davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report.
Consumer complaint received 2024-11-05
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. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been a loyal customer of Bank of America for over 10 years, in that period that bank of would grant its customer 24 hours to correct the mistake of a overdrawn balance. However recently on XX/XX/2018 was charged 3 overdraft fees of XXXX  dollars each for transactions i did not authorize. I spoke to Bank of America 's customer representative named XXXX XXXX but she kept saying over and over again she would not refund the fees even though a full 24 hour period was not granted to me to fix the overdrawn balance before these fee were charges onto my account. I am struggling college with tens of thousands of dollars of debt already, i feel i have been fighting with BOA 's aggressive and predatory overdraft fees for several years now. Please help with this issue.
Consumer complaint received 2024-11-05
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)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I have disputed a incorrect information on my chexsyatems report in XX/XX/XXXX and ask for evidence in there investigation and they have failed to yet provide me with any evidence and it has been well over 30 days now.

The dispute in question is from XXXX XXXX XXXX XXXX, I had an account with them back in early XXXX to late XXXX and I close the account because they keep on causing problems with the account, ( example. ) I had an employer direct deposit in the account and they would let him after deposit my pay he would go back in my account and withdraw everything out my account then put back what he want to, so I reported the matter to the police and had the account close, now on My chexsyatems report XXXX XXXX XXXX XXXX is reporting that my account with them was NSF.

I have ask chexsyatems to verify and validate the account and provide me with evidence and they refuse to.

I have all my communication with chexsyatems if need and I have not contacted XXXX XXXX the matter.
Consumer complaint received 2024-11-05
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. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of ID theft and noticed a account on my Trans Union credit report. I received a letter from XXXXXXXX XXXX to remove from to delete from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This notice addresses unvalidated late payments on my credit record that remain unresolved despite my written dispute submitted over 30 days ago. Your failure to respond or provide validation within the required timeframe violates federal law.
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. (CA)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-11-05
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. (CT)

I have learned that my credit report contains some incorrect information. I am requesting that the three bureaus remove this incorrect information. Such misinformation damages my credibility. If the three bureaus do not take action, I am prepared to file a case against them
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Personal Information Dispute : The following incorrect personal information must be deleted immediately as it is unverified and inaccurate : - Incorrect Previous Address : XXXX XXXX XXXX, XXXX, MA XXXX - Current Address : XXXX XXXX XXXX, XXXX XXXX, CT XXXX - Incorrect Name : XXXX XXXX XXXX - Incorrect Previous Address : XXXX XXXX XXXX, XXXX, MA XXXX - Incorrect Employers : XXXX XXXXXXXX XXXX CA, XXXX XXXX AdditiXXXX XXXX XXXX XXXXIncorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CT XXXX - This address is invalid, not associated with me, and I have never resided there. Despite previous requests for removal, this non-deliverable address remains on my file, potentially jeopardizing my identity security. I demand immediate deletion. 

Account Disputes : I am disputing the following accounts due to inaccurate or unverified reporting. Provide documented evidence substantiating these accounts, or remove them entirely XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX Collection Dispute : The following collection entry is disputed. If verification can not be provided, it must be deleted from my report : XXXX XXXX XXXX XXXX  Account No. XXXX Inquiry Disputes : I am challenging the following unauthorized inquiries and demand their removal if they can not be substantiated by consent documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple )
Consumer complaint received 2018-07-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I received a court summons on XX/XX/2018. I immediately called the law firm representing the debt collector in order to establish a payment plan for the debt. I made my first payment that very same day. 

During the phone call, I was concerned about the continuation of this lawsuit and a judgment being held against me for the debt, so I asked the representative on the phone if I should answer the lawsuit or not, and she advised me to not file an answer, since I just agreed to pay monthly. 

I offered a settlement via email to the law firm two weeks ago of roughly half the amount of the debt and it was never answered. 

I just called the court today ( XX/XX/2018 ) to confirm the lawsuit was dismissed, and the court confirmed that the law suit in fact had NOT been dismissed and I only have one business day left to submit an answer to respond to the law suit. 

I called the law firm today as well ( XX/XX/2018 ) right after and inquired about my debt, the law suit, and if they would be willing to submit a voluntary dismissal because I am making monthly payments and have agreed to pay my debt. They refused and repeatedly stated they want a judgment from the Court against me. I am unsure wether or not my monthly payments are actually going towards my debt, or if my payments are being made in vain. 

The law firm did offer a letter stating my balance of my debt. That doesn't help me and still doesn't explain or confirm what the law firm will do once my debt is paid. 

I wanted, in writing, an agreement with the law firm and their client, to dismiss the law suit in exchange for me making monthly payments, and they said they would not do that. The representative also stated that the lawsuit will remain open and that they will continue to pursue the judgment wether I make the payments or not. I don't know if they have updated my balance with the court after making my first payment.
Consumer complaint received 2018-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have concerns about my mortgage payments and why so little, over the course of nearly 15 years, has been applied to the principal. My mortgage has changed mortgage companies several times and is currently held by Select Portfolio Servicing. Im curious to see if records have been kept accurately and my payments applied to my advantage. 

I purchased my home around XX/XX/XXXX for {$140000.00}. In XX/XX/XXXX, records show I refinanced for {$180000.00} -- I do not remember doing this. Now, 14 years later I owe {$150000.00}. I'm curious to know why the total remains so high. Although I got behind when I was unemployed and underemployed for about 8 years, every payment was made, even if they were made late. For 18 months it was paid through Illinois Hardest Hit. 
Roughly calculating, over the course of these last 14 - 15 years ( with my house note fluctuating from a low of approximately {$1200.00} and to a high of nearly {$2200.00} ), my debt has been reduced by about XXXX.  Estimating monthly payments at a low level : {$1200.00} x 12 months per year = {$14000.00} {$14000.00} per year x 14 years = {$200000.00} All things considered, interest rates, insurance and taxes I've paid {$200000.00} to reduce my house mortgage by {$30000.00}. 

