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

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (MI)

Someone opened three credit cards under my name and Ive only notice when I looked on my credit file. XX/XX/22 American Express for XXXX $ XX/XX/22 XXXX XXXX for XXXX $ XX/XX/22 XXXX XXXX XXXX for XXXX $
Consumer complaint received 2024-10-10
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. (TX)

My consumer report contains identity theft-linked accounts I never authorized in writing or by wet signature. I recently notified you about this and now formally demand these accounts be blocked and removed from my report immediately. These false entries are causing me major distress and misrepresent my credit history. I'll pursue legal action if this isn't fixed promptly. These fraudulent items have prevented me from reaching important financial goals like buying a home and supporting my family.
Consumer complaint received 2023-04-25
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: Bread Financial Holdings, Inc. (ME)

I have attempted to have XXXX and the original creditors remove these two collections accounts They NEVER were my accounts and they were opened without my knowledge or consent. I have not lived in XXXX in over 12 years. My permanent address is in XXXX and I have lived and worked in XXXX and XXXX since 2008. I am attaching my ID 's to confirm this. XXXX NEVER resolved or investigated this, and keeps saying the accounts are " confirmed ''. This is libel and slander, and could cause me to lose my security clearance. I never lived on XXXX in XXXX XXXX or on XXXX XXXX on XXXX. 

I never opened or had accounts with : Comenity Bank Express Comenity Bank AnnTYL
Consumer complaint received 2024-10-10
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)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number:XXXX Creditor Name : XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX . Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX  ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2023-10-04
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2024-10-10
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX XXXX , and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

-- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Subject : ** Request for Removal of Incorrect Addresses and Name Variations **Credit Report Date : ** XX/XX/XXXX **Name : ** XXXX XXXX XXXX **Date of XXXX XXXX ** XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit reports from XXXX, Experian, and XXXX. Upon reviewing my credit report, I noticed the following incorrect addresses and name variations that do not apply to me : 1. **Addresses to be removed : 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 2. **Names to be removed : ** - XXXX XXXX - XXXX XXXX XXXX The only correct name is XXXX XXXX XXXX XXXX and the correct address is XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I did not live at the addresses listed above, nor have I used any other variations of my name. 

Please remove all inaccurate addresses and name variations from my credit report. I kindly ask that this information be updated and corrected as soon as possible to reflect only my current name and address. 

Thank you for your prompt attention to this matter. Please notify me when these corrections have been made. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX-
Consumer complaint received 2024-10-10
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. (OK)

I noticed three different XXXX XXXX XXXX accounts reporting on my credit report about a year ago. All three of these accounts has misinformation being reported so I disputed with the three credit reporting agencies. The credit reporting agencies never responded to me however, I do monitor my credit and nothing changed, all three account were still not reporting correctly. So, I decided to send a letter to XXXX XXXX XXXX asking them to correct, complete, and verify what they're reporting for all three accounts on XX/XX/XXXX. I did not get a response from them either so I sent another letter asking them why they did not respond and that they're verifying inaccurate information on these three accounts on my credit report on XX/XX/XXXXXXXX I still did not get a response so I decided that I was going to continue to send them letters until they responded. I sent letters asking them to fix the errors that they continue to verify on these three accounts with the credit reporting agencies. I sent letters every couple months XXXX XXXX XXXX XXXXXX/XX/XXXX and finally on XX/XX/XXXX which they finally responded to on XXXX They ignored me for a whole year and then finally responded within 3 days! now, I'm disputing three different accounts and I've been sending three different letters every time but in this response they don't acknowledge which account they replying to, just that they reviewed my letters and needed more information to investigate. They asked for a " specific '' complaint and a " specific item ''. In all three letters I provided everything, the account numbers they're reporting, the misinformation they're reporting and verifying, and every letter I've sent has been very specific and detailed with all the information required for them to investigate. Then they went on to say my letter was " frivolous and irrelevant. '' And if that wasn't enough, after ignoring me for a year, finally responding that the didn't have enough information which they do, they ended their letter telling me that they were going to charge me " {$30.00} per our to research my information '' and charge me a " {$25.00} hourly reconciliation fee '' for me asking them to correct the errors they're reporting and verifying with the credit reporting agencies. I don't see anywhere on the CFPB website or online that companies can charge the consumers who ask for compliance with the Fair Credit Reporting Act. To me this sounds illegal and violates my rights as a consumer and that's why I'm filing this complaint.
Consumer complaint received 2024-10-10
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)

I am writing to formally request an investigation into several inaccuracies on my credit report. On multiple occasions, I have disputed the erroneous accounts listed on my report and have requested thorough investigations, but I have yet to receive a satisfactory resolution. 

