davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
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. (FL)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is : XXXX XXXX. 
My Social XXXX Number 's is : XXXX Phone Number is : ( XXXX ) XXXX Dear CFPB Consumer Financial Protection Bureau Re : XXXX XXXX XXXX Continued from Case Number : XXXX Account Name : XXXX XXXX ACCEPTAN Account Number : XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( ACA ) continues to report inaccurate information and does so deeper and deeper, without doing adequate research In the statement that you yourself sent me ( ACA ) it contains obvious errors that you are unable to correct, Why do you not report all XXXX payments in the payment history that I have reported to the XXXX? Why do you only report from XX/XX/XXXX if the account was opened in XX/XX/XXXX? The FCRA establishes that every lender that reports information to the CRAs must be accurate and COMPLETE, my question is why do you report inconvenient information? 

Why when you send me the contract you do not send me the scheduled amortization? 
Why do you have a balance higher than the contract that I ORIGINALLY signed? 

Why is the date XX/XX/XXXX repeated in the statement twenty-three times? It is absurd, they continue to report INACCURATE information despite being notified by the client ( XXXX ) ON REPEATED OCCASIONS Why is there a balance of XXXX when in payment # XXXX there should be XXXX, according to my original contract? Why are you trying to charge me more? I have sent the contract with the scheduled official payments and its balance does not match what it should have. Fix this or delete the entire account Do not send me more forms or silly letters, explain why you are charging me more in the balance, if the balance is not updated to what corresponds according to my original contract, I will have no choice but to escalate this to the courts for theft and not take action on the disputes that have been sent to XXXX XXXX. I HAVE ENOUGH EVIDENCE TO SUE THEM I sent the scheduled amortization and here my original contract is ignored with the payment numbers and the exact amounts on each occasion. I demand that the balance be updated or the entire account be deleted. 

Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-11-24
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. (TX)

I have requested the removal of unauthorized credit inquiry/inquiries on my credit report from all three credit bureaus and upon checking, my latest credit report STILL shows inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX - Requested On - XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXXXXXX XXXX XXXX XXXX XXXX  Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2
Consumer complaint received 2024-11-24
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-25
Product: Credit 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: NAVY FEDERAL CREDIT UNION (LA)

The customer purchased a service for the sum of {$7000.00} from a Business known as XXXX XXXX on or around XX/XX/year> to assist my business with obtaining 0 % interest funding using what they said was the bankers that they had a personal relationship with and based on my excellent credit could grantee that I could get at least XXXX to XXXX XXXX in start-up business credit for my business and give me a business plan to apply business credit card funding to a list of XXXX Companies. which I was denied credit or could not apply due to the company being in another state. I was told I had to walk into the office to apply, and I realized that XXXX XXXX lied about their relationship with the bankers and just gave me a list of companies to apply to. After I did not see any results or the financing that was promised to me, I expressed my disappointment and requested a refund through my credit card company Navy Federal CU for services not rendered/ the credit card company said that they found no error in the service purchased and stated that the case was closed and put the credit back on my card and reported the $ XXXX matter to the credit bureaus as a dispute. In addition. Efforts were made to show the contract and other documents shared with me in my XXXX XXXX by XXXX funding and they have closed or deleted my file in XXXX XXXX but dumped a list of financial institutions after they closed my file when I requested a refund. Navy Fed CU has not provided the customer the documents or proof used to determine why the customer should not be given back her {$7000.00} since the company falsely advertised their services and did not render the services as promised to the customer to help her business.
Consumer complaint received 2024-11-23
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. (PA)

I am writing to formally notify you of fraudulent activity on my credit file due to a data breach. I am a victim of identity theft, and as such, I request that the accounts and inquiries listed below be blocked and deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : Creditor Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Fraudulent Inquiry : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

Every year I try to use annual credit report.com and every year it is broken and locks me out of reviewing my data for free from XXXX-XXXX of the agencies. 

