davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
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: CarMax, Inc. (VA)

I am in the process of closing on a home and was notified that Carmax Auto Finance reported I was late making my auto payment for the month of XX/XX/year>. I refinanced my loan and the new auto company paid the auto loan in full on XX/XX/year>. My credit score was impacted causing me to no longer qualify for the loan and I have called Carmax on XX/XX/scrub>XXXX XXXXXX/XX/year> and XX/XX/year>XXXX  and have spoken to numerous departments and they refuse to send me a document advising the XXXX payment was reported in error so I can provide it to the mortgage underwriters to honor my credit score while waiting on the corrections to be applied to my credit report since they advised it can take up to 60 days for the corrections to be applied. Ive expressed this is a time sensitive issue and the seller is backing out if I am not ready to close and begged for the letter since they have faxed me other documents that dont show the info I need and they keep advising its nothing more they can do.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CT)

I have received by mail a XXXX from Wells Fargo stating cancellation of a {$1200.00} debt from an " overdraft deposit account ''. This debt is not mine, and Wells Fargo is unable to provide validation of the debt. 

The account number listed on the debt forgiveness matches with a checking account closed on XX/XX/XXXX. This account was closed in person at the XXXX CT branch office and remaining balance issued to me in the form of a cashier 's check. Overdraft protection was XXXX before the closure of the account. The account was not re-opened and has remained closed since the date of closure. 

In the proceeding 5 years post account closure, Wells Fargo did not attempt to notify me of debt, nor attempt to collect on said debt. The first notice of debt was the XXXX cancellation. This debt does not appear on any credit report, nor does it appear in a XXXX report. 

On XX/XX/XXXX I contacted Wells Fargo via phone for an explanation. The agent was unable to view my account info as the account was closed more than 2 years prior. I was transferred to the Wells Fargo collections department and informed solely that the debt exists in their system and that is was forgiven. When asked to prove validity, the agent was unable to provide validation as the debt was more than 2 years old and had been forgiven. I was prompted to follow up in a physical branch. 

On XX/XX/XXXX I visited the XXXX CT branch to receive information on the debt. The banker was able to lookup the closed account and print a copy of the final account statement. He was unable to see information about the debt nor validate the debt. 

I have attached a copy of the XXXX from Wells Fargo XXXX as well as my last account statement including the date of account closure. 

Per the final account statement. 
- Note the ending balance of {$0.00} on XX/XX/XXXX ( at time of account closure ) - Note the account option indicating " Overdraft Protection '' is not enabled - Note the benefits section stating " This account is not currently covered by Overdraft Protection. '' - Note the FAQ stating " You can close your account at any time if the account is in good standing ( e.g. does not have a negative balance... ) ''. The account was closed successfully with {$0.00} balance. 
- Note the FAQ stating " After 30 days, if your account balance does not reach zero, your account will be returned to active status and subject to all applicable fees ''. The account was not returned active and has been marked closed since XX/XX/XXXX.
Consumer complaint received 2024-10-02
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Northstar Location Services, LLC (FL)

Dear Sirs or CFPB, I would like to tell you about NorthStar Locations Service under 3rd party with XXXX XXXX XXXX. 

I got letter from NorthStar Locations Service from XXXX and I owed them almost XXXX less. I won't pay them. Can you tell them and I would like to dispute them right now. 

Because It was before Scam and XXXX XXXX, She stole id theft from me and really bad and no reason pay owes to them. It was mess up from XXXX XXXX XXXXXXXX Pushing to Northstar Locations Service LLC. and it's mess up with it. I am really suprised myself. I don't want to go to the Jail time. It hard times search find need the lawyers and They nevers call me. But I refuse call to NorthStar Locations Service from XXXX with the letter Debt Collectors. 

How do you resolve that? let me know I need your help and really very important VIP as quickly as possible. 

Thank You Sincerely Yours, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
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. (GA)

Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2024-08-18
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I requested them to validate the debt and send me copies of the original purchase agreement. I wanted to see they legally owned the debt by the original creditor. I requested all statements open through closed of my account. I also wanted to see proof they are legally able to collect a debt in my state, also, a copy of their bond to show they are legally registered. I want to know what all information they received from the hospital. I signed a HIPPA form and I never gave permission for my personal information to be released. Also, I was never notified by the creditor that this was going to collections, I was still dealing with the insurance company. " My XXXX even put it in his paperwork that this was a XXXX XXXX as well. After the XXXX in late XXXX, the XXXX told us that he took XXXX of the XXXX to rule out XXXX, he also took XXXX XXXX out that were near the XXXX due to his concerns of XXXX and the look of them. My mother passed away of XXXX XXXX back in XX/XX/XXXX. When I received the bills for the XXXX, I called XXXX XXXX and XXXX XXXX XXXX numerous times in regard to the charges. Both medical facilities told me they do not have a XXXX XXXX  for my XXXX and the bills are correct even when my insurance company is telling me that there is a code that they could utilize for my XXXX XXXXXXXX XXXX. My medical bill from XXXX XXXX  was sent to a collection agency without my consent then without notifying me, XXXXXXXX XXXX  has been hitting my credit once a month since XXXX. My credit score went from XXXX to XXXX in less than 2 months without notification on my XXXXXXXX XXXX. My medical bills are lowering my credit scores. I have never signed a HIPPA release form with the alleged creditors : XXXX or XXXX XXXX XXXX XXXX. HIPPA laws protect my personal medical information from being used without my consent. Therefore, these are inaccurate HIPPA violations, and I want these immediately deleted from my credit bureau accounts. I was also mistreated by the debt collection agency, one representative yelled and cussed at me when I called. Thank you for your help. ''
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have over XXXX hard inquires and XXXX soft on my report. Please remove this off my report 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB : Was told I had a deferral program on my mortgage due to Corona Virus Hardship. Once I wanted to begin payments again, I was assured it was all being deferred to the back of my loan. Once I paid, it was not put to the back of my loan, instead BofA threatened me with delinquent notices, they haven't reported it to credit however they admitted their mistake yet they haven't remedied this. They said I was " misinformed '' and told me I need to work with them on repayment program like ; pay in full, a loan modification and or refinance options. However, my doctor has rendered me totally XXXX, I am trying to find out how to work during COVID and BofA wouldn't qualify me for a loan modification or refinance option due to being on XXXX. Please help, need guidance. XXXX XXXX
Consumer complaint received 2024-07-25
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. (MD)

