davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
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. (TX)

There were XXXX accounts sent by Transunion to XXXX XXXX XXXX in which is a collection company. 
The accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts were disputed numerous of times in the past with Transunion in which I was told that an investigation was done however when it was placed in collections the company XXXX XXXX XXXX did an investigation and labeled the accounts as fraudulent at that time they were sent back to Transunion with the exception of XXXX in which they still have and labeled fraud as it sits in their office. 
Under 15 US CODE 1681i LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 ( XXXX ), 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. 
I felt a proper and thorough investigation was never done. Under the FAIR CREDIT REPORTING ACT, I feel my rights as a consumer were violated and I want these accounts removed immediately from my credit file as it has caused extreme damage to my credit.
Consumer complaint received 2024-10-12
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. (FL)

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I was approved for a financial relief program offered by XXXX XXXX XXXX Under the XXXX XXXX, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law. 

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone stole a paycheck, with my name and signature on it, from me and somehow they cashed, now my bank ( Bank of America ) is  taken the amount of {$680.00} from my account saying that is a duplicate item, I had already contact the bank and they didnt do anything, they told me to contact my company, and company told to contact my bank, I dont what to do.
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hello, My issue is the following and concerns an international wire made to Coinbase XXXX - Sending XXXXeuros to CoinbaseXX/XX/XXXX - Wire is refused because account name and bank account name do not match, email stating fund are to be refund within 2 business days XXXX - No sign of any refund, company when rogue and do not answer Actions taken : - Mail to XXXXXXXXXXXX and XXXXXXXXXXXX - Submit a ticket with their official website support - XXXX thread - Private Message to all officials Coinbase employees on XXXX - International Phone Call mutliple time with no success
Consumer complaint received 2018-10-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: R & B Corporation of Virginia (NC)

On XX/XX/2018 I called XXXX XXXX XXXX XXXX XXXX XXXX, VA to discuss a {$470.00} medical bill that was on my report. I knew that most credit agencies will removed collection accounts after they have been paid I asked if this would be removed from my credit report and I was told no. As it is up to the creditor I accepted the answer and went about my day. On XX/XX/2018 I became aware that veterans medical bills listed as collection, delinquent or charged off will be excluded from the veterans credit report. After obtaining my credit report to verify that this account was still listed, it was now updated as paid, and that my occupation was in fact listed as retired XXXX XXXX, I called the company to again ask for it to be removed. They told me that per the conversation on XX/XX/XXXX it will not be removed. When I attempted to discuss the section in the FCRA that states this I was greeted with complete surprise and confusion. And again I was referred to the XX/XX/XXXXd conversation. Neither the employee I spoke to or the supervisor she went to knew what the FCRA was, even after explaining that it was the fair credit reporting act which governs the information they are allowed to report I was first asked to email or fax the information and then asked for a rreport number or code as tho they didnt understand. This is a debt collection agency, of all people they should know about the FCRA, in addition to that they very specifically deal with medical debts. The Economic Growth, Regulatory Relief and Consumer Protection act was signed in XX/XX/2018. The FCRA was updated in XX/XX/2018. This company absolutely failed in their responsibilities to provide fair and accurate reporting of information by sheer negligence. The employees and supervisors are clearly not properly trained. The reporting and operating procedures need to be investigated to ensure that they are following the laws that govern their agency.
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (CA)

I had a Charged Off loan with Navy Federal and was able to settle this debt in XX/XX/XXXX. The amount was settled for less and was agreed to the {$2400.00}.

I have a written agreement from Navy Federal that I have satisfied my debt on this loan and there would be no further action needed on my part. I have contacted XXXX on this matter and there's no resolution and made me go to creditor. I have also called them and they insisted that I " wanted to pay '' the debt, when in reality I wanted to inquire about re-establishing an account, not opening an old debt. 

I received a FICO notification XX/XX/XXXX saying that I owe in the amount of {$4500.00}. They re-opened this charge off that was settled because I Inquired about " re-establishing '' my membership with them. This is now on " bad collection debt '' and has severely affected my credit profile. 

I no longer owe this debt due to settlement and needs to be deleted all together as it has affected my other creditors relationship and are threatened with closure.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2018-10-10
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: Second Round Limited Partnership, Austin, TX Branch (TX)

I am clearly a victim of retaliation except my credit report is taking the hit. I made a flow up report to XXXX XXXX about the XXXX dealer that sold me a car XX/XX/2012. The bankruptcy court and attorney advised I had to return the car because the court did not approve. The dealership lied. The car was returned a few months later in XX/XX/2012. After filing a complaint on XXXX and XXXX and XXXX. XXXX allowed a company called Second Round in XXXX Texas to list this as a new collection item which drop my score 71 points. At what point to I have a regulatory advocate that stands up for my rights. I am victmiized over and over. I can only think it is all tied to my complaints on the ther major companies.
Consumer complaint received 2018-10-10
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: Experian Information Solutions Inc. (TX)

Yesterday my husband and I went to XXXX XXXX XXXX, XXXX, Tx to apply for a mortgage loan to downsize from our older, paid off home. When the loan officer ran the credit reports, only Experian, showed that we had two additional mortgages with XXXX XXXX and an additional auto loan with XXXX XXXX XXXX 
When we contacted XXXX XXXX, they verified that we had no mortgage loans. We did a little googling and pored over the report XXXX printed out for us from XXXX XXXX XXXX. 
Turns out that my Experian credit report contains information for a woman whose maiden name is the same as my married name and her social security number ( yes, that was on the report ) is just a couple of digits off mine. My guess is that someone didn't verify the social security number when they added this info. 

