davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
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. (GA)

I am writing to formally address the inaccurate information you have reported to consumer reporting agencies regarding my account, reported on XX/XX/year>. This erroneous reporting has caused significant harm to my character, reputation, and overall quality of life, severely affecting my ability to obtain credit for personal and housing purposes. Your inaccurate reporting has directly impacted my livelihood. 

Under 15 U.S.C. 1681s-2, as a furnisher of information to consumer reporting agencies, you have a legal duty to provide accurate information. Specifically, ( a ) ( 1 ) ( A ) prohibits you from furnishing information if you know or have reasonable cause to believe that it is inaccurate. 

Moreover, the IRS clearly defines a charge-off or canceled debt as income, which does not belong on a consumer report. Reporting this account inaccurately misrepresents my financial status and is, therefore, misleading. 

You are hereby put on notice that you are furnishing incorrect information. If the amount of canceled debt exceeds {$600.00}, as per IRS regulations, you are required to file Form 1099-C and provide me with a copy. Please send my Form 1099-C to the address listed below.

In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), you must cease reporting this inaccurate information immediately. I have formally notified you of these inaccuracies, and your continued reporting is a clear violation of your responsibilities as a furnisher of information. 

This is your final opportunity to rectify this matter. I demand that you delete this erroneous account from my consumer reports. You have 10 calendar days to comply with this request. 

Thank you for your immediate attention to this issue.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX - XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

Debt validation letter sent XXXXXX/XX/year>, requesting XXXX. The original creditor 's name and contact information. XXXX. The original account number associated with the debt. XXXX. The date the alleged debt was incurred and the nature of the debt. XXXX. A complete account history, including all charges, fees, and interest applied. XXXX. Proof that you are licensed to collect debts in my state. 
There was no response from the company to verify that the debt belonged to me.
Consumer complaint received 2024-11-03
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. (NJ)

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any information related to identity theft. 
Accounts to be Deleted : 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 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed the late payments on XXXX XXXX   XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My complaint is with Capital One 360. I had a primary mortgage as well as a HELOC loan for my property in Ohio. I was recently notified that they sold both loans to two different lenders / servicing companies. Both companies, XXXX and XXXX XXXX XXXX are primarily in the business of debt collections. 

I understand that is it perfectly legal for Capital One to have sold these loans, but I do not appreciate the fact that closing these loans and re-opening them under a different account has caused my credit score to plummet. I also do not appreciate the fact that I now am treated like a delinquent debtor when I call these collection agencies. Furthermore, whereas I previously had the ability to call one number to discuss my accounts, I now have to manage them across two different organizations. 

I take great care to manage my debts as well as my credit record and I do not think it right for a bank to damage my score, resulting in higher loan costs, in this manner. I also do not think I should treated as a delinquent when I have not had a late payment in 30 years! 

I guess the best way to summarize my complaint is that Capital One sucks ... because they have no concern with regard to the consequences their actions levy upon their customers.
Consumer complaint received 2024-11-02
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: Experian Information Solutions Inc. (FL)

According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : XXXX XXXX XXXX, XX/XX/year>
Consumer complaint received 2024-11-03
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. (DE)

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of any information associated with identity theft. 
Accounts to be Deleted : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

There are 2 accounts on my credit report from XXXX XXXX. I DO NOT recognize these accounts and have requested these debts be properly verified multiple times. These accounts continue to come back verified with no documentation or proof. Instead the account statuses were changed from Collections to Charged off. I requested the 1099 forms when these accounts were said to be charged off. Never received the form & never received any deletions. Account statuses were then changed to Paid Collection & SOLD to another company.
Consumer complaint received 2024-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Truck was totaled. I owed XXXX and insurance sent XXXX via XXXX checks and XXXX wire. CapitalOne is claiming the wire processed and I still owe XXXX XXXX Check XXXX XXXX Check XXXX XXXX Check XXXX XXXX XXXX  XXXX Total from insurance XXXX Owed XXXX overage due back to me.
Consumer complaint received 2024-11-03
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. (NY)

I am writing to request the immediate blocking and deletion of all accounts and inquiries listed below from my credit report. I am a victim of a data breach and, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), request that any information on these accounts be removed from my credit file to prevent further identity theft repercussions. 
Accounts to be Deleted : 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 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 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting 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 Credit Reporting 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 from TransUnion. 

