davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score.
Consumer complaint received 2024-09-11
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. (PA)

I was shocked to discover incorrect accounts on my credit report tonight, and I can't figure out why they're there. I routinely check my report, but this time, random discrepancies popped up. I even refreshed my browser thinking it was a glitch, but nothing changed. The errors remained. Because of this, Im asking for a thorough review of the documents Ive provided, so I dont have to deal with this worry ever again.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated my consumer rights. The following inaccuracy exist in this reporting after re-investigation : " Date of Last Delinquency is XXXX but the reporting states status updated XX/XX/year>. 

Account name : XXXX Account # XXXX
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo had a covid19 program which allowed the customer to put the mortgage payments on hold for 90 days. 

The 90 days are up next week and I am refinancing the mortgage with another company. The other company has a wire to send to Wells Fargo but Wells Fargo will not remove the forebearance or answer the phone to allow my new company to pay them off. 

I have tried online and get through 2 screens when it tells me that I have to call in order to proceed. I have now been waiting on hold since XXXX XXXX  MST and it is now XXXX XXXX  MST. - No one will pickup the phone. 

I am going to lose the lock on my new mortgage because Wells Fargo will not answer the phone or program their websites to facilitate payoffs of existing loans.
Consumer complaint received 2024-09-11
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing to escalate my ongoing complaint against the credit bureausXXXX TransUnion, and XXXX to their continued non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to resolve the disputes regarding inaccuracies on my credit report. 

Despite my previous complaints to the CFPB ( Complaint IDs : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ), all three credit bureaus have failed to fulfill their legal obligations under the FCRA, which requires them to investigate and resolve disputes within the statutory 30-day period. To XXXX TransUnion : After filing my dispute well outside the 30-day window, TransUnion recently requested additional documentation ( proof of residency ) before they would proceed with my dispute, despite already being in violation of the FCRAs timeline. This request appears to be a stalling tactic and an attempt to delay the investigation process further. 

XXXX : XXXX responded with a standard acknowledgment of receipt of my dispute and has since asked for additional time to process the dispute, even though their response came well after the FCRA-mandated 30-day window. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), XXXX is required to delete unverifiable information after failing to respond within the required timeframe. However, this has not been done, and the disputed items remain on my credit report. 

XXXX : XXXX has entirely failed to respond to my dispute, again violating the FCRAs 30-day requirement. To date, I have not received any communication from XXXX regarding the investigation of my dispute. 

Failure to Hold Credit Bureaus Accountable : While I appreciate the CFPB 's involvement in forwarding my previous complaints, the lack of any concrete action taken against the credit bureaus has allowed them to continue violating the FCRA without consequence. Their continued non-compliance has caused significant damage to my financial standing and creditworthiness. The absence of meaningful enforcement has led me to pursue additional remedies. 

Next Steps : Due to the failure of XXXX, TransUnion, and XXXX to comply with the FCRA and the lack of accountability, I will be filing a formal complaint with the New York State Attorney Generals Office to seek enforcement of my rights as a consumer. I believe the credit bureaus must be held accountable for their ongoing violations of consumer protection laws.

I am requesting that the CFPB take immediate and decisive action to hold the credit bureaus accountable for their non-compliance, including enforcing the removal of the disputed items from my credit report as mandated by the FCRA. Should this issue remain unresolved, I will continue to explore further legal remedies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-28
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. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2020, I made a payment on the above-named account in the amount of {$260.00} to satisfy the minimum payment. The billing cycle for this account is 31 days and it ended on XX/XX/2020 ( see attachment ). On the morning of XX/XX/2020, I paid off the remaining balance on the account in the amount of {$3700.00}. These two payments together totaled {$3900.00} which was the amount I owed on my monthly statement. When speaking with Virginia BOA representative ( Ms. XXXX XXXX she told me that I had paid off the account and my account paid in full. I was notified on XX/XX/2020 that an additional {$32.00} was owed on the account. I was confused as to why I had to pay this amount since I : ( 1 ) satisfied the total amount owed in the pre-cycle balance at XXXX XXXX  on the last day of the billing cycle ; ( 2 ) did not have any transactions fees that would be subject to daily or annual interest calculation ; and ( 3 ) did not have any transactions posted at the beginning of the new billing cycle that was subject to interest accrual. The interest accrued was not in accordance to how BOA stated they calculated interest on my average daily balance, which states : To calculate a daily balance for each day prior to this statement 's billing cycle that had a Pre-Cycle balance : ( 1 ) we take the beginning balance attributable solely to Pre-Cycle balance ( which will be XXXX on the transaction date of the first Pre-Cycle balance ) ; ( 2 ) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day 's daily balance ; ( 3 ) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. 