{$200000.00} ( total $ paid ) - {$30000.00} ( applied to principal ) = {$170000.00} ( remainder ) Over 14 years where has this {$170000.00} been applied? Interest, insurance, fees. 

Again, roughly speaking since I am not working with actual numbers, about : 15 % has been applied to the principle ( some months as little as {$20.00} ) 85 % to other. 

Now, I'm curious to see how my payments have been applied and if the processes used have been fair and legal. Id also like to get solid answers and gain an understanding of why I continue to owe so much. Thank you.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

I requested thru AnnualCreditReport.com my yearly FREE credit report on Equifax TWICE and NEVER received my FREE Report. When I was able to get an Equifax report by paying for a service elsewhere, then several times I tried to " Dispute Equifax '' on the Equifax website. Their " Dispute Equifax '' form opened up ( XXXX XXXX XXXX ) but unless you had a 10-Digit complaint number, The website form would never connect and it would get you no-where.
Consumer complaint received 2018-10-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: FULTON FINANCIAL CORPORATION (NJ)

I closed my savings account at Fulton Bank of New Jersey XXXX branch on or around XX/XX/18 or XX/XX/18 and the complete balance of {$48000.00} was given to me in a check which I deposited at another local bank. Since then I have been getting collection letter notices saying that my account has been overdrawn since XX/XX/2018 and they are trying to assess me overdraft fees when I don't have an account there since I closed it. Now they are threatending to send my name to a consumer reporting agency ( letter from XX/XX/2018 ) attached. I am XXXX years old and elderly, please contact my son who is helping me file this electronically ( I have included his phone number ) - can you please help me and work with my son in getting them to leave me alone, and stop trying to assess overdraft fees on an account that I don't have any longer and which has never been overdrawn, and keep my good credit record intact.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I have visited Experian 's website on several occasions to get credit information regarding my personal credit. they have you sign up for a free credit report and they require you to give you a credit card number to be charged XXXX dollar to make sure you are the intended user. will after my first experience last year if you do not cancel the free credit report, they start charging you XXXX monthly. well after many attempt to stop the service and get a refund, They followed through. So I was looking at old book marks on my computer and just happened to click on Experian 's website and it automatically signed me in to an old account that i was sure I closed for the membership. Will I was checking my bank statement a day later and noticed a charge for XXXX from Experian and so I contacted them to see why i was charged. I was told that I was enrolled in there membership program. I told them that I did not authorize this and that I wanted a refund and to have my personal credit card number removed from there data base. I was told they would refund me the full {$21.00}, but they could not take my credit card number off of there data base. I am fearful that this will happen again. to make matters worse, this happen to my wife as well. My membership number with them is XXXX. Please look into this unfair business practice for they should be protecting my credit information and not holding me hostage on a credit report Business opportunity scam. Thank you for your attention to this matter and i look forward to your follow up. best regards, XXXX XXXX
Consumer complaint received 2018-10-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (GA)

XX/XX/2018 XXXX XXXX XXXX was listed as a collection on my credit report for the amount of {$5500.00}. I did not receive any notification of this debt before posted to my credit. I disputed this debt with all 3 credit bureaus and was notified that the debt was verified. In XXXX I recieved a bill from XXXX XXXX XXXX for this same debt. Tried to speak with persolve legal group about the debt and was notified that they no longer have this debt. So I asked for validation of this debt from the credit bureaus and recieved a reaponse from XXXX XXXX XXXX. I contacted them once again and they told me again that they no longer have this account and that I would need to contact XXXX XXXX   XXXX which is who is listed on my credit reports. XXXX XXXX XXXX  does not have a working number. The address is not valid. I researched the company and found no way of contacting them. Asked persolve legal group for a working number or address for the company and they do not have either. This debt is on my credit and I have no way of resolving it or removing it. The credit bureaus are not doing there job as far as the verification process and validation of this debt.
Consumer complaint received 2018-10-02
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: CITIBANK, N.A. (GA)

I always ask vendors if they are pulling a hard credit inquiry and, if they are, I refuse their product, unless I'm shopping for something specifically that requires it. I try to keep hard credit pulls to one or less a year. 

The following companies are listed on my credit report as pulling a hard credit inquiry without my express permission : XX/XX/XXXX - CBNA ( I have no Citibank XXXX XXXX XXXX XX/XX/XXXX - XXXX ( The only service monitoring my credit activity is XXXX. I don't recognize XXXX. ) XX/XX/XXXX - THE CREDIT ( I don't recognize this company and have not expressly given them permission to pull a hard inquiry. )
Consumer complaint received 2018-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

Seems that 2 months ago Navient committed two illegal acts : -WITHOUT MY REQUEST OR CONSENT changed my accounts arbitrarily to be in deferment status until XX/XX/XXXX or so of this year -INCREASED interest rates from 6.79 % to 8.25 % - I sent several additional payments made directly FOR PRINCIPAL ONLY. and they are not been applied accordingly to reduce the primary debt I never applied for any kind of deferment nor requested any kind of changes. This is a repeat problems as about 18 months ago they did the same. Why are these rats allowed to do this? They have been sued repeatedly across the nation for such misconduct and yet the government still allows them to continue to do this. 

I demand a full investigation and removal of all financial charges created by this fraudulent transaction.