davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need this collection removed from my account immediately. It's completely inaccurate, and it's already affecting my credit score. Ive reviewed my records, and theres no reason this should be on my account. This needs to be fixed right away. This is an urgent matter for me.
Consumer complaint received 2024-09-05
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. (NM)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX, XXXX, NM, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX
Consumer complaint received 2020-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (FL)

Capital Accounts claims that I owe a debt # XXXX for {$3000.00} from XX/XX/XXXX. They say they are from XXXX?? 

I explained to them that this debt is not mine. I also explain to them that I was incarcerated in a Federal prison in XXXX?? It would have been impossible for me to make these charges!! 

I never signed and document of agreed to any of the charges they claim. they are not my charges. I have been divorced since XXXX. I believe these bills were made by my ex-wife. I know nothing of these bills, nor was I ever called to authorize them or assume responsibility for them. 

I have asked Capital Accounts SEVERAL TIMES to remove this item from my credit report. I also asked them to provide me with PROOF of these charges and PROOF that they are mine. They have informed me that they have NO supporting documents to supply me!! 

This item # XXXX has to be removed immediately! It is over 11 years old! It is  unlawful to makeup charges and attach them to someone credit report without any supporting documents or proof that the claim is valid. 

Please have them remove this item from my Credit Report with XXXX, XXXX  and XXXX XXXX Immediately. Thank you I XXXX XXXX XXXX
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CO)

I'm trying to obtain an apartment and this " civil actions for possession '' keeps coming up. 
1. On XX/XX/2016 it was filed by LexisNexis XXXX XXXX XXXX XXXX XXXX. Case number # XXXX 2. On XX/XX/2016 it was filed again for same thing. Case # XXXX This was for the XXXX at XXXX XXXX Apartments. I have spoke with XXXX at XXXX XXXX who said that I don't owe them nor have owed them. I paid rent and have never been evicted. I have talked to manager XXXX at time as well as new manager. They both sent me proof I fulfilled my lease as agreed. That I've never been evicted by them and that there's a mistake. I have lroof they sent me showing this as well as how they refunded me over {$3000.00} even stating if I owed them I wouldn't have received my deposit back. So this 3rd party company has ruined my credit reputation and life. They are costing me hundreds and hundreds of dollars because of applying to endless apartments only yo be turned down because of this fraudulent company falsely reporting. They are causing me extreme emotional distress and I need help resolving please. They are about to make me and my daughter homeless!
Consumer complaint received 2024-09-12
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. (TX)

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 XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX 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 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There's incorrect information on my credit report and I've been trying to fix it for a long time and had no luck. Account stay there open account say they're closed there is wrong information and payment information being reported and not being reported my score is contradicting the information on the report my personal information is incorrect and I feel like XXXX XXXX and Transunion have been discriminative towards my situation and very unhelpful and I'm unprofessional and resolving my issues
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Please see enclosed letters of dispute and requests for validation received via USPS certified mail, signature required, by Capital One Bank on XX/XX/2020, concerning my Capital One Walmart credit card account # XXXX. 

I am submitting this formal complaint to the Consumer Financial Protection Bureau for investigation of violations of The Federal Deposit Insurance Corporation Law, Regulations, and Related Acts, sections 161 ( b ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( c ) and ( e ), 162 ( a ), 163 ( a ), 127 ( b ) ( 2 ) ( B ), 127 ( b ) ( 10 ), 127 ( b ) ( 12 ) ( A ), 127 ( i ) ( 2 ), 127 ( j ) ( A ) and ( B ), 127 ( o ) ( 2 ), The Fair Credit Reporting Act sections 1681, 623 ( a ) and 623 ( b ), and The Fair Debt Collection Practices Act sections 807 ( 2 ) ( A ), 807 ( 5 ), 807 ( 8 ), 807 ( 10 ), and 808 ( 1 ) by Capital One Bank concerning derogatory remarks Capital One illegally caused to appear on my credit reports and my Capital One billing statement and has refused to remove.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have a current auto loan with XXXX XXXX XXXX. They report that I was 29-60 days late for XXXX and XXXX. there was a payment made on XX/XX/XXXX and XX/XX/XXXX and the account in current. I don't understand why they would report that XXXX is XXXX day late and my payment was due on XX/XX/XXXX and XXXX offered me a deferment due to COVID-19. I will provide documents. when I tired to upload the documents with my dispute XXXX would not allow me to access my account. I wasn't able to find my XX/XX/XXXX payment receipt but I have their records and they didn't record that payment until XX/XX/XXXX.
Consumer complaint received 2024-09-12
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 am writing to formally request the blocking and deletion of certain accounts on my credit report due to my status as a XXXX XXXX XXXX XXXX, specifically debt bondage. As a result of this exploitation, several fraudulent accounts were opened in my name without my consent. I have attached a XXXX XXXX Determination Letter, an FTC Identity Theft Report, and my proper identification to substantiate my claims. 

