davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Consumer complaint received 2018-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NY)

My XXXX XXXX XXXX has been expired. Continued late charges have been requested by XXXX XXXX credit card company. The collection activity is unlawful practices. Please, correct it as soon as possible. Thank you!
Consumer complaint received 2024-11-15
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. (TN)

Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account Name XXXX XXXX Number Account XXXX )
Consumer complaint received 2024-11-15
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. (MD)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2018-11-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested debt validation concerning an illegitimate account by the name of XXXX XXXX University reporting to my Trans Union credit report. I originally sent a certified letter to XXXX XXXX University, and then to Trans Union requesting that this debt be validated, and if not, that it be immediately removed as this was never a debt of mine. 

I received notification that the debt validation request was received, however, the debt has not been verified. It has been over 30 days.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-11-15
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. (CA)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$27000.00} XXXX XXXX XXXX XXXX - XXXX - {$87000.00} XXXX XXXX XXXX XXXX - XXXX - {$8900.00}
Consumer complaint received 2024-11-15
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 2019-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: VALLEY NATIONAL BANCORP (NY)

I received this XXXX tax form this week from valley national bank shows {$200.00} interest income. {$200.00} checking account signup bonus was added to my account on XX/XX/18, however, this {$200.00} was claw back on XX/XX/18. That means i received {$0.00} interest income from your bank on XX/XX/2018. It's not fair for me to pay income tax of this {$200.00}. I contacted the bank, but no one was seemed able to help me.
Consumer complaint received 2024-11-15
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. (CA)

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 XXXX5 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 XXXX 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 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to XXXX stating my identity had been compromised. I notated the account that needed to be addressed. Wells Fargo Acct. XXXX. XXXX  stated the account would remain on my credit with explanation responded with validation. XXXX violated sections 605, 609, and 611 of  the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. XXXX has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted Wells fargo and spoke with a customer service rep. that stated she couldn't locate an account at all. I demand this inaccurate information be removed from my credit report.
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (PA)

I received an email offer for an American Express XXXX XXXX XXXX XXXX Credit Card with an annual fee of {$450.00} in early XX/XX/XXXX. The card offered XXXX XXXX points if I charged {$5000.00} in the first 3 months. Also a {$300.00} XXXX/XXXX credit each year of card membership for charges at any XXXX or XXXX XXXX, 1 free night a year, and a priority pass for airport lounges. For my business and personnel travel this would be a good value for me. While doing the on line application a pop came on indicating that if you had a prior American Express XXXX card you may not be eligible for the benefits. I called American Express and indicated that 20 years ago I had a XXXX Credit card but not sure if it was an AMEX, XXXX, or XXXX. I cancelled the card in XX/XX/XXXX. The agent assured me that this would only apply to cards cancelled in the last few years. I did not note the agents name. I received my card around XX/XX/XXXX and proceeded to use it. My first statement was XX/XX/XXXX with a balance of {$3900.00}. A week or so later I received the credit card statement and called American express just to confirm I needed another {$2000.00} or so to get the XXXX points. The agent confirmed this was correct. On Monday XX/XX/XXXX I paid my current balance of {$4300.00}. I called American express and asked when I reached the {$5000.00} in charges how long would it take to get my bonus points. I was told by the agent I would not be getting any of the listed benefits because I had a prior American Express card that I cancelled. I told her that I had informed American Express on 2 previous occasions that I had cancelled a XXXX credit card in XX/XX/XXXX that might have been an Amex card. She informed me that sometimes it takes a month or more before this would appear on my account. I then talked with a supervisor named XXXX, who also informed me that since I cancelled a card in XX/XX/XXXX I would not be eligible for the benefits, this was after speeding over {$4000.00} on the card. I asked why this was not mentioned by the agent when I applied for the card or a month later by the agent when I called to re-confirmed the period of time to reach the {$5000.00}. XXXX informed me that it may take months for the American Express to do the research if I qualified for the promotion. I then cited I should not have been told by 2 American Express agents that I qualified for the promotion. She also mentioned that my wife had cancelled a XXXX XXXX American Express card several years and I had a companion card. My wife 's account was always in good standing and this card was not in my name. I have no problems American Express accepting or denying anyone for a credit card. My complaint is I should not have been told I qualified for the benefits and 2 months later after spending over {$4000.00} told I did not quality. 
PS my credit score is in the 800 range and always pay all credit cards on time.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XX/XX/2018 I Called XXXX XXXX and Paid Complete Balance XXXX ( approx ) In Full Via Phone. 
BEFORE I MADE THE PAYMENT, I ASKED IF THE DEFAMATORY REMARKS AND THE INCORRECT STATUS ON MY CREDIT REPORT WILL BE REMOVED. I SPOKE TO XXXX PEOPLE WHO CLEARLY STATED ALL REMARKS EXCEPT XXXX 60 DAYS LATE ON ANY PAYMENTS WILL BE REMOVED " CHARGED OFF XX/XX/18 '' AND BALANCE OWING XXXX WILL BE REMOVED. 
XXXX XXXX HAS A RECORDING OF THIS CONVERSATION WITH BOTH EMPLOYEES. 
XXXX WEEK OF XXXX I CALLED XXXX XXXX EXPLAINING DEFAMATORY REMARKS AND INCORRECT STATUS NOT UPDATED. I WAS TOLD BY A XXXX XXXX EMPLOYEE THAT THE XXXX STAFF MEMBERS I SPOKE TO WERE WRONG, REGARDLESS IF THERE'S A RECORDING, THEY WILL NOT CORRECT THE ERRORS ON MY REPORT. THIS IS FALSE REPORTING. 
PLEASE LOOK INTO THIS AGAIN. THANK YOU
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

