davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute inaccurate information reported by XXXX, XXXX, and TransUnion on my credit report regarding my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The report incorrectly shows late payments for XXXX, XXXX, and XX/XX/year>. XXXX reported that I made a {$0.00} payment on XX/XX/year>, when in fact I redeemed points for cash in the amount of {$49.00}. Additionally, the remainder of the XX/XX/year> payment was made on XX/XX/year>, which falls within the 30-day grace period stipulated by the CFPB for the due date of XX/XX/year>, and should not be reported as late. Despite these facts, XXXX, XXXX, and TransUnion have falsely reported my account as late as of XX/XX/year>, and have reported a past due amount of {$930.00} as of XX/XX/year>, which is incorrect. Furthermore, XXXX XXXX extended the due dates for these payments XX/XX/year> and XX/XX/year> per an extension agreement dated XX/XX/year>.
Consumer complaint received 2024-07-02
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. (WA)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-07-27
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: EQUIFAX, INC. (CA)

There should be only 4 inquires on my Equifax credit report. All other inquiries where removed due to me closing indentity fraud and placing a fraud alert on my credit reports. i recently had to lift the fraud alert in order to do business with my credit report. And all the old inquires, they had been removed for over 6 months now, all came back in one single night. The only inquires that should be on my report are these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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. (CA)

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (AZ)

I received an email inviting me to open a business checking account deposit {$10000.00}, keep the balance above {$10000.00} for XXXX days, and complete XXXX transactions in order to qualify for a {$600.00} bonus. I called to inquire about this and reviewed the details with the rep told them I planned to deposit {$10000.00} at account opening and will leave at least {$10000.00} in the account until I get the {$600.00} bonus. I made an appointment and went into a branch deposited {$10000.00} told the banker my intention was to qualify for the {$600.00} bonus and they agreed I would meet the terms as long I completed XXXX transactions and my balance did not fall below XXXX. My balance never fell below XXXX for XXXX days just like the terms stated but they only gave me a bonus of {$400.00} not {$600.00} as promised. I have met all the terms to qualify for the full {$600.00} but that bank has not credited the difference. Please help.
Consumer complaint received 2024-03-07
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)

Dear Credit Bureau, I recieved a copy of my credit report and i have found the follwoing items listed below to be in error. These accounts are listed with late or missed payemnt and that is incorrect. the follwing accounts wer NEVER late and should be listed as PAYS or PAID AS AGREED. 


XXXX XXXX XXXX XXXX ACCOUNT # XXXX I was Never Late on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on this Account Please Update the account as PAID/CURRENT. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinventigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your helping this matter, XXXX XXXX
Consumer complaint received 2024-07-03
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CarMax, Inc. (TX)

XX/XX/2023 i applied for a consumer credit transaction, an offer was made of XXXX i accepted the offer. they then told me that i have to put a XXXX down payment its required, the vehicle total cost is XXXX.but if we are going off a consumer credit application that means the fees and payments are taken care of due to the fact i was applying as a consumer and using the vehicle for personal and family use.15usc 1602 ( i ) in addition to the acceptance i was allowed to test drive the vehicle. as we are now back at the desk the sales woman was in attempt to complete my contract. i stated that i was not a customer but applying as a consumer to extend my credit to the business. they then begin to ask for information like check stubs, i provided them and everything was done electronically. i asked do they participate in TRUTH IN LENDING ACT and they replied yes well when i stated code 15 USC 1602 ( f ) - ( The term CREDIT ) - means the right granted by the creditor to a debtor to defer payment of debt or to incur debt and defer its payments. and aslo stating 15 USC 1611 Criminal liablility for willful and knowing violation because of discussing a contract between two entities not including the actual entitiy applying for the consumer credit.Carmax deliberately left me out of the finance agreement while having a verbal conversation over the phone then coming back to me acting as the middleman. i feel Carmax employees are incompetent in knowing federal laws and acts. A Consumer Credit Transaction - ( CONSUMER-a person who purchases goods and services for personal use. CREDIT-means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payments.TRANSACTION-to exchange. im simply stating, my rights as a consumer has been violated along with being disrespected by the dealership and finance company. while reiterating the laws to them and exercising my right in hopes that the people im extending my credit to would be competent but they are not! i made aware of my EXACT INTENT for the use of the services/goods. for personal use which falls under the the 15 usc 1602 ( i ). i also understand by law iam the original creditor.
Consumer complaint received 2024-04-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sunbit, Inc. (CA)

