davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, US DEPT ED : XXXX. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (MD)

While renting a car from XXXX XXXX XXXX XXXX XXXX ) I was involved in an accident on XX/XX/2017 in which the damages {$460.00} were less than my deductible therefore making me liable for the payment for repair. Upon returning the car for repair on XX/XX/2017 I was allowed to continue to rent that specific car XXXX XXXX XXXX XXXX XXXX. That same day, of no doing of my own I was put on a payment plan for the money owed for the car repairs by the manager XXXX because I continued to rent cars from XXXX XXXX XXXX. From XX/XX/2017 to XX/XX/2017 I payed the money for the car repairs and ended my rental period with no balance owed. On XX/XX/2017 I received a letter from XXXX XXXX XXXX stating I owe a balance of {$560.00} to them because of non payment to XXXX XXXX XXXX. I responded to the claim through email stating that no balance is owed and I have all receipts. I later see on my credit report a collections account for {$770.00} from American Collection for XXXX. I disputed the claim and asked for verification from the credit bureaus and American Collections and received an updated amount from American Collections for {$110.00} owed. I have disputed this claim repeatedly ( 3 times ) with no success of removal. I have also sent proof through receipts and still no success.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-06-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (TX)

This company XXXX XXXX XXXX is trying to collect {$16000.00} from me for a bill they claim I owe. They purchased this debt from XXXX XXXX with whom I have already contacted and they removed the item from my credit report. 

XXXX XXXX XXXX is now trying to collect {$16000.00} for a car that BRIDGECREST FINANCIAL sold at auction 5 years ago.BRIDGECREST FINANCIAL DELETED THIS ITEM FROM MY CREDIT REPORT and now XXXX XXXX XXXX is trying to collect a debt on a car which I no longer own and for which the account has long been settled between myself and the original creditor I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX  with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX  '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2024-10-02
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. (NC)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. 

Below are the details of the account in question : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is XXXXXXXX XXXX from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (IL)

Hi. 

Name is XXXX XXXX. 

I requested closing my US Bank Account because fraud activity : 1. A  transaction with XXXX. 
2. A transaction with XXXX XXXX. 

It shows pending transactions and completed when the third party did not cashed out the money requested by them & me. 

Now they opened the account using those fraud activities so they can charge me for a dispute that was opened a month ago and was rewarded to me ( XXXX - One month charge, one month free, they wanted to charge both months, so not. And I tried to send the information to be done with that dispute but nobody answer in the direct line & called the 800 fraud department and was told account was close, so I did not send the information. 



Name is XXXX XXXX. 

As I said they opened the account and had me negative balance out of evil, because I was calling and calling and dispute with them and requested account closed. 

I called again as of today XX/XX/2020 and they asked for the information again but no guarantee that the account will be positive. 

Then they should had not close my account with the dispute or opened it again with the same fraud activity that made me close it in first place. 

I think it cancels it out. 

I do not had time to deal with them. Need your help. Thanks. 

In fact they lied as you can see in final letter, they send, there was not credit and deposit of {$36.00} Dollars. What it was - {$36.00} Dollars. 

Thanks. 

I need them to reverse that negative balance. And close my account with a positive. And no reporting to any credit bureau. 

In fact they owned me for {$44.00} from XXXX XXXX 

The {$20.00} from XXXX they returned but that was after closed account when it should had not appeared at all as completed because XXXX XXXX XXXX from XXXX, she never cash it out. 

And yes XXXX XXXX order and the confirmation tell me bank authorized, confirmed it, was pending, so it appear like they got it, but it, pending but never received the money because US Bank. 

Thanks.
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 status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am the parent/co-signer on my son 's student loan that is serviced by XXXX XXXX/XXXX  XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX XXXX reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX  sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that XXXX XXXX  has no process to settle accounts. I want to be able to settle the account due to the unfair damage XXXX XXXX XXXX caused me on my credit report.
Consumer complaint received 2020-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AL)

Great morning Thank you for your assistance. I am the daughter of a Veteran. The ex wife of a service man. And the mother of an XXXX. I work hard with an established career of over 20 years. 

As with all people life happened and I got behind on my bills. This has happen in the past when my grandmother and father passed away months apart. I worked with GMAC to get to them my home. I thought that the mortgage with being extended for 5 months. It turned out my fixed 30 year mortgage signed in XX/XX/XXXX was extended to XXXX. That is not helpful to me at all. 

In XXXX due to everything going on. I got behind on my mortgage again. I asked for assistance from PHH. During this time PHH has reported me being behind which caused my credit score to drop extremely low. The modifications was discussed and received last week. When I found out it is a new 30 year mortgage I was XXXX. How is this helpful? I advised the PHH representative that I was not interested in starting a new mortgage. This was not my intention at all. I asked about their credit reporting stating I was $ XXXX behind. The representative advised it was due to the pandemic and them not being able to work on my request. 

