davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
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. (NV)

I 've been disputing these charges XXXX. I contacted the original lender XXXX who was supposed to be working with XXXX XXXX with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TCF NATIONAL BANK (PA)

On or about XXXX XXXX I was in auto accident that totaled out my vehicle. id recently filed for bankruptcy that previous XXXX 0f XXXX. My case had not been confirmed. XXXX XXXX XXXX refused to issue me the check for the totaled out merchandise. It is now XXXX it 's still reporting on my reports and I never received funds or replacement car. With having Full auto coverage at the time of accident.
Consumer complaint received 2018-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XXXX XXXX, 2017 we purchased a neon sign from XXXX for the amount of {$510.00}. On the next billing cycle we noticed an additional charge for the amount of {$260.00}. We then contacted the credit card company to dispute it. We were credited the {$260.00} in full. In XX/XX/XXXX we received a letter from Capital One stating that XXXX had submitted receipts showing that we made the purchase and the credit to our account was deducted a second time. The receipt is for a person with a billing and shipping address that we are unfamiliar with. I then called Capital One to resolve the issue and was told they needed me to send a letter stating my claim along with a copy of my credit card statement. With some resistance they emailed me a secure link to upload this information. The other company involved called us and asked us to drop the dispute telling us it would take 60 days for them to credit our account. We declined the offer expecting our credit card company could n't possibly charge us for something we obviously did n't purchase. Several weeks later we received another letter from Capital One saying we did not provide the requested information and they were considering our case closed.
Consumer complaint received 2024-10-23
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)

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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint against Transunion regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Transunion has been inadequate. 

Here are the details of the issue : File Number : XXXXXXXX XXXX XXXX Dispute Submitted : XX/XX/year> Account Name : XXXX XXXX  Account No : XXXX Original Dispute Reason : This account does not belong to me. 

Transunion informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Transunion to confirm the accuracy of this information.

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Transunion claimed they updated the item but did not provide any documentation to support their findings.

I asked for the supporting documentation, as is my right under the FCRA, but Transunion has failed to respond appropriately.

The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.

Resolution Requested : I am requesting the CFPB to assist me in ensuring that Transunion : Provides the necessary verification documentation they claim to have used in their investigation.

Removes the disputed item if they are unable to provide verifiable proof of its accuracy.

Ensures that any actions taken by Transunion comply with the 30-day investigation requirement as mandated by the FCRA.

I also request an investigation into Transunions handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I typed one letter informative letter dated XX/XX/XXXX about the incorrect information they have been providing on my credit report. Also I sent proper documents verifying who I am, and dispute form with the false information ( addresses, phone, numbers, name ). Along with follow letters, and phone calls up to now. The year is XX/XX/XXXX and the same incorrect personal information still remains.
Consumer complaint received 2024-10-06
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. (NY)

Recently, I did an investigation on my credit report XX/XX/XXXX and found several hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX. Experian XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX  XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX  XXXX cbna XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
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. (SC)

i am a victim of XXXX XXXX. per the law these accounts should be blocked and or removed within XXXX business days. i have supplied proof of address identification, and proof of ssn.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/XXXX I called XXXX XXXX to request my credit limit be increased because it was previously decreased. I informed the representative that i did not want my credit report ran. The representative confirmed with me that my credit would not be ran. I was told that my credit limit increase request was approved. After ending the call I received a notification from XXXX that a new hard inquiry was added to my report from XXXX XXXX/XXXX XXXXt. After further review i also saw that they ran my credit without my consent on both XX/XX/XXXX andXX/XX/XXXX. I called XXXX XXXX immediately and was told i would need to dispute this in writing.
Consumer complaint received 2018-01-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (WI)

I opened a new account with BBVA Compass on XXXX XXXX, XXXX, under a new account promotion where I would receive {$200.00} if I opened a new account and they received a direct deposit of at least {$300.00} within 60 days. 

I had payroll direct deposits of {$300.00} post to my new checking account on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 

It has been 60 days since I opened the account and I still have n't received the {$200.00} bonus. I sent the bank a secure message, and I received the following response : We received your inquiry regarding the Direct Deposit Promotion. Please note that the qualifications for promotion are based off our discretion. 

I do n't think it is fair of them to decide to not pay my bonus, after I met all requirements, just because their promotion is based off their 'discretion '. I met the requirements of their promotion and believe I am entitled to the bonus. 

Thank you.
Consumer complaint received 2018-01-13
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: TD BANK US HOLDING COMPANY (NV)

I do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, TD Auto did not remove these accounts! Congress clearly states in XXXX XXXX XXXX XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

TD Auto XXXX Status makes no sense, delete this immediately : XXXX and XXXX : closed/XXXX : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that XXXX and XXXX report a monthly payment of {$0.00} while XXXX reports {$1000.00}! 

TD Auto XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX $ XXXX {$19000.00} TD Auto XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX $ XXXX {$68000.00} XXXX due : XXXX and XXXX $ XXXX {$0.00}
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. (GA)

To Whom It May Concern, I am writing to formally request the blocking and deletion of several accounts on my credit report that are fraudulent and a result of identity theft due to a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts from my credit report : Fraudulent Accounts : 1. XXXX  XXXX Bankruptcy - Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-21
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. (FL)

Hi TransUnion, I just received a copy of my credit report and I found this fraud account that shall delete from my credit report. XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$1500.00} is fraudulent because I never opened this account and unauthorized transactions has been made on this Fraud account. This Fraud account was opened without my knownleage and XXXX delete from my credit report. I spoke with XXXX XXXX fraud team manager and they told I have the right to delete this Fraud account.
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)

tMy name is XXXX XXXX XXXX and I AM A VICTIM OF IDENTITY THEFT. These fraudulent names, inquiries, and address, addresses, and names listed below are NOT MINES AND ARE FRAUDULENT. I am providing proof of identity. Proof of SSN and proof of address. There is nothing else i need to provide. PLEASE NOTE the FEDERAL TRADE COMMISSION has been notified about this situation. THIS IS A LEGITIMATE DISPUTE and I AM HOPING YOU CAN RESOLVE THIS MATTER AS I AM SUFFERING PUNITIVE DAMAGES from these FRAUDULENT INQUIRIE, NAMES, AND, ADDRESSES, listed below and on the FTC REPORT. I have accompanied with this dispute letter ID # XXXX. PLEASE HAVE SOME URGENCY ON THIS MATTER as I continue to SUFFER PUNITIVE DEMAGES.
Consumer complaint received 2018-01-12
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. (TN)

I mailed a letter to Transunion and they received it XXXX XXXX, 2017. I sent in a letter requesting TRANSUNION not the creditors, to verify specific accounts that are listed on my credit report. I clearly understand that the FCRA requires Credit Bureaus to provide all documents stored on file that were used to verify the information that is being reported on me when requested. XXXX is disputing the with the creditors I listed in my letter. However, this is NOT what I requested Transunion to do. This letter has nothing to do with the creditors.  I am specifically asking Transunion to provide me with proof of these accounts, written contracts or any information to validate the debt, they responded saying they do not have that information. Therefore, the listed accounts are unverified. I am fully prepared to take legal action in order to protect my rights under the FCRA. I am requesting the unverified accounts be deleted immediately under FCRA section 609.§ 609.  Disclosures to consumers (a)  INFORMATION ON FILE; SOURCES; REPORT RECIPIENTS.--Every consumer reporting agency shall, upon request; and subject to section 610(a)(1), clearly and accurately disclose to the consumer: (1)  All information in the consumer's file at the time of the request*I also sent Transunion a photo copy of my Drivers License and SS card*
Consumer complaint received 2024-10-29
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. (OH)

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report by way of violation of my rights with HIPAA. Both the XXXX XXXX XXXX of 2017, and XXXX XXXX XXXX, have breached my information. I need these fraudulent accounts removed immediately, or I will be suing each company listed along with the original creditors. This is also harming my chances at an apartment lease or buying a home.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

To XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXXr Log # XXXX File # XXXX You are required by law to report accurate information ... the information you are reporting has the wrong addresses, therefore it is inaccurate. I understand that under 15USC 1681i ( a ) ( 3 ) ( a ) you are required to complete the reinvestigation within 30 days of receiving this notice. 