XXXX XXXX XXXX is holding my payoff hostage and stating that even though I requested a payoff that was good through XX/XX/XXXX, and I closed on XX/XX/XXXX until I come up with another {$2400.00}. At the same time, they are telling me I am in default because I didn't pay my XX/XX/XXXX payment, that shouldn't even be due because I closed in XX/XX/XXXX for the refinance. They say that the reason I owe the money is because the escrow account was short, but I pay into the escrow more than enough for taxes and insurance each month, and on top of that, they won't provide me with an escrow analysis to show where my monies have gone.
Consumer complaint received 2018-11-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (DC)

Santander Consumer repossessed my vehicle on XX/XX/18, and failed to notify me prior to doing so denying me and/or family members the option and legal right to resolve any delinquency prior to repossession as I had been hospitalized for 3 months and Santander had been appropriately advised. 

While repossessed, money {$3700.00} ; {$100.00} Visa Gift Card ; taken from my wallet which was inside the vehicle {$240.00} in groceries inside the trunk ; when it was repossessed ; and for severe damage the vehicle incurred while in their possession e.g., biological hazard, specifically, mold, front and rear fender ( s ) damage ; and damage to the rear upholstery of vehicle. 

PLEASE SEE ATTACH EMAIL COMMUNICATION TO XXXX XXXX, CORPORATE OFFICE OF SANTANDER FOR DETAILED EXPLANATION.
Consumer complaint received 2024-11-15
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 2024-11-15
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX To Whom It XXXX Concern, I am writing to file a formal complaint regarding an account that has been inaccurately re-reported by TransUnion after a previous investigation and deletion of the same account on XX/XX/year>. This account is being inaccurately reported only by TransUnion, while XXXX and XXXX have correctly excluded it from my credit report. 

This situation violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy and completeness of the information they report. Specifically, I would like to bring attention to the following FCRA provisions : XXXX. Section 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The fact that TransUnion re-reported an account that was previously deleted after an investigation is a direct violation of this responsibility. 

XXXX. Section 1681i ( a ) ( XXXX ) ( A ) : Under this section, if a disputed item is found to be inaccurate or unverifiable during a reinvestigation, the credit reporting agency is required to promptly delete the item. Despite having already removed it after an investigation, TransUnion 's decision to re-report the account is contrary to this provision. 

XXXX. Section 1681c ( a ) ( XXXX ) : This section requires credit reporting agencies to exclude obsolete or unverifiable information from a consumer report. The account in question is unverifiable, as evidenced by the previous investigation, and neither XXXX nor XXXX are reporting it. 

TransUnion 's re-reporting of inaccurate information has caused undue harm to my credit score and financial well-being. Given that this account was previously removed, I am deeply concerned that TransUnion is failing to maintain the integrity of my credit report and ensure it complies with federal law. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take action to ensure that TransUnion : XXXX. Permanently delete this account from my credit report. 

XXXX. Implements stronger procedures to ensure compliance with FCRAs accuracy and reinvestigation requirements. 

XXXX. Provides documentation confirming the deletion and steps to prevent future inaccuracies. 

Enclosed are the following documents for your review : A copy of my current credit report showing the re-reported account. 

Credit reports from XXXX and XXXX show no record of the account. 

Copies of correspondence between TransUnion and me regarding this issue. 


Thank you for your attention to this matter. I trust that your office will ensure a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXXommunication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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.