The presence of these incorrect accounts is causing significant damage to my credit file and adversely impacting my financial health and overall quality of life. These issues have resulted in numerous hardships, and despite my continued efforts to rectify them, no corrective action has been taken. 

I am now requesting your urgent assistance in conducting a detailed investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to ensure the accuracy of my credit report and to update the information accordingly without further delay. 

Please treat this matter with the utmost priority, as restoring the integrity of my credit file is essential for me to regain control of my financial standing. Your prompt action and cooperation in resolving this issue will be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your swift response.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (FL)

I have been trying to get these fraudulent accounts removed for a while. Ever since i have learned how important credit is and I've been trying to build my credit. Please get these account removed they are negatively affecting me and its not my fault. I have gotten a police report, disputed these and nothing changes. It shouldn't be this hard to remove items that I didn't open please help.
Consumer complaint received 2024-10-10
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX bal. {$120.00}. XXXX bal. {$2000.00}. XXXX XXXX bal. {$730.00}.
Consumer complaint received 2023-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear CFPB, I hope this message finds you well. I am writing to bring to your attention a discrepancy I have noticed in my credit report following a recent credit card application with Capital One Bank on XX/XX/2023. 

Upon applying for a credit card with Capital One, I was surprised to find that the subsequent rejection had a significant impact on my credit history, as indicated by the notification I received from XXXX stating that there is a high risk on my credit report. 

I carefully reviewed the terms and conditions provided by Capital One during the application process, and nowhere was it explicitly mentioned that the application itself would have an immediate and substantial impact on my credit history. I understand that credit inquiries may have an effect, but the magnitude of this impact was unexpected and seems disproportionate to the nature of the application.
Consumer complaint received 2023-10-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (WI)

For the last two months, Pennymac 's loan office in XXXX XXXXXXXX XXXX has failed to process my loan repayments in a timely fashion causing my payments to be late for which I was penalized for! 

The first occurrence happened in XXXX of this year. I mailed my payment on XXXX for XXXX 's monthly repayment of my home loan. ( XXXX XXXX : XXXX ) When my check had not cleared my bank as of the XXXX of XX/XX/2023, I contacted PennyMac 's customers service department to find out what was going on! PennyMac customer service informed me that they were having problems with this office processing checks and suggested I submit my future payments electronically in the future to avoid this problem. I told them I did not wish to repay my loan in this manner! And they told me that my only other option was to resubmit my check for my missed payment! Again, I stated I did not miss my payment they misplaced it! But I told them I would resubmit my payment which I did on the XXXX of XXXX. I also cancelled my previous check numbered XXXX. 

After reissuing my check for two payments to cover both XXXX and XXXX 's payments and cancelling the previous check with a stop payment. I was then informed by my bank that PennyMac attempted to cash my check after it had been cancelled! 

In XXXX to avoid any further problems, I sent my XXXX payment on XXXX. To date, they have not processed my check and I have once again I have been charged a late fee for my payment! 

I again contacted PennyMac to find out what is going on with the XXXX XXXX 's office and why my payments were not being processed in a timely manner. I was again told they were working through some problems with that office for processing payments. But I was still liable for any late fees occurred on my account! They again suggested to me to submit my payment electronically to avoid these problem 's! At this time, I requested a new address to submit my repayments to and they provided me an address in CA to mail my payments to! They only problem is that this company refuses to retract these late fees which are caused by their company and by their own actions they are affecting my credit rating in a negative manner! 

For this reason, I have contacted your office for possible resolution to this matter.