I called Sunbit today on Saturday, XX/XX/year>, on or around XXXX XXXX, XXXX XXXX, and a third time at XXXX XXXX 

The response from Sunbit was egregious. The first call was a female agent who identified as XXXX. I asked to speak with a supervisor. She refused to transfer unless and until, I provided my personally identifiable information. When I asked for a supervisor again, she responded okay sir then promptly disconnected the call on me. I called a second time and the call was answered because I heard background noise. The agent did not provide any introduction or say hello. When I disclosed the agent was engaging in call-avoidance and Im submitting a complaint, the call promptly disconnected. I called a third-time and spoke to male agent named XXXX. I asked for his supervisor. His response was there were none available. I then said Ill have him resolve the reason for my call, he refused, said no then willfully and knowingly disconnected the call on me. This is improper and gives Sunbit a bad look. The reason for my call is because my online access to Sunbits website has been deactivated. Sunbit took away my ability to log into my online account to check my balances and make payment online. Also, I have made ACH payments in the past and Sunbit has failed to provide any online billing statements. Not providing billing statements is a violation of certain consumer laws. I seek to hold Sunbit accountable for their violations of both federal and state laws. Sunbit has denied me online access and telephone access to get information pertaining my loans and on-time payment history. I have no way of checking my current and previous billing statements, current loan status, and to make a payment telephonically or online. I look forward with sharing this complaint with the : FTC, OAG, DFPI, XXXX, Sunbits primary regulator and a consumer law attorney that specializes in plaintiff-side prosecution. Finally, I believe Sunbit is behaving improperly in retaliation to my previous CFPB complaints. My online access and phone calls have been prohibited after my previous CFPB complaints. This is retaliation and another violation of certain laws.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Dear Credit Bureau, I received a copy of my credit report and i have found the following items listed below to be in error. An account is listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter.
Consumer complaint received 2023-05-20
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: ID Analytics, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX XXXX XXXX Disputing Identity Theft Report XXXX Dear Sir/Madam, I am writing to dispute accounts that were opened onder my name. My personal information has been compromised, resulting in fraudulent accounts appearing on my credit report. I am unaware of and do not recognize the following fraudulent accounts : 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 I have taken immediate action to address this issue by notifying the relevant financial institutions regarding the unauthorized accounts. However, I believe it is essential to escalate this matter further and request a thorough investigation to rectify the situation promptly. 

I kindly request the CFPB 's assistance in investigating the extent of this identity theft and taking appropriate measures to protect my personal and financial information. It is crucial to identify the perpetrators responsible for this fraudulent activity and prevent any further damage to my credit and overall financial well-being. 

Enclosed with this letter, please find supporting documentation, including a copy of my credit report highlighting the fraudulent accounts, a police report numbered XXXX, as well as any other relevant information that may aid in your investigation. 

I am committed to cooperating fully with the CFPB and any other law enforcement agencies involved in this matter. I understand that additional information or documents may be required during the investigation, and I am willing to provide any necessary assistance to resolve this issue promptly. 

Please keep me informed about the progress of this investigation and any actions taken to resolve the fraudulent accounts associated with my identity. I appreciate your attention to this matter and your commitment to consumer protection. 

