davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-28
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. (MO)

I am writing to file a formal complaint regarding XXXX XXXX  handling of my account and the inaccurate reporting by the credit bureaus XXXX, XXXX, and TransUnion. The issues I am experiencing with XXXX XXXX  are causing significant and undue harm to my credit and personal well-being, and I respectfully request the CFPB 's assistance in resolving this matter.

Account Details : Issuer : XXXX XXXX  Account Number : XXXX Reported Amount : {$2900.00} Date Reported : XX/XX/XXXX Account Status : Closed/Charged Off ( XX/XX/XXXX ) Key Issues : 1. Inaccurate Reporting of Account Status : Despite the account being marked as Charged Off since XX/XX/XXXX, XXXX, XXXX, and TransUnion continue to report it as derogatory. This is misleading as XXXX XXXX  has been informed of the circumstances around the charges on this account.

2. Theft and Disputed Charges : My vehicle and credit cards, including my XXXX XXXX, were stolen in XXXX, Missouri. Following this theft, unauthorized charges were made on my XXXX account. I reported this to XXXX XXXX, yet they have refused to acknowledge the theft and disputed charges. 


3. Mixed Communication from XXXX XXXX  : XXXX recently indicated they are considering issuing a 1099-C form to potentially forgive the debt. However, they have also stated that they still intend to pursue legal action against me for this disputed debt, which has left me confused and without clear direction.

4. Request for Accurate Credit Reporting : I am asking for CFPB intervention to ensure XXXX, XXXX, and TransUnion remove the derogatory status from my credit reports. The charges were disputed and resulted from theft, which XXXX XXXX  has refused to appropriately address or resolve.
Consumer complaint received 2024-10-28
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. (SC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Core Check fee disclosure agreement states : have at least one qualifying direct deposit of {$250.00} or more made to your account each statement cycle. Disclosure is not specific and misleading a customer to perceive as to at least one deposit, without mentioning it must be a SIGNLE deposit, meaning to as one or more with a combined sum of {$250.00}.

Bank of America XX/XX/XXXX overcharged a monthly maintenance fee of {$12.00} during a statement cycle when one of its requirements was met per banks fee agreement, specifically as to one or more of direct deposits of {$250.00}.

Contacted BOA customer service on XX/XX/XXXX for fee refund resolution, which was not satisfactory.
Consumer complaint received 2024-10-28
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)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 


Accounts : XXXX XXXX XXXX- {$1400.00} - Date XXXX - XXXX. XXXX, XXXX XXXX XXXX XXXX - {$1200.00} - Date XXXX - XXXX. XXXX, XXXX XXXX XXXX  - {$520.00} - Date Opened - XXXX XXXX, XXXX Inquiries : XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
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. (IN)

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 2024-10-28
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 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. XXXX XXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX Account number XXXX, XXXX XXXX  balance {$1900.00} account number XXXX open date XX/XX/XXXX, XXXX XXXX XXXX account number XXXX balance {$19000.00} open date XX/XX/XXXX, XXXX XXXX XXXX account number XXXX balance {$1200.00} open date XX/XX/XXXX, XXXX XXXX XXXX  account number XXXX balance {$570.00} open date XX/XX/XXXX, XXXXXXXX XXXX account number XXXX open date XX/XX/XXXX balance {$10000.00}, XXXX XXXX account number XXXX balance zero open date XX/XX/XXXX XXXX XXXX XXXX open XX/XX/XXXX balance XXXX account number XXXX XXXX XXXX Account number XXXX balance XXXX open date XX/XX/XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX account number XXXX open dates XX/XX/XXXX XXXX XXXX open date, XX/XX/XXXX balance {$690.00} account number XXXX,
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing this due to Non-compliance with the Credit bureau XXXX, the account ( XXXX  XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW
Consumer complaint received 2024-10-28
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. (TN)

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 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX, bought a large rug in XXXX at start of vacation for {$1000.00} XX/XX/XXXX : Called and filed a dispute with Chase XX/XX/XXXX : Merchant responded with fake invoice saying we bought fabric, shirts, and other materials and walked out the door with merchandise XX/XX/XXXX : Chase reinstated the charge XX/XX/XXXX : We responded to the charge back and provided addition evidence. Geo tag of photo of rug we bought, date, time and location.

XX/XX/XXXX : Contact Chase again. Service rep said she re-opened the case.

This continues round and round ...

XX/XX/XXXX : Chase says that they reviewed to determine if " a billing error occurred '' and since none did we are responsible for the charge.

Chase refused to acknowledge the fact that A ) we did not receive the rug. B ) the bill the vendor provided was clearly fake ( had round off line to make total match total on cc ). Chase seemed to be trying to narrow the issue and say that since the cc charge was valid we are are responsible for the charge.

XX/XX/XXXX : I responded and said that we do not agree with their conclusion and pointed out their narrow perspective in their response. I did say that if I didn't hear back from them we would have to follow up legal action. At the time I thought we should file a small claims case. I have since decided to file a complaint via the CFPB.

