davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-27
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. (FL)

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-06-25
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. (FL)

Fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent, significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Documentation from the XXXX XXXX XXXX confirms that these debts have been consolidated attached.
Consumer complaint received 2023-06-27
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. (IN)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, IN  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-27
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00XXXX XXXX XXXX XXXXXXXX Balance : {$500.00}
Consumer complaint received 2024-10-27
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: EQUIFAX, INC. (LA)

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 2024-10-27
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. (LA)

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 2019-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I disputed a collection account on my credit report inXX/XX/XXXX that was put on there by PROCOLLECT. They didnt send back enough proof but just a one page printout of a bill I supposedly owed XXXX XXXX. I sent them back a letter asking for the entire bill which they state they didnt get. 
XX/XX/XXXX I Also contacted XXXX at XXXX XXXX to get a copy as I had already spoken to XXXX in XX/XX/XXXX about sending me different bills for the same Account that was closed. 
XX/XX/XXXX In a message I have recorded XXXX Explained to me that since the account is already at PROCOLLECT it will take them at least 48 hours to get the billing history from PROCOLLECT since they werent providing it to me. I could also attempt to get the same from PROCOLLECT. 
XX/XX/XXXX I sent a certified letter to procollect that they still state the didnt receive. USPS tracking number XXXX. 
XX/XX/XXXX. I recieved a call from PROCOLLECT that I have a recording of in which the representative stated 1. Falsely stated that they have never recieved any of the information for requests that I sent. and she wouldnt listen to anything I said.

2. The representative stated that thier client who is XXXX  had not reached out to them.

3. Falsely stated that I refused to pay 4. stated that if I dont pay by the XX/XX/XXXX they'll just re-report it to the credit bureas.
Consumer complaint received 2023-06-25
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. (CA)

XXXX and XXXX are the same institution. 

Due to a recent transfer of government loans providers ( early XX/XX/ ), my student loans are duplicated by all 3 credit agencies ( XXXX, XXXX and TransUnion ). Current balance totalling {$100000.00} instead of {$50000.00}. 

XXXX sent me an official letter stating the issue they encountered with their system which I already provided to them. 

I have been contacting all 3 credit agencies online and by mail to correct the duplicated balance without having a successful outcome. 

This is affecting my ability to buy a house due the debt is showing on my credit report.
Consumer complaint received 2020-09-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CA)

I opened an account with Transferwise, my credit card was charged with the following charges : XX/XX/2020 TRANSACTION FEE Fees & adjustments {$10.00} XX/XX/2020 TransferwiseCom_USD Personal {$9.00} XX/XX/2020 TransferwiseCom_USD Personal {$51.00} Total Charges {$70.00} I was trying to use the service to send money abroad and I was Told by their customer service representative that the account was closed, I request a full money refund. So far I haven't received any refund, funds or any communication from this company, They decided to keep my money.
Consumer complaint received 2023-06-27
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. (LA)

Dear Sir/Madam, I am writing to dispute the validation method used by your agency regarding a collection account that appears on my consumer report. The account in question is listed with XXXX ( XXXX XXXXXXXX XXXX XXXX  and is reported by TransUnion, XXXX, and XXXX under the account number XXXX. 

Upon reviewing the information on my consumer report, I have noticed inconsistencies regarding the validation and reporting of this collection account across all three credit reporting agencies. This dispute was validated and closed on XX/XX/2023 with verification documents mailed to me. How is that so? Please provide clarity on how an account that clearly reads not verified on my consumer report was validated.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

On XX/XX/2023, I hired a HVAC installer named XXXX XXXX through Home Depot to purchase and install heater. They offered to do the job at {$8000.00} with 24 months interest free financing offer. I took the offer as 24 month interest-free means additional 10 % discount given 5 % risk free rate. 

After the job is done, within a month, Home Depot sent out a credit card statement saying that I have a monthly payment due. I believe that was late XXXX. I immediately called the number at the statement, which turned out to be Citi 's credit card department. I let them know that I signed up for 24 month interest free promotional offer, and the agent confirmed the offer. I made sure that this is not an installment payment, but bullet payment without any interest as long as I pay the full amount in 24 months, which the agent agreed. 

However, with a month they sent out another statement in XXXX stating that I have a monthly payment due again. So, I called them again in the third week of XXXX, and made sure that I don't have any payment due, which the agent agreed again. I demanded written confirmation, and the company sent out a letter stating that this is a 24 month promotional offer, but didn't mention anything about monthly payment. 

Yesterday, on XX/XX/XXXX, I found another statement saying that I have a balance due with a late fee. I called again, and now they are saying that I have a minimum monthly payment due each month. I complained about their misleading statement and demanded them to listen to the previous conversation. An account manager listened to the files and admitted that their explanation was indeed misleading and not clear. They offered to waive fee but still asked for minimum payment, and I offered to pay for it as the account manager said there is nothing she can do to prevent minimum monthly payment.

Throughout the entire process, Citi 's explanation was at best confusing and misleading. I don't think Citi or Home Depot should have taken such misleading offers to the customers. They didn't send any contract nor disclosed any expected monthly minimum payment before sending out statements, and even after receiving the statement, they failed to mention that there is a minimum monthly payment needed. 