So, on XX/XX/2020 I paid the {$32.00} and BOA issued me a new statement of {$0.00}. BOA incorrectly charged me equal to one percent ( 1 % ) of my APR when I paid off the entire balance by the end of the billing cycle. I am asking for a refund of the {$32.00} that was incorrectly calculated and billed to my account.
Consumer complaint received 2020-06-29
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. (IL)

In trying to resolve a disputed error on my credit report with XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX, MN for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry of 60 days back in XX/XX/XXXX as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus Equifax, XXXX  and XXXX  and creditor directly. On XX/XX/XXXX, I submitted this directly to CFPB Agency and they have confirmed and received documented information re ; this dispute from XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX XXXX, MN that they were not able to verify any late payments and the inaccuracy reporting on my account should be removed by all credit bureaus.
Consumer complaint received 2020-06-28
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. (MO)

XXXX is reporting a loan on my Experian credit file that I did not oblige to. The loan is fraud. I've sent my supporting documents on XX/XX/2020 as well as I was in contact with someone by the name of XXXX XXXX on the compliance team and have not gotten a response. The loan amount appears to be {$11000.00}. The address XXXX sent over to me is not an address I have lived at nor is the signature on the documents my signature.
Consumer complaint received 2020-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (MA)

I was victim of identity theft as a result of being XXXX and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me NO billing info. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (IL)

I cl

osed my PNC checking account on the XX/XX/XXXX via telephone and was told that a certified check for all remaining funds ( {$17 000.00} ) should arrive via mail within 2-4 business weeks. On XX/XX/XXXX I called PNC back because I had not received the check. I was told that the issue would be escalated to their customer service team and that I would receive a call from them. 

I received an email and call from XXXX XXXX ( XXXX, XXXX ) of PNC on XX/XX/XXXX. After connecting with XXXX, I was required to fill out an indemnification form, have it notarized, and return to a local PNC branch in order to receive my funds. 

The indemnification form was submitted to the branch on XX/XX/XXXX and I have not received any additional communication from PNC as of today XX/XX/XXXX. 

Seven weeks and counting without receipt of my funds is unacceptable.
Consumer complaint received 2020-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CO)

I have not had XXXX XXXX XXXX as a service since 2009 and when i left them i paid off my account and contract with nothing owed. Today i have a new collection on my report from a collection company that bought the debt from XXXX XXXX XXXX. I've tried to communicate with them and the credit bureaus that this debt is not mine but have not gotten any results. Please help as it is affecting my ability to get the best home interest rates.
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP (AK)

I use a general purpose debit card with the Mastercard logo issued by Key Bank. I use this card only to get cash at the ATM in XXXX. On XX/XX/XXXX I noticed some {$2000.00} + of fraudulent charges on my card statement. I immediately called the Bank and had the card closed. The bank then investiged the fraudulent charges. 11 days later, they concluded that they were not at fault, largely because I had not lost the card. Since that time I have been investigating on my own. One transaction for an amount over {$500.00} was made at a major retailer. I was able to gain the name of the person making the purchase from the receipt. {$640.00} in fraudulent purchases were made at an XXXX bingo parlor, which was not open to the public at the time. When I inquired at the parlor about possible survelliance video they weres, I was told that they were kept on ly two weeks, so they had no information. I plan to initiate legal action in both of these cases.
Consumer complaint received 2024-09-11
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. (MD)