Reference # XXXX, Wrong Address, Delete & Remove Reference # XXXX, Wrong Address, Delete & Remove Reference # XXXX, Wrong Address, Delete & Remove The information listed above is inaccurate and does not reflect my true credit file, in accordance with 15 USC 1681i ( 1 ) ( a ). I am requesting that you immediately remove those files The addresses you have on these reference are not my address, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ONLY )
Consumer complaint received 2024-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (WI)

I was behind on some payments, so I created a payment plan to catch up. The first payment went through but then afterwards they started calling me again saying I needed to work with them to catch up on payments. Well, I already did this but for some reason my payment plan seems to have been cancelled by them? What is the point in trying to work with them when they don't honor their payment plans. 

Second of all, they call multiple times a day, both my personal phone and work phone. It's to the point of harassment. Now they have started calling other departments in my place of employment asking to get in contact with me. This is completely unacceptable.
Consumer complaint received 2024-09-26
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. (NC)

I have XXXX accounts still showing Late payments on my XXXX Equifax and XXXX and these accounts are XXXX XXXX showing late for XX/XX/year> on XXXX and XXXX but not XXXX. XXXX XXXX showing late for XX/XX/year> and XX/XX/year> on XXXX and Equifax but not even showing up at all on XXXX. I filed a lawsuit with XXXX already and I am doing the same as of today with Equifax and XXXX.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I contacted Transunion to resolved unauthorized inquires showing on my credit report. I called and spoke to US representative by the name of XXXX. Ive recently checked my credit report and noticed many inquires that were removed during a breach in XX/XX/XXXX- XX/XX/XXXX were reinserted. I DID NOT receive a written 5 day notice informing me about the breach or Transunion reinserting the inquires. This is a violation of the FCFA. Transunion can not continue to violate my rights. 

Transunion are in violation of fdcpa 805. Communication in connection with the consumer generally Without the prior consent of the consumer given directly to the Debt collector or the Express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Plus I had already had a fraud alert on my account which was just added back, but they still refused to remove the inaccurate information.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/year> my husband who is a Capital One Venture card holder, received an email to refer a friend and receive XXXX points. Your friend will receive {$250.00} travel credit and XXXX bonus points. I applied thru the link that was sent in the email. I received credit card and charged approximately XXXX dollars within 3 months, the offer was to charge XXXX in 3 months. My husband received his XXXX points. I never received my points. 
on XX/XX/year> I called Capital One Venture cc, they advised nothing they could do and did a report, ref # XXXX. On XX/XX/XXXX, I received a call back from them, she advised nothing they could do, saying I applied for the wrong credit card, I told her I have copies of everything, I then sent her copies of the email I received and the link I applied on and explained it was the right link since my husband received his points. She called back again on XX/XX/year> after reviewing the copies and again said she could not do anything, and said I didn't apply for the card that received the points, I said it was in the email my husband received and he received the bonus points for a friend signing up for the card! She said that made sense but there is nothing she can do!!!!
Consumer complaint received 2018-01-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I sent a letter to XXXX XXXX on Tuesday, XX/XX/XXXX asking to verify a debt for XXXXUSD that is being reported on my XXXX credit report. 
They did not respond to me within the allotted thirty days. However, it appears that the debt was then sold to a third party collection agency- XXXX XXXX XXXX XXXX XXXX . 
Now, XXXX XXXX XXXX is reporting I owe XXXXUSD as well as XXXX  reporting that I owe XXXXUSD for the same account. 
I contacted XXXX on Friday, XX/XX/XXXX and tried find a resolution to this problem and no one notified me that I could make a formal dispute. They told me to contact the CFPB if I was having problems. 
I contacted the CFPB afterwards and was only told by them that I had a right to make a formal dispute through XXXX.