I tried to submit a complaint to them, and their site errored out. How convenient!!! 
Totally unacceptable. They ask extremely obscure questions that are almost impossible to know the answers to. If you do n't get these obscure questions right, YOU ARE LOCKED OUT!!!!!! 

Example : Did I open a mortgage account? I am very naive about financial instruments. I have no credit card, no loans, nothing. However, I live in a rent stabilized apartment in XXXX. By law my landlord must put my security deposit in some kind of savings account to accrue interest. Is this a mortgage account? How XXXX should I know? But I have to answer these questions 100 % right OR I AM LOCKED OUT WITHOUT ANY ADDITIONAL CHANCES TO TRY, OR ANY ALTERNATE QUESTIONS. 

Another example : What county did I live in in 2003. Well I was in college then, and I see the county I lived in so I selected it. I was totally unsure this was the right answer as my drivers license and learners permit have never used any address other than the one I have had, and currently have ( 20 years, XXXX apt , remember ). Luckily they were looking for my XXXX county, but if i was wrong. I 'm XXXX out of EASILY getting me free report. 

THIS HAPPENS TO ME EVERY YEAR. WHY DOES THIS SERVICE EVEN EXIST IF IT IS SUCH GARBAGE? 

I am not alone in my complaints : XXXX Do n't worry though, they will totally sell you the report if you cant get it for free. 

XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I was never late on these three paid off closed accounts ( 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  Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this proof please delete this alleged late payments from my credit report. I am entitled to 100 % accuracy under federal laws.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

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 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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  Date XXXX -Balance Owed : {$3200.00} Unauthorized Inquiries 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 XXXXXX/XX/XXXX
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (IL)

Citibank closed credit card ( XXXX ) and transferred the card information to credit card ( XXXX - {$8500.00} ) WITH THE EXCEPTION of the credit card limit ( {$12000.00} ) ; and DID N'T NOTIFY me UNTIL after they had completed the transaction. So Citibank credit card ( XXXX ) should have a credit card limit of {$20000.00} instead of the stated {$8500.00}. 

I value my FICO score and do n't want to see the above present reduced credit limit on card ( XXXX ) subsequently reduce my FICO score which in the past I have watched very carefully. In the past I have had home mortgages and car loans at the very low interest rates possible ; and I do n't want to see that ruined by Citibank.
Consumer complaint received 2015-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

I am having serious problems with my mortgage and escrow account with CitiMortgage/Citibank. 

On XXXX XXXX, 2015 my private mortgage insurance ( PMI ) was released. I paid the XXXX statement as it was issued before the cancellation of the PMI. 

The XXXX mortgage statement came with no changes and I paid the amount due on the statement. I received a letter from CitiMortgage after I paid XXXX with a new monthly amount due. Then I received my monthly statement with a different amount due from their letter. I called CitiMortgage and they gave me yet another different amount due. 

In the meantime, they deducted money out of my escrow account but that money was not reflected in the new balances. I called and one customer service rep said that he did n't know where the money went and maybe they were issuing me a check but could not confirm that information, he just thought it. The money was taken out of my escrow account on XXXX XXXX, 2015. Nothing happened and I called again, and was told the money went somewhere but it was n't toward my principal and she could not determine where my money was. 

I emailed them and the respondent gave me the date of XXXX XXXX as the PMI cancellation date. I have the letter from CitiMortgage stating it was cancelled on XXXX XXXX, 2015. Information was also sent by the appraiser chosen by CitiMortgage that I paid for. Ugh. 

They recently took more money out of my escrow and I have no idea where that money is either. In addition, CA escrow laws are different and they do not acknowledge nor understand those laws. 

At this point I have to pay the amount on the statement which is more than I owe. Again, because it is an escrow discrepancy, the money will be removed from my escrow and not be refunded or credited that I know of. 

To summarize, I do n't know which of the monthly statement amounts they gave me is correct and I have no idea where the excess escrow payments are going. 

If you could provide me any assistance, even a phone number beyond the CitiMortgage customer service number that could escalate this, I would be sincerely grateful. 

Thank you so much for your time with this. 

All best wishes, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( cell ) XXXX ( work ) XXXX ( home )
Consumer complaint received 2015-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (OH)

I have recently been monitoring my credit report and I noticed that a negative account had been added. I did not recognize the company that reported. I contacted the creditor and discovered it was a delinquent XXXX XXXX XXXX account. They did not contact me in any way whatsoever before adding it to my credit report. They refused to work with me or remove it from my report.
Consumer complaint received 2024-10-23
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. (GA)

I have Requested from XXXX that this inaccurate information from Teachers, XXXX XXXX XXXX XXXX, be blocked and removed from my credit report. I believe all of these are result on my credit report due to not only one breach but XXXX different breaches including the national breach, XXXX XXXX and XXXX of my personal information. I received an email and a letter from XXXX XXXX about a breach, but they told me 6 months after they found out. I continuously have information that pops up on my credit report that is fraudulent and inaccurate. I have sent detailed information including a credit report along with all required documents to experience for this information to be removed. I filed an FTC report number # XXXX the inaccurate information on my report is fraudulent as a result of I'm sure more than just these three breaches.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

EQUIFAX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX : XXXXXXXX XXXX XXXX {$500.00} MUST BE DELETED IMIDIETLY, PLEASE DELETE ASAP I HAVE NEVER HAD ANY ACCOUNT LIKE THOSE.
Consumer complaint received 2024-10-04
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. (NJ)

Dispute of Unauthorized Credit Inquiries Dear [ Credit bureaus XXXX equifax XXXX ] I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit report. Upon reviewing my reports from XXXX, XXXX, and Equifax, I noticed the following inquiries that are not attached to an account I did not recognize nor authorize : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX card date ( XXXX ) XXXX one date ( XXXX ) XXXX XXXX XXXX XXXX date ( XXXX ) XXXX XXXX  date ( XXXX ) XXXX XXXX 'XXXX XXXX XXXX date ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX date ( XXXX XXXX XXXX ) XXXX XXXX XXXX date ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX  date ( XXXX XXXX XXXX ) XXXX XXXX XXXX date XXXX XXXX XXXX ) These inquiries were made without my knowledge or consent, and I have not applied for credit, loans, or services that would warrant these checks. I believe these inquiries may be the result of identity theft or unauthorized use of my personal information. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be removed from my credit report immediately, as they were made without permissible purpose. 

Enclosed, please find a copy of my identity theft report filed through the XXXX XXXX XXXX IdentityTheft.gov website. 
Please confirm receipt of this letter and provide me with written confirmation once the disputed inquiries have been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX  regarding violations of the Fair Credit Reporting Act ( FCRA ) and their inaccurate reporting of multiple charge-offs on my credit report. 

Details of the Issue : Creditor : XXXX  XXXX Account Number : XXXX Settlement Date : [ Insert Settlement Date ] Reported Amount : {$1200.00} ( settled for less than owed ) I settled this debt with XXXX  XXXX in [ insert date ], and the account was paid for less than the full amount owed. However, XXXX XXXX has reported multiple charge-offs on this account between XX/XX/year> and XX/XX/year>, despite the account being settled. 

Violations and Harms : Violation of Accurate Reporting : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to furnish accurate information to credit reporting agencies. The repeated reporting of charge-offs after the settlement is misleading, inaccurate, and in direct violation of this statute.

Unfair Negative Impact on My Credit Score : These multiple charge-offs have severely impacted my credit score, making it difficult for me to secure favorable financial terms. Since the debt was settled, XXXX XXXX should have ceased further negative reporting on the account.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I XXXX XXXX reviewed my credit report and found the following items to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months
Consumer complaint received 2024-10-03
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: EQUIFAX, INC. (CA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-11-20
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. (IN)

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, ( NAME )-