In accordance with the Consumer Financial Protection Bureaus guidance and the Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) of the XXXX-Debt regulations, these accounts must be blocked and deleted within four business days as stipulated by section 605C of the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts from my credit report immediately : 1. XXXX XXXX Account # : XXXX 2. XXXX XXXX Account # : XXXX 3. XXXX XXXX Account # : XXXX 4. XXXX Account # : XXXX 5. XXXX Account # : XXXX 6. XXXX XXXX Account # : XXXX 7. XXXX Account # : XXXX These accounts were fraudulently established and are a direct result of my victimization. I trust that you will process this request promptly and in full compliance with the law to mitigate the damage to my credit history caused by these illegal activities. 

Please confirm in writing once these accounts have been removed from my credit report. I appreciate your prompt attention to this urgent matter and your cooperation in helping me reclaim my financial identity. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (MD)

There was a fraudulent ATM withdrawal on our account on Saturday, XXXX at XXXX for {$200.00}. We filed a police report with XXXX County Policy and report the incident immediately to Simple. They closed my husband 's card and sent him a new one and assured us it would be investigated ASAP. Simple sent me the guidelines for Fraud which showed that we should not be liable for the full amount. I asked Simple immediately if there was anything we could do to help and they said no. Simple never followed up with us UNLESS I reached out to them asking them what is going on. I 've called and emailed them multiple times and all they have said is that the investigation was ongoing. Then, finally they rejected our claim after several weeks. I sent them proof of the police report filing because bottom line, this was not us. My husband 's card was skimmed at a Gas station two hours before which Simple can see that transaction. We reported this with Police. I 've asked that the file be opened up again, but again, no status updates from Simple unless I reach out. I 've asked multiple times for the investigation department from their dispute department and all it states is that since the transaction occurred within our city, it was not fraudulent. This is not true and not acceptable. It has not been a month now and we still have not been refunded any of our {$200.00}. We are working with police to try to get survellience footage, but I should not have to go through all this! Other companies, such as XXXX and XXXX refund fraudulent activity ASAP. This is just plain wrong. You can look at all of our transaction history, we do not use it to pull cash out, we got this account as a budgeting tool for groceries and gas. We need a resolution immediately.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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

XXXXXXXX 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 2024-08-20
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. (TX)

on XX/XX/XXXX I Discovered a fraudulent account on my credit profile From XXXX XXXX XXXX. The creditor that is reporting on my report is XXXX XXXX XXXX for the amount due of {$1600.00} ( Account # XXXX ) On XX/XX/XXXX I filed an identity theft report and a police report with my local department. I also filed a dispute with Experian and XXXX requesting this item be removed due to being fraudulently obtained in my name. This Dispute process has gone on way to long and i have yet to see any results being made. 