Thank you for your prompt assistance in resolving this issue. I look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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. (CO)

XXXX XXXX XXXX Has a false collection account on all 3 of my credit reports I have disputed this collection agency multiple times. Ive asked for a contract for service of goods or merchandise or any contract that I committed to. The company has not sent me a contract where I signed to pay them for service of good or merchandise. The company has defamed me by saying I owe money to XXXX XXXX for years. I do not have a debt with XXXX. I have not previously had a debt with XXXX. I have attached my XXXX  billing with the XXXX letter head and the website listed below. I have no bill with XXXX I have a XXXX balance with XXXX. I do not owe this company money Ive never entered into an agreement with this company. But TransUnion, XXXX, and XXXX refuse to delete this degradable information from my credit report which has caused great hardship. The screenshots also have date details in the screenshot
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (AL)

I used a mortgage broker ( XXXX XXXX ) to refinance my home in 2020. In the process, my mortgage broker told me not to pay my mortgage payment to make sure the numbers on the refinance paperwork are correct. I voiced my concerns about a late payment. The mortgage broker stated that I had nothing to worry about because the payoff payment would not be past 30 days. I believe that the mortgage broker failed to act in a timely manner, therefore causing Caliber Home loans to submit a negative report to the credit reporting agencies. I have had a late payment on my credit report for over XXXX years now. I have tried repeatedly to get the companies to correct their mistake with zero results. The negative report, that was not my fault, has damaged my ability to get the financing that would be available if not for the inccorect report. Please help me get this resolved.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

I received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

I was Never XXXX on ( XX/XX/2024 -Feb 2024 ) on this Account Please Update the account as PAID/CURRENT. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any XXXX that the creditor can not verify. I understand that under XXXX U.S.C XXXX ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter,
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MT)

Midland Credit Management calls every other day while I am at work. They contacted my husband 5 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) On XX/XX/XXXX I was out of signal and Midland tried to get him to set up a payment plan, tried using intimidation tactics and said he will note that we promise to make a payment amount of {$100.00} on a due date at the end of the month to which my husband declined, they tried to guilt trip him by telling him shes your wife, you should want to help her. We are in Montana where a spouse is not liable for another spouses debts. He told them we would figure something out when I was back and they continued to push him to set up payments for me, warning him that it could be in court next week.
Consumer complaint received 2024-04-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Wheels of Chicago, Inc. (IL)

Ive purchased this vehicle of mine from wheels of Chicago inc located on XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Ive been trying to resolve this issues of the company missing up my payment dates since I purchased the vehicle now Im being told by a rep name XXXX he wont be helping me because of the complaints I made as I expressed to XXXX in email the complaints I made were in fact true and the company has not been able to assist me and this is getting out of hand even on there company site views they are terrible people to their customers
Consumer complaint received 2023-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX, I applied for a remote job position at my school, XXXX XXXX XXXX. A few days later, I received an email from the school ( later I discovered it was a scammer ) about that job I applied for. I foolishly followed their instructions and received a {$3000.00} check through email that I would deposit in my Wells Fargo XXXX  account for supplies. I sent the money to XXXX other people that claimed they were XXXX  representatives, XXXX XXXX ( XXXX ) with {$1500.00} ( {$43.00} for just the fee ) through XXXX, and XXXX XXXX ( XXXX ) with {$1500.00} through Wells Fargo XXXX. This happened on XX/XX/XXXX. On XX/XX/XXXX, quickly after I sent the money, I found out I was scammed and tried contacting Wells Fargo to cancel the transaction, only for them to claim it was too late ( despite the transaction pending at the time ) and I needed to file a claim. Allegedly the claim was closed because again they claim it was too late for a refund. Wells Fargo later overdraw the {$3000.00} that I didn't have in my XXXX account because they were too late to realize the check was fake. Now I have no money because Wells Fargo refused to take this case seriously. Same with XXXX because they kept telling me to talk to Wells Fargo for a refund, even though Wells Fargo wanted me to talk to XXXX about this problem.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB (AZ)

I purchased some items from XXXX online and use Klarna. I received the item, but had to return it because the size was incorrect. I provided Klarna with the receipt, provided them with proof from XXXX that it was returned, yet they continue to taking money from my account with out permission for this " debt ''. They took the money from my account 15 times since XXXX of 2023. I ended up disputing it with my bank, yet Klarna continues to attempt to collect this debt. Now they have hired a debt collection agency to collect a debt that doesn't exist. Despite me having proof of return. I have attached a copy of the return receipt and the email exchange between myself and their despite department where I provide the proof, yet they reactivate the need for payment anyway.