No response from Chase to my written letter.

We have paid the charge so that we don't hurt our credit in the meantime. But now we would like to try to recover the {$1000.00} since I was always under the impression that we were protected when using a credit card for purchases.
Consumer complaint received 2018-08-29
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: Convergent Resources, Inc. (IL)

My name is XXXX XXXX. I just turned XXXX on XX/XX/2018. I checked my credit 2 months after I made XXXX and noticed a collection on my credit report. I have never had any credit beside my mom credit card. This company Convergent is saying I owe money to XXXX from 5yrs ago. 
This is not possible because I was XXXX at the time. I disputed the charges and its still reporting on XXXX.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I submitted a complaint and asked for this collection agency to provide me with validation of debt. According to Section ( 609 ) of the Fair Credit Reporting Act. I can request documents that prove that this is my debt. This gives me protection of consumers against false and erroneous reporting. This collection agency sent me an in-house letter that provided dates of service that they stated I visited XXXX XXXX. I have no records or statements from the original creditor. I am submitting this complaint due to this company not sending any documents that prove this is indeed my debt. I would like the information provided by the original furnisher to your office.
Consumer complaint received 2024-11-06
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Consumer complaint received 2024-10-28
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. (NC)

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 2018-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

i had three checking accounts with navy federal credit union the first time I made a claim my ex boyfriend had someone call into the bank pretend to be me and order a new card and used to it get my money then I filed a claim the bank gave me the money then took it bank then they closed that account .the second account is still open my ex tried to XXXX  me and my kids I had to leave my home I left everything behind he used my debit card called the bank as soon as I found out the bank told me its my fault and the denied my claim and told me to go ask my ex for the money back
Consumer complaint received 2018-08-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CO)

We are attempting to get a refinance on our house to pay off a higher-interest mortgage and perform some home improvements. We chose XXXX, part of XXXX. 

We are approaching the THIRD time we have had to sign papers because of constant blundering by XXXX. 

First it was because, even though the waiting period of 3 years from a " deed in lieu of foreclosure '' on our previous house, for some reason it was not recorded for a month and XXXX had not even checked, delaying our signing a month, but they didnt notify us until AFTER we had done the first signing and were expecting the cash out from our refinance. THEN they told us, AGAIN after signing and on the day we were expecting the wired funds from the cash out, that with an FHA loan no extra cash could be taken out. 

AREN'T THEY SUPPOSED TO ALREADY KNOW THESE THINGS? 

Now, after signing TWICE they are requiring proof of my latest pay raise, after which I'm led to believe the loan will have to go back to the underwriters for approval ... which will require ANOTHER signing! 

These people are incompetent!
Consumer complaint received 2018-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (TX)

so since the lawsuit on XXXX owners of XXXX. XXXX that controlled the XXXX and campus student lending loans promised if the loans were disbanned i would be payed back what i payed in. now that the loans were settled in court and the loans were dropped there not paying me back a dime. so in basically if i would of ingnored them from day one of the lawsuit i would of not had to pay a dime. 2nd i dont know why the accounts werent put on hold till the investigation done in the first place with illegal action done on the accounts. so i basically payed off almost all the accounts. campus student lending account paid in full balboa had 2 grand left when the accounts were disbanned
Consumer complaint received 2018-08-29
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: CASHCALL, INC. (CA)

I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. This company requested that I provide detail proof of my identity theft. I sent this company my dispute, Police report and my identity theft report on XXXX but to my surprise this company have not removed the fraudulent account and keeps on reporting on my credit report within the 4 days as required by law : Again this account is fraudulently reporting on my report, please delete asap : 1.Cashcall Inc. XXXX XXXX XXXX -This Account is Linked to fraudulent charges, PLEASE DELETE This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

Attached herewith : 1. My dispute i sent to this company on XXXX 2. My police report 3. my FTC report
Consumer complaint received 2018-08-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Triton Management Group, Inc (SC)

I been getting calls about my loan and made arrangements to pay but didn't have the money at the time even though i was late by one payment.I got a harassing call XX/XX/2018 about my loan from this guy name XXXX telling me I'm always late but i told him I'll be there to pay this Saturday but he kept on harassing me about a payment even after i gave him a day i was gon na pay it.This company he works for is XXXX XXXX.He kept calling my cell phone leave demands that come in and make a payment today but told him that i maybe late sometimes but I'm trying to pay and I'm only one payment due.
Consumer complaint received 2018-08-29
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: Mountain Land Collections, Inc. (UT)

I previously filed a complaint against Mountainland Collections for reporting on my credit report because they never notified me. Their response was that they sent a notice and it came back. SO obviously they didn't have the correct info and I NEVER received a notice. They reported to my credit without contacting me and they need to delete them. 

I took care of the erroneous debts that were paid by insurance already and they need to be removed. For 1. they were not valid. 2. I never got a notice.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX