davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (KY)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Account Number : XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter
Consumer complaint received 2024-09-11
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **XXXX XXXXXXXX XXXX - XXXX - **Social Security NumberXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **Background : XXXX On XX/XX/2024, TRANSUNION deleted the following information from my credit report : COLLECTION REMOVED. This deletion was based on COLLECTION ACCOUNT WAS REMOVEDFROM YOUR CREDIT REPORT.

**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that [ Name of Credit Bureau ] has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that TRANSUNION complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with TRANSUNION regarding the original deletion. 
- Copies of my current credit reports highlighting the reinserted information. 
- Any other supporting documents deemed necessary to investigate this matter. 
**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GreenSky, LLC (WI)

XXXX merchant, XXXX XXXX, came to my house for a roof estimate, furnace and water heater. After salesman wrote up a form that showed what products and prices he was quoting us we said okay we would think about it. The salesman said that he was sure his company was great and the best price, etc. He also had another gentleman with him from XXXX XXXX. XXXX, salesman, sat at our table and got out his tablet, which neither I nor my husband could see. XXXX explained to us that XXXX did have their own financing available to customers and he would be able to have us apply right now. XXXX said it was very easy to use their company 's financing. The finance company Summit Contracting uses is Green Sky and the lender is XXXX XXXX XXXX. My husband and myself are on XXXX so our income is not over {$3000.00} per month. Now the price XXXX XXXX  quoted us was {$35000.00} for everything. XXXX then did some magic on his tablet and said to my husband that you have been approved for a {$25000.00} loan from Green Sky. Well that was very unbelievable to us as I said our income is very limited. Then he did some more magic on his tablet but said I had not been approved for enough to cover the other {$10000.00} of the needed loan money. XXXX seemed that no matter what he was going to get me a loan from their finance company for me. XXXX had asked us some questions before he applied for these loans so he knew our income. XXXX said well I will just tell Green Sky a different income for you, they won't check. Then we'll I was approved for {$25000.00} also. XXXX said that if we just signed here and here on his tablet that then XXXX XXXX   would send our credit application to Green Sky for us. Well then I guess the lender XXXX XXXX XXXX  gave the money to Green Sky for us to buy stuff from our merchant XXXX XXXX   that same day. Because what really took place is that when XXXX had us sign the application for financing we were really signing papers that said we agreed to finance through XXXX XXXX XXXX and Green Sky and XXXX XXXX. But we were supposed to get paperwork from Green Sky to activate our shopping pass to buy stuff from XXXX as they did our project. Instead XXXX activated our passes on XX/XX/2019 and then Green Sky wired them the whole {$35000.00} without us knowing. So this bank financed {$35000.00} to their lender who wired {$35000.00} to XXXX XXXX all by the next day and we knew nothing about it. 
I will attach more information but I have tried more than four times to have this taken off our credit report as I told green sky that this was fraud by wire transfer and bank fraud by unfair bank practicing to consumers. Green Sky always investigation and says some excuse why it's not their fault and we owe them this money. I am mentally becoming exhausted with this whole ordeal and I am not the only one in XXXX Wisconsin this has happened to.
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (NV)

XXXX already called the company and told them it wasnt him and that it was probably a result of identity theft. XXXX has no knowledge of the account until it showed up on his credit report and he is willing to file a lawsuit. XXXX claims it is ruining his credit score and his financial stability and would love to have it removed from his credit report as soon as possible
Consumer complaint received 2024-10-23
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: Experian Information Solutions Inc. (MD)

i disagree with the account listed below which still appears on my credit report, I would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After reviewing my credit report again, I discovered additional fraudulent accounts that I did not authorize. I have already reported the initial fraud to the Federal Trade Commission, but these new fraudulent items are still on my report and pose a risk of further unauthorized activity.
Consumer complaint received 2024-09-11
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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : - XXXX Employer - XXXXXXXX XXXX Employer - XXXX  XXXX Incorrect Current Address : - XXXX XXXX XXXX CT, XXXX, FL XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Incorrect Previous Address : - XXXX XXXX XXXX CT, XXXX, FL XXXX
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Transunion keep reporting a XXXX account which is paid in full and has more than 7 years. They report this account with one late payment in 2013. 