Subject : Dispute of Charge off Account Under the Fair Debt Collection Practices Act ( FDCPA ) in MD, the Internal Revenue Code Section1099-C & 15 U.S. C. 1681 ( e ) Dear XXXX  XXXX, I am writing to formally dispute the debt collection of this Charge off account [ XXXX ]. I have this debt being reported on my consumer report. This debt is reported as a Charge off and under IRS code 1099-C once a debt is charged off its considered income and can not be considered a debt. Also according to MD Law under the Fair Debt Collection Practices Act ( FDCPA ) ( a ) Within 5 days of the debt collectors first contact, he or she must send you a written validation notice telling you the amount of money you owe, the creditor to whom you owe the money, and what to do if you believe there was a mistake and you dont owe the money. I did not receive a notice from XXXX XXXX with this information. Additionally, under Code 1099-C, creditors are obligated to issue a Form 1099-C when they cancel or discharge a debt of { {$600.00} } or more. Lastly per U S C 1681 ( e ) ( b ) Disputing Capital One 's reporting using 15 U.S.C. 1681 ( e ) ( b ) necessitates a careful examination of the reported information. The provided details reveal discrepancies across the three major credit bureaus, XXXX, XXXX, and Experian, regarding the date account was opened, reported, last activity, last payment and payment history. While the Fair Credit Reporting Act ( FCRA ) mandates accurate reporting, inconsistencies such as differing payment history raise questions about the accuracy and completeness of the reported data. Furthermore, discrepancies in balance information & date last verified among the bureaus undermine the reliability of the reported data. Therefore, under 15 U.S.C. 1681 ( e ) ( b ), XXXX XXXX did not provide accurate information to ensure compliance with FCRA standards and to safeguard my consumer credit rights. I have attached my consumer report dated XX/XX/year>. There are many inaccuracies such as the OPENING DATE OF THE CARD, THE LAST REPORT DATE, DATE OF LAST ACTIVE, LAST DATE VERIFIED, DATE OF LAST PAYMENT, HIGH BALANCE, & PAYMENT HISTORY these things are inaccurate across all three consumer reports. I am disputing the validity of the debt on my consumer report due to lack of validation of debt according to Maryland XXXX Federal Debt Collection Practices Act ( FDCPA ), inaccuracies on my consumer report according to XXXX U.S.C XXXX ( XXXX ), & the Internal Revenue Code Section XXXX, once a debt is charged off its considered income and can not be considered a debt. As a consumer, I have the right to receive accurate and comprehensive information about any alleged debt. Given the aforementioned reasons, I demand a deletion/removal of this account [ XXXX ] immediately with XXXX XXXX violating XXXX violations of my consumer rights.
Consumer complaint received 2024-08-19
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)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 


Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-08-18
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. (NC)

I notice that XXXX fraudulently put an account on XXXX of my credit reports. I did not do business with nor give them permission to put anything on my credit report.
Consumer complaint received 2024-08-19
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CO)

I made my payments for XXXX and XXXX they shredded one of the money orders for a XXXX dollars. So I sent copies of both money orders with my XXXX payment and the express receipts showing when they where received. I didn't get a response so I file a complaint XXXX of XXXX they stated they would have a research team look into it and I have still got a response and they are trying to charge me late charges. I have copies of the money orders and Express forms and all the email correspondences. I am not paying for their mistakes.
Consumer complaint received 2024-08-19
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money (GA)

I called Minto Money around XXXX the XXXX cause my mommy passed suddenly on XXXX the XXXX. She had no life insurance. After my mother died I was trying to pay for her funeral and struggling financially. I called Minto Money and tried to work out an affordable payment plan and was denied a payment plan. Was told I wasn't behind on my payments and they couldn't help me until my account defaulted, I at that time revoked ACH authorizations by Minto money. My account has since defaulted they added late fees and interest to the loan. As of the day I agreed on a payment plan of 9 payments of XXXX XXXX dollars starting XX/XX/XXXX and there will be 1 payment of XXXX I borrowed {$700.00} on XX/XX/XXXX made 2 payments of {$150.00} for the XXXX dollars I borrowed I will in the end pay back {$1200.00} only cause Minto Money Agreed to this settlement amount and payment plan. Which I appreciate. But If I would have made the payments as scheduled I would have paid XXXX Minto Money charges a yearly interest rate of 600.78 % The credit for the XXXX dollars would have cost me {$2400.00} for a total of {$3100.00}... Completely insane
Consumer complaint received 2024-08-19
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. (KY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-19
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. (MI)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to get TransUnion to correct my personal consumer report but they refuses and continues to furnish inaccurate and unverified information on my consumer report and file. I am in the process of taking control and securing my personal and private information. This massive data breach has exposed my information and I am very concerned with inaccuracies on my report. Please address this matter. Attached is a notices for demand TransUnion to remove all items within attached notice.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.