Today is XX/XX/XXXX Almost a year later and I am now reaching out to the CFPB to investigate more into this situation.
Consumer complaint received 2024-09-05
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. (GA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I understand that during Covid19 pandemic customer service phone lines and calls are taking a long time but this has nothing do do with the problem at all. I have a mortgage with Wellsfargo, always pay from my bank, wellsfargo by transfer between accounts because all my accounts are linked. I do so via my phone app. My accounts have now been blocked so I can not pay, I can not even transfer between accounts because of this covid 19 forbearance. Wells fargo will not allow me to pay my mortgage and the bank I keep my checking account with is closed, the bank line customer service will not help as many times as Ive called, and the mortgage company will not take payment!! Now I cant even get thru to the mortgage company because pressing to make an online payment now put you right back to the start of the covid19 message about forbearance and starts the entire circle of message over again!!! It says you can make your payment if you can but wells fargo mortgage and the bank are not letting you. The bank says they have to transfer you to the mortgage company and when you get the mortgage company they say that you have to call the bank!!. Yesterday I was fed up, I could not even log on to a computer and pay my mortgage. Somehow they blocked my checking from my mortgage account and my mortgage account from my checking. I also went as far as to set my mortgage up on the bill pay but every time I put the payment in to pay, guess what!!! The bank cancelled my bill pay payment!! So if you call for info on forbearance, or even click that button on the app, u automatically get put in and you get blocked from making your payments. I received a letter after I inquired about the forbearance and decided it was not for me and called n spoke to someone n told them it was not for me but still I am blocked from making my payment. So, yesterday, after multiple times trying to make a payment, trying multiple times to make it online on computer and on bill pay, and calling customer service at both mortgage co and the bank, I asked bank to transfer between my accounts or process payment for me n they said they could not do either for me. I the said, we I'm calling the banking department because this is a scam for the bank to rip off tons of people and make loads of money during a time of hardship and that is a disgrace. I was immediately sent to a superior banker who then could make a case and make sure my payment could then be made!!! At least that's what I was told ... .however, told my payment is still pending in yesterday 's bill pay which is immediate so should have been paid yesterday, the money is out of my account and my mortgage is still not paid and my accounts are still blocked and transfers and payments between my accounts still can not be made. I'm sure I'm not the only person that is blocked from making a mortgage payment at this time and that is a disservice to the people that bank with wells fargo and the people who have their mortgage with wells fargo.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2020-04-23
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

I have reached out to XXXX  to ask to remove the loan for a car loan from Santander Comsumer u in the amount of XXXX it was originally supposed to be settled with company in the amount XXXX which was done in XX/XX/XXXX as settled instead it was put on credit as charge off. I have send forms paper mailed out forms and complaint XXXX XXXX nothing again XX/XX/XXXX instead they added it back to my account and recently damaged my credit. Im asking this loan is settled to please remove my account or atleast to please stop the damage to my account. Im not getting help from anybody
Consumer complaint received 2024-09-12
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)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-04-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pulled my credit report to make sure everything was correct. When viewing all 3 reports from Transunion, XXXX, Transunion and they are all reporting differently. Listed below is all the categories that show differently amongst all XXXX bureaus. I sent a letter informing XXXX XXXX informing that the information that was presenting on credit reports is showing differenky on XX/XX/2023 and again XX/XX/2023. I would like for XXXX XXXX to make sure all information reporting is corrected. I have already sent a letter to the bureaus to either update the account to reflect correctly or delete per per TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 391. FURNISHING FALSE CREDIT INFORMATION Listed below are all the categories showing differently : Date opened Last verified account status payment status comments date last payment no. of months ( terms ) Payment frequency
Consumer complaint received 2020-04-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Sierra Credit Corp (CA)

Complaining about Company : Sierra Credit http : //sierracredit.com/ Sierra Credit Corporation XXXX XXXX XXXX. 
XXXX This company repossessed my car XX/XX/2020 in the height of Covid19 quarantine. Im an uber driver and I lost my income since quarantine 2nd week of XXXX. 

I informed them thru email about just getting another job XX/XX/XXXX and will be receiving my first check on XX/XX/XXXX. 

Even with this communication, they still towed and repossessed my car. I dont know how much more excess fee on towing I will get. 

This company needs to be reviewed. 

Financing companies are extended loans by the Federal Government to cushion the financial status of small businesses during this unexpected epidemic recession. 

They are afforded extensions and interest perks by the Federal government, I wonder why they SQUEEZE their clients dry poor especially during this national emergency. 

I know Im not a perfect client and have been delayed in payments but these people, this company is SHREWD to be enjoying taxpayers money while they leave their clients poor by UNREASONABLY grabbing their hard earned assets. 

This company has no compassion for its consumers.