davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are XXXX damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-15
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. (TN)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Dear, BANK OF AMERICA I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditor is violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to this company notifying you guys that this listed account is fraud. My information isnt protected, and this credit bureau and company isnt honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this company, this company did not honor my rights or acknowledge my supporting documents regarding identity theft. This account was open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from this creditor, and assisting to furnish a wrong, and fraudulent account. I demand this account be removed ASAP. 

How dare you claim these allegations towards me sending a letter of what perpetrators did to obtain this FRAUDULENT AUTO LOAN, make payments, and try to secure more loans in my name without my consent while I was incarcerated, lets prove this matter in court BANK OF AMERICA. I was incarcerated for 10 years, and I cant even use my credit because this company along with the perpetrators opened and secured a FRAUDULENT AUTO LOAN in my name. Ive reach out to you in good faith and once I fully pursue litigation in court due to a failed secure identity system BANK OF AMERICA fails to maintain to keep consumers protected, you guys will pay for false accusations, violating my consumer rights, and deliberately ignoring my claim. These guys created fake documents, and partnered with BANK OF AMERICA to open, and maintain a fraudulent auto loan.
Consumer complaint received 2024-08-15
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. (MO)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some incomplete and inaccurate things. 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 ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly.

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove the items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2024-09-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOHELA (CA)

on this date Mohela opened a collections XX/XX/year> XXXX $ i owe I have never signed any written agreement or document saying that I owe this debt to this collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that i owe this debt to this alleged company. 
*please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2024-08-15
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. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''
Consumer complaint received 2024-08-15
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. (SC)

Please conduct a proper investigation and REVIEW the attached document from XXXX. I request that the following collections be removed from my credit reports : XXXX XXXX : XXXX - XXXX : {$1500.00} **Account Number : XXXX - XXXX : {$2900.00}
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-21
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)

This is the several times I've complained about being a victim of identity theft. You must remove the items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX XXXX credit card issued by citi bank was recently closed back in XXXX. I contacted citi bank for the reason and they told me they mailed out an ssa-89 form to verify my identity back in XXXX. According to citi bank I had 30 days to fill out that form and return it to them to keep my account open. When I noticed my account was closed and I called those were the reasons they gave for my account closures because I never sent that singed document back to them. The only issue is citi bank never sent me such a document in my mail, email, or phone number. I told them that and they said they sent it and can't do anything about it. I went to my closest usps to see if they were holding any documents from me and they did not have anything. I even to to ups and XXXX and none of the postal couriers had any documents for me. I have never received any document such as that in my mail if I did I would have signed it and sent it back. I told them to re send that for me to sign and they denied to send it. I have tried to deal with citi bank but they are not being reasonable. I have truth to believe they closed my account due to racism because I am XXXX  and my last name ends with XXXX, citi has even recently been fined by the cfpb for closing XXXX  credit card accounts and I believe I am a victim of there act. If I wasn't a victim of racism they would send that document for my to sign and send back to them which they won't do. I have had my XXXX XXXX for a year and their reasoning for closing my account does not make sense. Please investigate what citi bank has done to me and tell them to re sent that document to me and re open my credit card account. I can send them anything they want I am willing to comply
Consumer complaint received 2024-09-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

I was a tenant at XXXX XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. Throughout my tenancy, I paid all rent and fees on time. However, XXXX years after moving out, I began receiving unexpected debt collection notices from Columbia Debt Recovery/Genesis regarding alleged damage and cleaning fees. Key Issues : Delayed Notification : I received no notification of these charges after moving out on XX/XX/XXXX, until the debt collectors contacted me in XXXX. Immediate Collections XXXX XXXX XXXXXXXX sent the alleged debt directly to collections without prior notice or opportunity for dispute. Credit Impact : This action has negatively affected both my credit score and that of my guarantor. Inconsistent Charges : My co-tenants, who lived in the same unit and moved out at the same time, did not receive similar charges, suggesting potential discriminatory practices. Lack of Response : On XX/XX/XXXX, I sent a formal dispute letter to XXXX XXXX, XXXX, and Genesis Management Leadership regarding these charges ( Genesis case number XXXX, totaling {$320.00} for " cleaning '' and " touch up '' fees ). I have received no response to this dispute. Multiple Attempts at Resolution : I have made several phone calls to XXXX XXXX, XXXX, and Genesis, with the most recent conversation on XX/XX/XXXX, with XXXX from Genesis and his manager XXXX, but the issue remains unresolved. On XX/XX/XXXX, I paid the full payment of {$320.00} to COLUMBIA DEBT RECOVERY LLC DBA GENESIS.
Consumer complaint received 2024-08-15
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. (MS)

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 2024-08-15
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. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of charge card accounts XXXX account # XXXX XXXX XXXX account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 XXXX  # XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In XXXX of 2023, the mortgage servicing company requested a copy of our insurance policy which we provided. The servicing company then asked us for the previous 2 years of proof of insurance for the property. We provided the requested documentation. 
They audited the insurance coverage and discovered that there was a 3 month gap in the insurance coverage due to a clerical error on the insurance company 's part. Our annual insurance rate is XXXX per year for this property. The mortgage servicing company claims that they retroactively placed insurance for this 3 month gap, 2 years after the fact and were charged {$3100.00} for this 3 month gap. We disputed this fee as anyone involved which insurance knows that you can not retroactively add insurance for a time period that has already lapsed. We contested that this {$3100.00} amounted to a punitive fee to which they were not entitled. Even if the Servicing company had the ability to issue fees and punitive penalties for the 3 month gap, it should reflect the actual cost of that insurace which was {$110.00} per month X 3 months for a grand total of {$330.00}. Instead they levied a fee equal to 10 times the actual cost and they claim that this is what they had to pay. We have asked to see this fictitious policy and they have refused to send it but send us form letters stating that our request is under review however they never produce anything. They proceeded to add the {$3100.00} to our mortgage balance in spite of the fact that this is a fictitious charge and is being disputed and they go into our bank account and adjusted our mortgage payment to reflect a new payment which has amortized this {$3100.00} charge over the next 12 months. 
This is absolute theft and we request that this be investigated. 
1. The Mortgage service company SPS does not have the right to issue punitive fees 2. Fees for insurance coverage for a gap period must not be 10x 's the actual cost of coverage 3. SPS, nor any other mortgage servicing company can retroactively place insurance for a lapsed period as insurance is a forward facing service. Therefore the charge is actually not insurance but a punitive fee which they are not entitle to charge nor collect for.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Affirm Holdings, Inc (NC)

XXXX XXXX XXXX contacted me about a Debt with a company called XXXX, i've requested a copuy of the original contract, wet ink signature of the original creditor or company, and the Agreement with the last date of payment on the account. 

XXXX XXXX XXXX XXXX has sent me an email to my business email, and called my personal number outside of working Hours. 

i do not owe this debt the company ( XXXX  ) did not render the service that was agreed upon therefore i am requesting the XXXX ( XXXX ) to Cease and Desist any collection efforts as this is NOT a verified debt. Remove the debt from my personal credit and removed my information form their data base.