I want this account removed from my credit report because the 7 years time frame was up a long time ago.
Consumer complaint received 2024-09-11
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. (DE)

I am writing to address a serious concern regarding your failure to maintain fair and accurate credit reporting as required under the Fair Credit Reporting Act ( FCRA ) 602. Despite my repeated efforts over the past several months to have disputed items removed from my credit report, you have persistently affirmed their accuracy without providing any evidence of the verification methods used. This lack of transparency and adherence to FCRA guidelines is deeply frustrating.
Consumer complaint received 2023-04-27
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. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : XXXX  : XXXX XXXX. The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (MI)

I have contacted First Bankcard numerous times over the years about concerns about how they allocate payments. They honestly have the worst customer service I've ever seen. I have numerous credit cards, and I never have issues with others like I do with First Bankcard. And there customer service is horrible. Very impersonal. They could care less about anything you contact them about it seems. I have maintained for years that they do not apply payments properly. They always apply payments to the balances with the LOWEST APR instead of the balances with the HIGHEST APR like they should. I don't know what else to do. I've written them about this numerous times, and they even put in writing back to me that they do this, and they maintain that is what they are supposed to do. Anyone with any common sense knows that is backwards and not how payments should be applied. But, they don't care. I don't know what else to do. I have specifically made large payments toward my balances when promotional interest rates are expiring, in order to get the promotional balance paid off so the interest rate does not rise, and they do not apply the payments to the promotional balance when it is expiring. I've even sent the payments to the general " customer service '' address with a note explaining to please apply it to my promotional balance so my interest rate does not go up, and they just totally ignore that, but send a letter telling me the payment was sent to the wrong address. They do a lot of things not in compliance with the law on how payments should be applied. And they don't care when it is brought to their attention. They also do not list promotional interest rate expirations on your statements or alert you when it is going to expire like they are required.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (WI)

During the summer of 2017, I opened a Business checking account with Huntington bank. At that time, Huntington bank was promoting {$500.00} promotion for opening business checking account and advertising that the deposit funds of {$5000.00} have to be available for in the checking account for over a week to have the {$500.00} promotion bonus. 

After I open the account, later on, not only did the bank NOT give me the {$500.00} bonus as they advertising on Huntingtons website, but they also acted shady that secretly closed my accounts without notifying me. In terms of this action, I have contacted their department many times and they kept refusing the {$500.00} bonus that they promised customers. 

It is extremely dishonest code of conduct that Huntington lied to customers.
Consumer complaint received 2024-09-30
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 (NC)

I have a credit card through Fidelity which is operated by Elan Financial Services. Elan Financial Services hides something in their membership documents - something that isn't available online - that rewards are capped at 150,000 points in a reward year. This isn't something you can see in your online account - you actually have to special request your membership agreement which takes them more than a day to provide for you. At some point in XXXX, I must have hit this hidden limit, and they stopped crediting points on to my account. They made no attempt to notify or warn about this - there were no emails, nothing on my statement, etc. It was just silently " no more rewards ''. I didn't notice this for a few months, and so their practice cheated me out of about XXXX XXXX  in rewards until I did notice it. At that point, I called and their reply was we'll look into it and send you something by mail in 10 business days. 

This is a deceptive practice. It's not exactly a hidden fee, because it's not a charge, but due a hidden condition, and with no warning, they cheated me out of many hundreds of dollars. I'm not really expecting recourse, but others should be warned that this is not a company you want to to business with. I've been a customer of the Fidelity credit card for about twenty years - though I think they transferred it over to Elan about a decade ago - and my only recourse is to deny them all revenue associated with what would have been years of future use of their credit card. So I guess that's what I'll have to do.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I had a credit card that was in great standing that I paid off every month. In XXXX of 2014, they thought there was an inaccurate charge on my account and closed my account. They then would not accept a payment and sent it to a collection company who then sent it to a lawyer. They closed and charged it off BEFORE I was ever even late on a payment. They wouldn't let me even pay it. They never let me verify the charges they thought were fraud. They literally just closed it without my consent when it was in good standing. I have spent years trying to get them to fix it but all they will say is they don't own the account. I have the statements from 2014 showing I was completely on time on the account and the next month they charged the account off. I am now applying for a home loan and getting denied only due to these accounts as it is still affecting my credit by over 50 points! I have requested verification multiple times which they have never provided and yet some how it still is on my credit report even though I have done everything that is within my legal right and they won't do anything they are legally obligated to. I can not lose my home due to their mistake that is not even legal!
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

i am not deceased. i have filed a complaint with the CFPB last month and received a letter back stating that XXXX XXXX made a mistake. HOWEVER, THEY ARE REFUSING TO CHANGE THE INFORMATION IN XXXX, XXXX  AND EXPERIAN. NOW I WAS DECLINED A PPP  LOAN.