davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My main complaint is with the 3 major credit bureaus. I am requesting for President Biden to transfer all of the Americans credit ratings from Equifax, XXXX and XXXX to a more fairly used public registry that gives us all a fair game to the system, and I mean all minorities as well, and it should all be sent to you all the Consumer Financial Protection Bureau. I feel their system of running the people 's credit as rigged to advance only a select few and not anyone else that tries to get ahead as well in this country.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

My escrow account has a surplus of over XXXX dollars and I have been unable to initiate a new mortgage escrow account analysis from Pentagon Federal Credit Union. Repeated calls to PenFed and requesting escalation of my request result in no action taken. Appreciate your assistance in helping me resolve this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX car dealership had me to sign a document that what I was told it for. I was told that the form was to be take the car off the lot. The sale person found out I was a XXXX and kept talking to ne getting me distracted. He also said he had to take my driver license and take picture to take car off lot. I did what I was asked to and now I suffered..
Consumer complaint received 2024-09-06
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commercial Recovery Systems (NC)

Hello CFPB, The company below continues to call, email and harass members of my family asking to discuss stuff about me. They are a collection agency and have acquired a debt from a company I left several years ago but are falsely claiming I owe. They are threatening lawsuit and also emailed said they are going to call around to see if anyone else wants to join on their lawsuit. 

Commercial Recovery Inc Tel : XXXX, XXXX Fax : XXXX XXXX XXXX is one of the many names they use. I called the company and asked for XXXX XXXX and they did not have a person names " XXXX XXXX '' then he emailed and said they use fake names. I have listed only a few of the many emails below with dates I get from them. They have been threatening legal action for months and given deadlines that pass and they still continue to make threats. They know where I live and from what I feel have made vailed threats that they know where I live and my family. They are now calling my family members in a attempt to SHAME my name. 



XXXX : " Your refusal to pay for this legitimate debt leaves us no other option but to assign this matter to legal counsel with a request to file a lawsuit. Unless this office receives the total within 10 days we will send the claim to an attorney in your jurisdiction. Are you sure you do not want to avoid this? 

XXXX : " My client XXXX has decided to enforce the guarantee against XXXX. We will deal with him separately. '' XXXX XXXX Commercial Recovery Inc XXXX On XX/XX/2021, at XXXX XXXX, XXXX wrote : " You need to call me about our letter to you on the personal guarantee ( on you ) portion of the debt we are pursuing. We need to have a discussion or we will send this to an attorney for suit. Be guided accordingly. '' XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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 XXXX XXXX Balance : {$1300.00} XXXX CARD XXXX Balance : {$1300.00} XXXX XXXX  XX/XX/2024
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I disputed a 30 day late reported to my credit report during the stay at home orders, my business was shut down a good portion of 2020. I have sent 2 letters explaining to Amex that per Public Law No : 116-136 ( XX/XX/2020 ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021, my account was in good standing and still is, I called Amex in XX/XX/XXXX and also in XX/XX/XXXX to discuss my business shutdown from the pandemic and my payment would be a little over 30 days late and they explained they wouldn't report it late due to the pandemic shutdown. Ive sent two letters ( attached ) asking them to remove these late payments and they have yet to reply. Which they are clearly violating the Cares Act and lied to me when I called and arranged the payment.
Consumer complaint received 2021-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc. (CA)

On XX/XX/XXXX I pull my credit report and found out that CALIFORNIA BUSINESS BUREAU : ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX and reply on XX/XX/XXXX. This company has violated Federal , State, FCRA and FDCPA by reporting invalidated information which might constitute as fraud. You have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fines. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. XX/XX/XXXX) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 pandemic please delete immediately.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XX/XX/XXXX, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Last month, sometime on XX/XX/XXXX, I received a collection letter from XXXX, XXXX XXXX XXXX, XXXX trying to collect on an alleged debt with MIDLAND CREDIT MANAGEMENT , INC that is also part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Sir/Madam, Social Security Last 4 of social- XXXX DOB- XXXX XXXX XXXX XXXX Dear Sir/Madam ( XXXX  ) I sent you a letter requesting you to remove inaccurate information from my credit report. The three credit bureaus are reporting inaccurate information and I am asking for immediate deletion of this on my credit report, due to inaccurate information. I am also considering to sue you and notify the Federal Trade Commission of your violation of federal law. 

The 3 credit bureaus are reporting different dates of when this account was opened. Transunion is reporting that it was opened on XXXX, and XXXX and XXXX have that it was opened on XXXX. Also, the payment status are saying that it was a collection/chargeoff on XXXX, and Transunion and XXXX  are reporting that the payment status is unknown. Also, under the date last active, Transunion has that it was last active on XXXX, XXXX has that it was last active on XXXX, and XXXX has that it was last active on XXXX. This is all inaccurate information being reported by the credit bureaus.
Consumer complaint received 2024-09-06
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. (TX)

I am submitting a formal complaint to dispute the inaccurate and inconsistent reporting of an account related to XXXX XXXX XXXX XXXX across different credit bureaus. Specifically, under 15 U.S.C. 1681e ( b ), I have identified several discrepancies that require immediate correction. After thoroughly reviewing my credit reports, the following issues have come to light : Reporting History : The payment history associated with this account varies between the credit bureaus.

The Date Closed also differs.

Account Information : The reported Date Opened and account details differ significantly across the credit bureaus.

Account Type and Remarks : The account type and remarks provided in the reports are inconsistent.