PLEASE DELETE THE FOLLOWING 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
Consumer complaint received 2018-08-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

1. In a letter dated XX/XX/2018, I requested XXXX XXXX XXXX XXXX ( " XXXX '' ), my mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to XXXX and Experian ; and 120 days late to XXXX. I have a certified mail proof of delivery receipt dated XX/XX/2018. Thus, XXXX 's 30 day deadline was XX/XX/2018. 

2. I obtained a copy of my XXXX, Experian, and XXXX credit reports on XX/XX/2018, well after XXXX 's deadline of XX/XX/2018. XXXX, XXXX was required by federal law to place a " notice of dispute '' on my accounts no later than XX/XX/2018. 

3. In a letter dated XX/XX/2018, I notified XXXX that it had not placed a notice of dispute on my XXXX, Experian, and XXXX credit reports within 30 days. Thus, federal laws requires XXXX to completely remove the items reported late from each of my credit reports. 

4. XXXX still has not complied with federal law. The late reportings are still on each one of my credit reports and I want them removed.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the IRS assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts
Consumer complaint received 2024-11-03
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Reporting for XXXX XXXX XXXX under 15 U.S.C. 1681s-2 Dear CFPB Representative, I am writing to file a formal complaint and dispute concerning two accounts reported by XXXX XXXX under two different account numbers : XXXX and XXXX. I am disputing the accuracy of the information being furnished by XXXX XXXX, as the accounts are being reported inaccurately on my credit file. 

Under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), furnishers of credit information, including XXXX XXXX , are required to report accurate and complete information to credit reporting agencies. As part of this duty, they must promptly investigate any disputed information reported by consumers. I have reached out to XXXX XXXX directly to correct the errors, but the issue remains unresolved. 

Details of the Dispute : XXXX. Account Number XXXX : This account is inaccurately reported, and I am requesting verification and correction of the information associated with it. 
XXXX. Account XXXX XXXX : This account also contains inaccuracies, and I am disputing the reported information, as it appears incorrect. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX fully complies with 15 U.S.C. 1681s-2 by conducting a thorough investigation and correcting any inaccurate information associated with these accounts. 

Please let me know if any additional documentation or information is needed to process my complaint. I appreciate your attention to this matter and look forward to a resolution that ensures accurate reporting. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: USCB, Inc. (CA)

This debt should not be on my credit. the new law exempts medical bills from posting on credit files that are under {$500.00}. there is no Account number listed to verify. this only reporting on XXXX does not report accurate on other agencies. Please remove from credit file or i will sue. i have posted a copy of what is stated on my report. 


XXXX XXXXXXXX XXXX Account Number XXXX  Original Lender XXXX XXXX XXXX Agency Name Uscb America Date Assigned XXXX XXXX XXXX Original Balance {$270.00} Current Balance {$270.00} Responsibility Individual Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department
Consumer complaint received 2023-02-09
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 2 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-11-03
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 am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to ensure these items are removed to prevent further fraudulent use of my information. 
Accounts to be Deleted 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-02
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. (GA)

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I have disputed this account because it is fraudulent and I have also filed a police report. I requested a description of the procedure that was done to verify the accuracy and completion of the information on this account. Who did you interview to come to this conclusion that this was my account? This is a violation.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2024-11-03
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. (NC)

I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries on my credit report due to identity theft resulting from a data breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3000.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2024-10-23
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. (PA)

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been having constant issues with XXXX XXXX out of XXXX XXXX  putting incorrect information on my Transunion credit account! I paid this vehicle off in full on XX/XX/year> with the total amount of {$650.00}. Yet, they are constantly sending in information that is not true, by saying I owe the amount of {$790.00}, which is false!!!! The car has been paid off for over a month now, I have my title that was sent to me by XXXX XXXX, and I received a letter also stating that my account is paid off in full, with a balance of {$0.00}! They know my account is paid in full, but they sent delinquent information into Transunion as of XX/XX/year>, knowing I paid the car off for the amount of {$650.00}!!! XXXX XXXX has been deliberately doing this because I called them out on putting a false charge off on my account to falsely get my money, along with money from the government due to a charge off, which should have never been place on my account!! I have never been 60 to 89 days late on my account! This false information has caused my credit score to drop mow than XXXX points!!! They are trying to create a false paper trail to appear that I have not made accurate payments to them which is false, and I have documentation to prove that what Im saying is true!!