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 1681. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
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)

They/ you guys are clearly ignoring my emails and when I call you say we will look into it. How do you go from XXXX balance agreed XXXX changed on my report XXXX XXXX XXXX to now I owe again to not even giving me the information I asked for to make it legal for you to report? Pull the calls!! XXXX if you have to take me to court to get it done. Remove this XXXX OFF TRANSUNION!! Not even XXXX is replying to me and I even showed proof nobody replies to my emails since XXXX or XXXX even!
Consumer complaint received 2024-09-10
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. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-10
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. (VA)

I am writing to follow up on my previous dispute concerning several inaccurate and unverified accounts on my credit file. Despite my prior request, these accounts continue to be reported, even though they remain unverified and unjustly associated with me.
Consumer complaint received 2020-06-29
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: EQUIFAX, INC. (VA)

I was pre approved by XXXX XXXX for an auto loan. It was a soft inquiry. I found a vehicle with XXXX XXXX XXXX in XXXX, VA and made them fully aware of the loan approval with XXXX XXXX. However without my knowledge, signature, or providing my SSN, XXXX did a hard inquiry on my credit. Filed 2 complaints with Equifax to no avail. Spoke with XXXX finance office representative 2 weeks ago. She was to investigate and call me back. To this date I havent received a response. 

All communications with the sales representative were done via email. A few emails between sales manger and myself.
Consumer complaint received 2020-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (CA)

To whom it may concern : While reviewing my credit profile recently via XXXX XXXX, I discovered an entry from a company by the name of LTD acquisitions. After making many calls trying to determine where this came from/what is was possibly about I came up 100 % empty handed. 

After attempting to find out where this came from, and being referred to ( typically the same phone number where I began. 

I have been a victim of identity theft at least twice, I have to assume that is what this is all about? 


Thanks you in advance for your consideration! 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-10
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. (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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NJ)

i had been a customer for citibank and they wrongly closed my credit card based on non-usage, they swallowed my thank you point of XXXX and now due to a wrongly issued delinquency on my credit report which says its paid. they have denied me another credit card.
Consumer complaint received 2024-09-10
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. (AZ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-06-28
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: CarMax, Inc. (FL)

I was car shopping but couldnt make a purchase because I do not have a valid license. I submitted an inquiry to speak to someone about the car buying process because I have never bought a car before. I have to wait until XXXX to get my license due to covid. This morning I randomly get an email from XXXX XXXX with rates for a car but I have never talked to anyone. 
I checked my credit and saw six inquiries from multiple banks that I Did not authorize at all.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2020-06-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Company ACCOUNT RESOLUTION SERVICES CLAIMED THAT THEY'VE CLOSED AND DELETED REFERENCED ACCOUNT NUMBER XXXX BUT IN FACT THAT'S A LIE! THEY RESOLD THIS ACCOUNT TO COLLECTION COMPANY " XXXX XXXX XXXX '' I'VE ATTACHED SCREENSHOT FROM PREVIOUS COMPLAINT ABOUT THIS COMPANY STATING THAT THIS ACCOUNT XXXX WAS CLOSED AND DELETED THIS WAS NOT THE CASE. THEREFORE I'M PROVIDING PROOF OF THERE LIES. 

AND SEEING HOW THEY'VE OUT RIGHT LIED TO THE CFPB BY MAKING FALSE CLAIMS OF FRAUDULENT DELETION IS AGAINST FEDERAL LAW! THAT'S VIOLATING MY RIGHTS AND DISRESPECTFUL TO THE CFPB 'S INTELLIGENCE! THESE THREE REFERENCED ACCOUNTS NEED TO BE DELETED IMMEDIATELY OR I'LL DEFINITELY TAKE LEGAL ACTION. 

Delete account 's from my credit report : XXXX XXXX XXXX