Last Date of Activity : The last date of activity reported for this account varies between the credit bureaus, with differing remarks across the reports.

These inconsistencies suggest improper updates that are misleading and harmful to my credit report. Despite these issues, your investigation results show the account was allegedly updated as accurate according to File Number : XXXX, Date Issued : XX/XX/year>. 

Additionally, I believe that the failure to properly investigate this account has resulted in the continued reporting of incorrect information. This neglect violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. 

Given these ongoing issues and the failure to correct them, I formally request that XXXX XXXX XXXX XXXXXXXX be deleted from my credit report immediately. This neglect violates my rights under the FCRA, and I expect prompt corrective action. 

I have included copies of my credit reports, highlighting the inconsistent reporting across multiple credit bureaus, as well as a copy of the dispute results from File Number : XXXX, Date Issued : XX/XX/year>. 

Rights Under 15 U.S.C. 1681n If this issue is not resolved, I will exercise my rights under 15 U.S.C. 1681n, which pertains to civil liability for willful noncompliance under the FCRA. Key provisions include : Willful Noncompliance : Any person who willfully fails to comply with FCRA requirements is liable to the consumer.

Damages : Consumers may recover actual damages or statutory damages ( from {$100.00} to {$1000.00} ), as well as punitive damages and attorney 's fees.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Hello CFPB, I had a bank fraudulent transaction on my account and I have already spoken to the XXXX XXXX Police Department about my situation. I spoke with an individual online about a XXXX XXXX profit-making opportunity via XXXX. Her business handle was XXXX XXXX. I deposited an initial {$450.00} dollars for a transaction through a business medium called XXXX for {$450.00}. I didn't authorize any additional transactions further and I saw through my bank account that I got an additional {$5600.00} taken out of my bank account and before I could make a stop to this transaction ( which was at the point pending ), I was wrongfully addressed by a Wells Fargo representative that to file an investigation the file had to be an active transaction before they make any investigations, so I didn't pursue with the block on this pending transaction which was done via XXXX and XXXX ( bitcoin transaction ). This was entirely wrong and I was unlawfully taken money out of my bank account by scammers, I am unsure how it happened but I want my money back and I have supplemental information to provide proof of this. 

Please let me know what you can do because this isn't right and I need answers.
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I had applied for a job for an XXXX  XXXX  and they said I had an interview for a job and said I had got the job and they said the company had to pay for supplies for me. They had sent me a check for {$2800.00} on XX/XX/2021. Then I had to send the money that was sent for the check to pay for the XXXX  and other supplies. So I reluctantly sent it because I thought it was apart of the job and I was being reimbursed. I had sent 4 payments one of the XXXX of {$400.00} and three on the XXXX for {$500.00}, {$1000.00}, and {$900.00}. Then they sent another check for an upgrade for the XXXX and more programs for the internship. Then I again did not look for any signs XXXX, and then continued to send more money totaling up to {$4800.00} on XX/XX/XXXX.
Consumer complaint received 2021-02-25
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: CMRE Financial Services, Inc. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and CMRE Financial. The Account Opened is CMRE Financial Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$110.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (TX)

Radius Global has been contacting me 4-8 times a day for over 2 months. I have made it clear they need to send proof to my address before I agree to speak to them on the phone. 60 % of the calls are from spoofed numbers. 

For instance today they have called me 6 times, yesterday 8 and the day before that 6 times. Calls are coming in 3 minutes after they attempted a previous call and I am getting frequent calls after XXXX.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I initially contacted XXXX regarding the payment information reporting on my credit file and they said it was out of their hands. They stated it wasn't anything they could do. 
On XX/XX/2020 I sent a letter directly to the credit bureaus to validate that the information reporting via XXXX XXXX was correct. I can clearly see that payment information is reporting inaccurately across all 3 bureaus. 
On XX/XX/2020 I sent them a letter asking them to verify how they verify/validate the account. 
On XX/XX/2020 I sent another letter since I had not received a response from all 3 bureaus. 
On XX/XX/2020 I then sent another letter asking them to please delete the late payments from my report since they are reporting inaccurately and they refused to properly verify it with me. 
On XX/XX/2020 I sent in another letter stating I planned to file with cfpb and my attorney general since they are refusing to proceed with a thorough investigation. 
On XX/XX/2020 I sent another letter stating I was going to explore my legal options since I was being ignored. 
On XX/XX/2020 I had send in another letter, and haven't heard anything.
Consumer complaint received 2021-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

XXXX This is my original complaint number. Since my complaint PHH Mortgage has transferred my loan to XXXX XXXX. They called me today with a loan specialist. This person continued to give me invalid information of my last conversation. They said they were trying to get me to the escalation desk, which nobody has even told me it existed.. They have also moved the transfer date from XX/XX/XXXX to XX/XX/XXXX after the CFPB initiated the complaint. I need help before they transfer their negligence and maybe even fraud for property to another company
Consumer complaint received 2021-02-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (IL)

On XX/XX/XXXX, I attempted to log into my Credit Karma Savings Account. I have the ability to do it on the app and online. After attempting the log in, I received a notice that my account was deactivated. I did not deactivate the account. There is little to no phone support so I contacted them online. They stated they were looking into the issue. That was yesterday at XXXX and no correspondence since. I have over $ XXXX in the account and no confidence from them that my account hasn't been compromised. Nothing. I finally found a phone number and left a message on XX/XX/XXXX but no call back. I am nervous that I do not know where my funds are. Please help.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KS)

I was a with THE HOME DEPOT/CBNA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.