I researched information online and discovered mortgage companies are targeting XXXX people and keeping them in mortgages not helping them as the modification should be used to. I am requesting that PHH mortgage company is looked into for these unfair practices. I do not want a new 30 year mortgage. At this point I feel like my mortgage should be considered paid in full and the title released to me.Both GMAC and PHH mortgage company fell to help me. Both companies are trying to keep me in mortgages for life.
Consumer complaint received 2020-06-29
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: Experian Information Solutions Inc. (NY)

To Whom it may concern. I have a few unauthorized things I would like to be removed from my credit report and all credit reporting companies as I am being hit with hard pulls I never applied for. The dates are XX/XX/2020, XXXX, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020. I recently applied for a XXXX  card and that's it all this other stuff is bogus or fraud. I never signed any papers. If they can show validation I'd love to see it because I never tried to do any business with above. XXXX XXXX that's another inaccurate thing on my credit file in marks section. I will show you pictures of everything.
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WI)

SLS Loan # XXXX : I approved a loan modification on this loan too pay {$910.00} starting XXXX. However, each month my payment amount has been over {$910.00} but I am still not current. I am told that my monthly payment is now {$1100.00} per month over {$200.00} more than the agreed upon amount. FRAUDS : like these are an ongoing problem for XXXX Borrowers & over the last 10 years I have complained about these crimes to your organization commited by XXXX XXXX XXXX, XXXX & SpecialiZed Loan Servicing. IF, there are any Consumer PayOUT , I $ hould be XXXX $ T in LINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX. ATTACHED FRAUDULENT XXXX STATEMENT
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Failed to provide me with how they verified an alleged debt when requested and are in multiple violations that go against the FCRA. They said they verified the debt, how? Did they get on the phone call? According to the FCRA, all reports have to be reported correctly, that's a violation and grounds for deletion. 609a, 1, A and sec 611a, 1, A No Contract with my signature on it. Comply with sec. 111, 5, A FCRA and DELETE that non-valid account immediately or a lawsuit will pursue.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (UT)

I had in XX/XX/XXXX charges made on the c/c for XXXX. 
XX/XX/XXXX I asked XXXX for the refund charges of {$170.00} & XXXX = {$330.00} ; and they were processed, see attached. 

This account is closed, as we have had HORRIFIC customer service and numerous emails, situations, and previous complaints filed with CFPB. Therefore, we can ONLY deal with the " Executive Branch ''. 

XXXX, my wife, spoke with XXXX from this Executive branch on another problem on XX/XX/XXXX ; and she told u she would not be handling this claim but that XXXX XXXX would be. 

We then emailed XXXX XXXX that day @ XXXX, in addition to the CFO XXXX XXXX, and another email XXXX stating we needed this credit amount of {$330.00} put back into our account # XXXX which they do have ( as XXXX had to transfer a previous {$900.00} ish on another claim that Citibank refused to process on time ) or they can send us a refund check. 

We emailed again XXXX XXXX, XXXX & the Executive response unit on XX/XX/XXXX at XXXX showing them the credits were on my account and we need our $ sent back. 

They still have refuse to contact me, and/or to send back our refund money legally due to us. 

I have proof of all the emails sent to them, XXXX showing it was done weeks ago, and proof of the credit sitting on the account.
Consumer complaint received 2020-05-19
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. (CA)

XXXX XXXX reported our mortgage late back in XX/XX/2019 in error. They responded with a letter acknowledging the error and stated they would notify the credit bureaus to remove the late remark. 

It has been removed from all credit bureaus except TRANSUNION. 

We would like Transunion to remove this late remark from both our credit reports since it is affecting our credit.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report
Consumer complaint received 2020-06-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$1700.00}, {$2300.00}, {$31000.00}, {$23000.00}, {$5900.00}, {$48000.00}, {$1300.00}, {$2200.00}, {$0.00}, {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Consumer complaint received 2020-06-30
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$1700.00}, {$2300.00}, {$31000.00}, {$23000.00}, {$5900.00}, {$48000.00}, {$1300.00}, {$2200.00}, {$0.00}, {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Consumer complaint received 2020-06-30
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)

Im demanding that the following unauthorized accounts be removed from my credit file. These accounts are an direct result of my identity being lost and compromised. Please remove the following. 

1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX 5 ) Dept of EDXXXX XXXX {$31000.00} 6 XXXX XXXX XXXX 7 XXXX XXXX 8 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX