davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
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)

Please see the attached letter from the FBI that I received on Friday, XX/XX/2024. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-15
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)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number Last XXXX XXXX, Consumer Date of Birth : XX/XX/, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX XXXX XXXX under the account number XXXX, XXXX  under the account number XXXXXXXX, XXXX under the account number XXXX, XXXX under the account number XXXX, XXXX under the account number XXXX, XXXX XXXXXXXX under the account number XXXX, XXXX under the account number XXXX , XXXX XXXXXXXX under the account number XXXX XXXX XXXX XXXXXXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-15
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. (AL)

On XX/XX/XXXX I, XXXX XXXX asked the XXXX credit reporting agencies to investigate numerous accounts due to the information being inconsistent amongst all three reporting agencies. This was done via certified mail, tracking numbers are : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX All three reporting Agencies responded back as " verified '' as the conclusion to their investigations. On XX/XX/XXXX I asked for methods of verification and I haven't received the information requested since then. This was done via certified mail, tracking numbers are : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I requested the methods of verification again via mail. his was done via certified mail, tracking numbers are : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX I requested that these accounts are REMOVED from my credit profile if the information requested is not provide within 30 days.
Consumer complaint received 2023-04-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Dyck-O'Neal, Inc. (TX)

I had an XX/XX/XXXX loan back in XXXX. I did a loan modification and the 20 % loan in the amount of $ XXXX went away around XXXX. In XXXX I tried to work with the debt collector Dyck-Oneal, Inc as this debt was very old and I no longer owed it. I had to sell my home in XXXX and they had a lien on my property for $ XXXX. They took my money from the sale of my home. How did it go from $ XXXX to XXXX. This left me in major financial bind. I called Dyck-Oneal crying and they didn't care. I wasn't able to complete the sale of my house until they got the money. This was a great rip off, it wasn't fair and I would like you all to look into this so I can get my money back. I am a XXXX XXXX and I did some research and found out that many of us were treated the same way, today the CFPB did a press release also talking about the same thing! My family and I were treated so unfairly and this was simply a money grab for them. Almost like a knife to my throat.
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-15
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. (KS)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-11
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)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-11-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (IA)

I am disputing a {$140.00} charge from XXXX XXXX, which manages XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I moved out on XX/XX/year>, and had cleaned the apartment thoroughly, addressing walls and surfaces per the leases requirements. The carpet damage referenced was due to my roommates cat, and both the walls and carpet were dirty and worn when I moved in. 

I contacted XXXX XXXX multiple times via email, requesting an itemized list of charges, documentation of damage, and a breakdown of services and they informed me also that they were having trouble with the inspection forms and would get back to me with more information, they never did. Although they acknowledged my inquiries and assured me they would provide information, they failed to follow up and instead referred my account to ProCollect, a debt collection agency.

Since the account was referred to collections, I have contacted ProCollect by phone and email on multiple occasions, specifically on XXXX XXXX, XX/XX/XXXX, and now XX/XX/XXXX. ProCollect directed me to a representative named XXXX XXXX, who has not responded to my emails or provided the requested documentation to validate the debt. I have requested verification in line with the Fair Debt Collection Practices Act, but I continue to receive no response. 

I am filing this complaint as I believe I have been wrongfully sent to collections and have not received sufficient documentation to validate the alleged debt. Despite numerous attempts to resolve this directly with both XXXXXXXX XXXX  and ProCollect, I am unable to get a response, and this situation is causing undue stress and concern over potential damage to my credit.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

I am experiencing two issues with redeeming points for flights through the rewards program ( US Bank Corp ; I have credit card " XXXX '' ) : Higher Cost for Points-Based Flights : When booking flights with points through the rewards program 's designated reward center, the points cost is consistently higher than the cash price for the same flight when purchased directly from the airline. This discrepancy limits the value of the rewards program. 

Inconsistent Pricing on Date Selection : When browsing flights by date, the rewards center often displays a lower price for flights on a nearby date, suggesting a more affordable option. However, when selecting that date, the price automatically updates to a higher amount, effectively locking in a more expensive fare regardless of the date. For instance, when searching for flights on XX/XX/year>, a cheaper option may appear for XX/XX/year> at {$460.00}, but clicking to select this date causes the fare to increase to {$470.00}. 

I would appreciate clarification on these issues and assistance in resolving them, ideally by ensuring fair and consistent pricing for point redemptions and displaying accurate, stable fares across dates.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Around XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX reported a 30 days delinquent in the amount of {$9.00} in my XXXX, TransUnion credit bureaus. Negative reporting impacted my credit by reducing my credit score down to over XXXX points. 

During XX/XX/XXXX, I made a payment of {$50.00} based on the banks new online portal. The new online portal was down for several weeks and when it was back up, it did not indicate a past due amount nor did it provide a statement that reflected an outstanding balance. 

During the week of XX/XX/XXXX, I notified the company regarding this and was informed that I had to go online and print out a dispute form, fill it out and mail it in which will take up to 30 days for a response. Why was the dispute not accepted by the Representative who should have opened this on my behalf, like other creditors. 

I paid {$100.00} during the week of XX/XX/XXXX to prevent any further issues, but I am requesting the negative reporting on my credit to be removed and a letter of apology from XXXX XXXX XXXX. I have never had a no negative reporting on my credit report. 

Thank you
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (NY)

Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding a misleading balance transfer offer from U.S. Bank. 

On XX/XX/year>, I applied for the U.S. Bank XXXX XXXX credit card through U.S. Banks website, explicitly seeking a {$30000.00} balance transfer. I entered this requirement during the application process, and the website indicated that my request was approved. However, when I reached the final screen to confirm my account details, I discovered that I was only granted a {$7000.00} credit limitsubstantially less than the balance transfer I needed. 

This unexpected limit made the card unsuitable for my purposes. I immediately contacted U.S. Banks customer service to close the account, as the approved limit was not what I had initially applied for or what was represented during the process. 

I feel that this experience reflects a bait and switch tactic, as I was led to believe I would be receiving sufficient credit to accommodate my balance transfer. Such practices are not only frustrating but also misleading, as they create unnecessary inquiries on my credit report and waste consumers time and resources. 

Thank you for your attention to this matter. I hope this issue will be reviewed to prevent similar experiences for other consumers. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-11-07
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (GA)

Credit Control , LLC is in violation of the Fair Debt Collection Practices Act ( FDCPA ) in refusing to validate the debt that the company claims I owe to them. I issued a validation of debt and cease and desist order. Credit Control , LLC refuses to validate the debt as outlined in 15 USC 1692g.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2024-10-15
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)

" 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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Finding an error indicating a late payment on my account is XXXX, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-10-15
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. (CA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (OR)

I am writing regarding unauthorized accounts on my consumer report that are linked to confirmed identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication about this issue, these fraudulent items remain on my report. 

Under the Fair Credit Reporting Act ( FCRA ), I formally demand the immediate blocking and removal of these accounts from my consumer report within XXXX business days of receiving this notice. The presence of these fraudulent accounts has caused : - Significant emotional distress - Financial hardship - Inability to purchase a home - Difficulty meeting my family 's financial needs
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OR)

I am writing regarding unauthorized bankruptcy entries that have appeared on my consumer report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 4 ), I assert that these entries violate my consumer right to privacy, as my personal information was released without proper authorization. 

I have confirmed that I am a victim of identity theft, and these bankruptcy entries are fraudulent. Under federal law, you are required to : 1. Remove unauthorized entries 2. Protect consumer privacy 3. Maintain accurate reporting