY CAN'T FINISH THE ORDER AND SAID THEY WOULD NOT CHALLENGE THE DISPUTE AND WOULD REFUND ME. I SEND THE EMAIL TO SHOW THE MERCHANT WOULD NOT FIGHT THE DISPUTE. MY BANK SAID YOU HAVE TO DEAL WITH THE MECHANT DIRECLTY BEACUSE THE MECHANT USES XXXX A 3RD PARTY. I CHIPPED MY CARD AT THE STORE. I DONT CARE WHAT 3RD PARTY ANY MERCHANT USES. I NEVER RECIEVED THE GOODS OR SERVICES. I NEED WELLS FARGO TO FILE THE DISPUTE CORRECTY AND REACH OUT TO THE MERCHANT. I CALLED THE MERCHANT AND THEY SAID WELLS FARGO NEVER EVEN STARTED A CLAIM. THE MERCHANT SAID HE REFUNDED ME. I CAN SEND ATTACHEMNET FROM THE EMAILS FROM THE COMPANY AND THE REFUND RECIEPT. I FELL UNDER REGULATION E WELLS FARGO IS NOT DOPING THE CORRECT JOB AND PROTECTING THEIR CUSTOMERS. ALL I KNOW IS I NEVER RECIEVED THE MERCHANDISE AND I SHOULD BE COVERD UNDER REGULATION E. 

MY CLAIM NUMBERS WITH WELLS FARGO IS # XXXX XXXX CLAIM NUMBER IS # XXXX MERCHANT NAME XXXX XXXX INVESTMENT CLAIM AMOUNTS - {$4600.00}, {$4500.00}. 
TRANSACTIONS DATE - XX/XX/year>, XX/XX/year> DISPUTE DATES- XX/XX/year>, XX/XX/year>
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint against Transunion for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to my requests for validation and reinvestigation of a debt on my credit report. Details of Communication and Timeline of Non-Response : 1. Initial Dispute - On XX/XX/year>, I sent Transunion a letter requesting validation of a debt on my report, as is my right under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Transunion failed to respond within the 30-day investigation period required by law. 2. Second Request for Reinvestigation - XXXX XX/XX/year>, after not receiving any response from Transunion, I sent a second letter asking them to reinvestigate my initial dispute. Again, Transunion did not respond or communicate any action taken. XXXX. Further Follow-Ups - On XX/XX/year>, I sent another letter and a final one on XX/XX/year>, reiterating my requests and urging a response. However, I still have not received any acknowledgment or documentation from Transunion regarding my dispute. Under the FCRA, consumer reporting agencies like Transunion are legally obligated to : - Investigate disputed information within 30 days ( or 45 days if additional documentation is provided ) as stated under Section 611 ( a ) ( 1 ) ( A ). In my case, Transunion has far exceeded this timeframe, ignoring four separate letters and my legal right to an investigation. - Notify me of any reinvestigation results under Section 611 ( a ) ( 6 ), which they have also failed to do. Transunions lack of response not only violates the FCRA but also compromises my ability to maintain an accurate and fair credit profile. For the CFPB 's review, I am enclosing all letters sent to Transunion, as well as my identification, as supporting documentation of my efforts to resolve this matter. These documents demonstrate Transunion 's failure to comply with FCRA guidelines within the legally required timeframe. Transunions lack of responsiveness to my dispute and reinvestigation requests is a clear violation of my rights under the FCRA. I seek a prompt resolution to ensure compliance with federal law and accurate reporting on my credit profile.
Consumer complaint received 2020-02-21
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. (FL)

XXXX XXXX admitted and informed me that acct XXXX delinquent account no longer exist in their records. 

XXXX XXXX has followed the law and removed this XXXX XXXX delinquent account off my credit report However, Equifax and XXXX still continue to report this account on my credit report as accurate when in fact it should be removed. 

Document attached shows that XXXX XXXX does not have this XXXX XXXX delinquent account on my credit report because they removed it.
Consumer complaint received 2023-11-22
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. (IL)

I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The address XXXX XXXX XXXX XXXX. XXXX, MD XXXX needs to be deleted immediately. It is associated with a business and is a commercial property. This should not be listed on my personal Credit Report. Please delete immediately. This address has been used for identity theft attacks against my credit profile to harm me. An Federal Identity Theft Police Report was submitted. Please see attached Articles of Organization for the former business that operated on this Farm property. As you can see from the attached document even XXXX XXXX has removed the address! 

This is idenity theft related and according to FCRA you have to respond within 5 days.