I urge CFPB to crackdown on such misleading offer because I would not have taken the entire offer knowing that this is not 24 month interest free as they promoted.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, 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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX XXXX 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Consumer complaint received 2023-06-27
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. (MO)

I am submitting this CFPB complaint again despite of the multiple previous written requests, the unverified items listed here still remain on my credit report in violation of Federal Law. They failed to comply with Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following items should be removed immediately from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-03-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Home Mortgage services my loan. XXXX # XXXX. At their prompting I began to set up online access to my loan for information and payments. While reviewing the terms and conditions I found language that would give Wells Fargo permission to disregard some of the benefits granted by the VA loan guarantee. In particular, VA loans require that lenders allow early payoff without penalties and fees. If I had agreed to the terms and conditions I would be giving Wells Fargo the right to decide whether they wanted to allow early payoff or not. I clicked that I did not agree with the Terms and Conditions and stopped trying to access Wells Fargo online. I received numerous emails requesting that I finish setting up the online account. I spoke to Wells Fargo Home Mortgage on the phone to stop the harassment. I was informed that I would continue to receive emails because they were automated. They said if I wanted to stop them I would need to finish setting up an online account and go through the notification preferences. I explained that was not an option because I was unwilling to sign away the benefits of my VA guaranteed loan. They lied and said that I would not be doing that. I informed the customer service rep that the language was indeed in the terms and conditions they said that Wells Fargo would never exercise that condition. I requested that I be mailed a paper copy of their online terms and conditions. My request was refused because I had chosen to not participate in their online services. I wonder how many Vets have unwittingly signed away their protections just for the privilege of making online payments?
Consumer complaint received 2019-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I did not authorize CAPITAL ONE AUTO FINto review my credit report. I have a extend fraud alert on my credit reports. CAPITAL ONE AUTO FINdid not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX  reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC. (NJ)

I would like to file a complaint with the Consumer Financial Protection Bureau regarding a situation where I was deceived into signing up as the primary signer for a car loan for a very old car, with Ally Financial, instead of being a co-signer as originally intended. Both my ex boyfriend, whom I was co-signing for, and I had poor credit histories and low income. At the time, I was already paying off my own car loan. The lender 's decision to involve two individuals with inadequate credit in the loan agreement seems highly predatory and unethical. 

Throughout the loan term, I struggled immensely to manage the financial burden of two car loans, as my ex-partner refused to contribute to the payments. Only after my ex received a lump sum of money from COVID relief funds was the car loan finally paid off. Unfortunately, the repercussions of this experience have left a lasting impact on my credit, making it extremely challenging for me to obtain a new car or a home. I believe that the lender 's actions were not only predatory but also racially discriminatory, as they deliberately burdened me with a loan that they knew I could not comfortably afford, given my credit and income. 

Looking back, I regret not having filed for bankruptcy, as it would have allowed me to clear my credit by now. I sincerely hope that the Consumer Financial Protection Bureau can investigate this matter thoroughly and address the unfair practices employed by the lender. It is crucial that action is taken to prevent others from falling victim to similar predatory and discriminatory practices in the future.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX To whom it may concern I have tried to resolve this problem with TransUnion I have already told them that there are two XXXX XXXX hard inquiries showing up on my credit report that I did not give permissible purpose also I have spoken to XXXX XXXX about these hard inquiries on my credit report they sent me a letter stating that they were fraudulent I would like them removed or shall I say deleted from my credit report immediately I will post the letter from XXXX XXXX stating that these inquiries were fraudulent here is the letter that XXXX XXXX sent me about these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX is a federally registered service mark. All rights reserved. 
XX/XX/XXXX Re : Fraud Applications XXXX  XXXX Case : XXXX CFPB Case : XXXX Dear XXXX XXXX XXXX Were reaching out to you about your request to the Consumer Financial Protection Bureau ( CFPB ), regarding hard inquiries you said were showing on your credit file. 
On XX/XX/XXXX, and XX/XX/XXXX, we received applications for credit using your information. Our Fraud Department was unable to confirm these applications were submitted by you. 
On XX/XX/XXXX, we sent a request to the Consumer Reporting Agencies ( CRAs ), asking them to remove the hard inquiries dated XX/XX/XXXX, and XX/XX/XXXX. The CRAs will determine how these are reflected in your credit file. If theyre unable to remove the hard inquiries completely, they may change them to soft inquiries. Soft inquiries do not have any impact on your credit score. It may take the CRAs up to 90 days to update their records. 
If youre concerned that youre a victim of identity theft and have not yet placed a fraud alert on your credit file, you may consider contacting the agencies directly to do so. Here is their contact information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX www.equifax.com TransUnion LLC Attn : Fraud Victim Assistance Dept XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX www.transunion.com For more information regarding identity theft protection, please visit our website at XXXX. 
Additionally, you referenced an additional inquiry showing with US Bank on XX/XX/XXXX. 
XXXX XXXX is unable to speak on behalf of other financial institutions. Please contact US Bank for any additional questions or concerns you may have regarding the additional inquiry included in your correspondence.If you have questions or concerns, please call XXXX. Our Customer Service Representatives are available 24 hours a day, 7 days a week. 
Sincerely, XXXX XXXX XXXX XXXX XXXX cc : Consumer Financial Protection Bureau please delete these hard inquiries immediately from my credit report also send me a updated credit report reflecting these changes sincerely XXXX XXXX XXXX