I tried to print a new experian report, but could not prove my own identity because they need me to very info about the loans that aren't mine. I tried calling experian 's number and went round and round with the computer generated voice. None of the options apply, and dialing XXXX doesn't work either. 
Consumer finance seems to be my main option. Please can you help? I'm not getting any younger! 
XXXX XXXX
Consumer complaint received 2018-01-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Accelerated Creditors Services, Inc (OH)

XXXX XXXX has called me and my job and I dont even have any letter from accelerated credit so I dont even know what it is in regards to. He called from number XXXX ( XXXX ) XXXX. When I XXXX this number the complaints are he calls for Debt collections for urgent care however I dont have an urgent care bill the last one I got was in XX/XX/XXXXand paid the XXXX dollars. I would like him to please stop calling and send Debt validation
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX , IA XXXX Re : CFPB Case # XXXX To Whom It May Concern, This letter is in response to your correspondence dated XX/XX/XXXX. I want to clarify that I am not disputing any information nor claiming identity theft. My request is to have my UCC-1 financial transactions added to my XXXX credit profile as public record trade lines, similar to how other credit data and public records are reported. 

My UCC-1 Financing Statement, filed on XX/XX/XXXX, with File Number XXXX, lists the following collateral : XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX  ( VIN : XXXX, License Plate : XXXX ) This statement includes a promissory note ( Account Number : XXXX ) and a security agreement ( Account Number : XXXX ), with XXXX XXXX as the secured party. I have attached a copy of the UCC-1 document as reference. 

I do not understand why possible fraudulent activity was cited. I am requesting only that these public records, which meet all legal standards, be reflected on my profile. Please clarify the basis of this concern, so I can address any misunderstandings. 

Please confirm receipt of this letter and advise on any additional steps required to proceed with this request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-25
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized inquiries XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently review a copy of my credit/consumer report. I noticed fraudulent account on my report. 

Please remove account from my report they're hurting my agility to obtain credit. 

I'm a victim of multiple data breaches that has result in my information being used without my knowledge. 

I ask for a re-investigation of this item. 

Also, sources the company used to collect this false inaccurate information. 

Under the fair credit act - 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602A ), 15 USC 1681c ( a ) ( 5 ) Please remove/delete this item with all reporting agencies. 

If the items are not deleted/removed. 

I will submitted a request to the " XXXX XXXX XXXX '' and Federal Trade Commission ''.
Consumer complaint received 2018-10-10
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. (NY)

On XX/XX/2018, XXXX XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of {$46000.00} and {$33000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information Attachments area
Consumer complaint received 2018-10-10
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. (NY)

On XX/XX/2018, XXXX XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of {$46000.00} and {$33000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information Attachments area
Consumer complaint received 2018-10-10
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: PNC Bank N.A. (VA)

I was issued a fraudulent check in the mail, and then made payments based on the payers instructions and ended up losing the money through fraud. I had cashiers check sent in the mail for {$2200.00} for a table I was selling along with the payment I was to pay movers. I deposited the check and it cleared with my bank PNC. So per the buyers request I sent the movers payment of {$1700.00} with two separate transactions via XXXX to XXXX XXXX at XXXX and XXXX. The first transaction was {$1000.00} on XX/XX/18. The second for {$700.00} on XX/XX/18. The buyer later requested a refund and said he no longer wanted the table so I attempted to refund to XXXX XXXX at XXXX via XXXX however i realized the fraudulent check was withdrawn from my account by that time so I canceled the final payment. The issuing bank discovered the fraudulence and withdrew the initial {$2200.00} Overall they stole {$1700.00} from me. I have the persons phone number as he has been texting me from XXXX ( XXXX ) XXXX. I have filed a police report. XXXX and/or PNC are able to track where the payments were sent and contact that bank or get the receivers information so that I can give them to authorities. The banks are doing nothing to resolve this issue of fraudulence or offer any type of fraud protection to get me reimbursed or find the person so I can inform police, and I have spoken to multiple levels of customer service.
Consumer complaint received 2018-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have an account reporting on my transunion account under the name XXXX XXXX, account # XXXX, that does not belong to me on my credit report. I sent a letters to transunion on XX/XX/18, XX/XX/2018 telling them that this account in not mine and that they remove this information because it is not accurate. They keep allowing the account to be updated by the collection agency even though ive demanded to see their proof of how they validated it. under section 609 of the fcra they must provide me with proof that this account is mine and they must provide me with the method of validation which they have not. I am 100 % sure this account is not mine. Transunion must not be allowed to blatantly break the law and allow this incorrect information to remain on my account.
Consumer complaint received 2018-10-10
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: EQUIFAX, INC. (DE)

Someone is accessing my credit reports for the past several years. There are 2 additional Social Security Numbers other than my own. I disputed them 2 Years ago but those individuals are still able to access my credit reports. How do I go about stopping these individuals from accessing my credit reports. There are negative reports that dont belong to me.
Consumer complaint received 2018-10-10
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. (NY)

On XX/XX/2017, XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of 32,576. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information.