davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Due to a series of unfortunate and unexpected events, I fell behind on my loan. I communicated my difficulties and payment plans to the bank during 90 % of all calls. A payment was made as promised on XX/XX/year>. On XX/XX/year> I called to make another promised payment and advised the rep at that time that I had filed bankruptcy two days prior and my attorney would be reaching out to them. The representative informed me that with this information, she would not be able to accept my payment. On XXXX  I was contacted by a representative asking for a payment. I told her that I had tried to pay earlier but since I filed bankruptcy, my payment was refused and offered to make a payment on this call with her. She put me on hold and came back saying that they could not take my payment. The following day, on XX/XX/year>, I was informed that my vehicle had been towed from a parking lot and on XX/XX/year> received an electronic notification that they had repossessed the vehicle for failure to pay as promised. I did not fail to pay as promised, my payments were refused when I informed them that I had already filed bankruptcy. Their continuing collections activity after being notified of a bankruptcy violates the FDCPA.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Fl XXXX Date XX/XX/year> I am writing to request a detail description of the investigation process followed by your agency regarding the disputed accounts on my credit report. pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( 7 ).

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer dispute. 

Account XXXX ACCOUNT # XXXX
Consumer complaint received 2023-10-05
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} ( tied up ) XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$440.00} XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ( XXXX XXXX ) XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-01
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. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system I had set up with XXXX. Although the payment was scheduled and funds were available in my account, a technical issue caused the payment to be processed late. This delay was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statements showing the payment was scheduled on time. 
Correspondence from XXXXXXXX confirming the technical issue that led to the delay in processing. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need to unfreeze my credit report, I did it with the other two companies but I can not access my account, the woman on the phone was unable to help me access it and told me that someone would call me back in XXXX hours which did not happen. I can not get through to anyone. If you do not have your log in info you are hostage to them. Even the system says there is something wrong with my user name and it can not provide it to me or help me. I want to buy a house and they need this report. This is mistreatment of the worst kind. They have my info and I am locked out and noone to help me. Please send them a citation or something. Are they able to lock me out and not help me? Horrible service. I held for over XXXX minutes the first time and the person who answered the phone did not even know the correct website for me to access and lied that someone would call back.
Consumer complaint received 2024-09-16
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. (TN)

I recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (IA)

Citibank makes it incredibly easy to sign up for checking and or savings account. You can do so online without ever talking to a person. If you want to cancel your account they make it incredibly difficult. There is no way to cancel online. You must call their customer service line. That customer service rep will request you give them your security word. I have no recollection of ever filling out a security word for my account and am usually very good about keeping those sorts of things. A XXXX search suggested that XXXX only has you select a security word for accounts that have credit cards. They also requested my card number, but I was never issued a card for my account ( no debit or credit card ). When I searched online on Citi 's webpage and app, there was no way to look up my security word and when I clicked on a link in their " FAQ '' that said " Forgot Security Word '' the link opened to a page not found notice. 

I asked for assistance and the first customer service person hung up on me. The second one was more helpful ( because I stated I intended to file a complaint with the CFPB ) and stated the only way I could close my account was to go to a branch. I asked her where the closest branch was from my city ( XXXX  XXXX XXXX ), knowing the closest branch was hundreds of miles away. She was unable to answer and said I needed to send them a letter and she was going to give me a mailing address. I asked to speak to her supervisor. 

Her supervisor was able to send me a text message to authenticate my identity and then stated he submitted an application to cancel my account. This shows the bank CAN cancel accounts over the phone without a security word or debit card number ( both of which I do not believe ever existed for this account ), but they make it very difficult to do so. Most consumers can not aggressively advocate on their own behalf and had I not been aggressive, they would not have canceled my account- and eventually would have started charging fees on my checking account. There is no way to change or look up the security word and they stated they couldn't issue me a debit card without the security word. As a result, I was going to be forced to drive hundreds of miles to the nearest branch just to close an account. 

I agree with the FTC that it should be as easy to cancel something as it is to sign up for it. The barriers Citi has placed in the way of canceling accounts are intentionally designed to stop people from canceling, so that they can continue to collect fees and keep money in their bank.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (OH)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Monarch Recovery Holdings, Inc. (OR)

This company continues to call me and won't leave a message so I know what kind of company they are, and they continue to call every day. I am on XXXX XXXX from work, and don't have an income right now, so I'd like them to stop trying to collect any debts that I don't know about.
Consumer complaint received 2024-09-10
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. (AL)

Equifax is reporting an open account on my credit report I havent given them or anyone else to use my credit they need to remove this account immediately Account name : XXXX XXXX Fair Credit Reporting Act 15 USC 1681 section 602
Consumer complaint received 2024-09-16
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. (MD)

I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY
Consumer complaint received 2024-09-16
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. (ME)

These companies pulled up my credit report without my authorization and this has hurt my credit and XXXXredit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am currently reviewing my TransUnion Credit Report and there is an address reporting on my report that is not mine at all. 
Below is the address that I would like to have permanently deleted from my TransUnion Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-09-16
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. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXXL account opened : XX/XX/XXXX amount {$7600.00} Account # XXXX, XXXX XXXX XXXX & XXXX Account opened : XX/XX/XXXX, XXXX : {$53.00} Account # XXXX. XXXX XXXX XXXX XXXX Account Date XX/XX/XXXX. Inquiry : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
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. (OH)

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX transunion XXXX XXXX XXXX XXXX Balance {$4800.00} Date Opened XXXX XXXXXXXX, XXXX  I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX {$3800.00} Date Opened XX/XX/XXXXXXXX  I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

credit XXXX bank date opened XX/XX/XXXX {$720.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX date opened XX/XX/XXXX {$18000.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

Inquiries XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (AZ)

On XX/XX/2024 XXXX XXXX, ran by TD Bank sent out an email stating their website was updating. Td Bank changed my account number without consent. Because of this, my account number changed and I am unable to make purchases on XXXX. On XX/XX/2024 I started calling both XXXX Customer Service and TD Bank ( XXXX XXXX ) for assistance. Both companies told me they can not assist me. TD Banke does not have access to thr XXXX website to make updates and XXXX said they can not control the finance side. 

XXXX said that all new customers can only use XXXX for financing, however, existing TD Bank ( XXXX XXXX ) customers can still use TD Bank. But when the account number changed with TD Bank, it did not update on the XXXX website. 

TD Bank has a 1 hour hold time over the phone and XXXX transfers my call to e-commerce, accounts, and even XXXX XXXX and no one is able to help me. The reps told me it would take 3 business days for an update. I tried calling and no one seems to my reference number XXXX. My account number was changed without consent and does not match the XXXX website. When I try to inquire about getting help no one from XXXX or TD Bank can help me even though those companies changed my account number without consent.
Consumer complaint received 2024-08-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NY)

I would like to report that upon checking my credit report on XX/XX/XXXX, at approximately XXXX XXXX, I noticed XXXX collection accounts, XXXX representing XXXX XXXX XXXX. The name of the collection agency is XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MN. I have been experiencing identity theft, cybercrime, and data breaches since XXXX. The reason I am filing this complaint is because I don't own these accounts ; they are a result of identity theft. The next account I am claiming as a fraudulent account is AMSHERCOLLECTIONSERVICES Located at XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Who represents Dish Network
Consumer complaint received 2024-09-16
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. (NC)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Incorrect Information XXXX XXXXXXXX XXXX - Incorrect Personal Employers XXXX XXXX XXXX - Incorrect Employers XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX Incorrect addresses XXXXXXXX XXXX XXXXXXXX - Incorrect Names