davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
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. (CA)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding XXXX.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am contacting your credit bureau agency in regards to the account XXXX XXXX. Your credit bureau has stated they have investigated and marked my report as verified/acceptable in the past, however, I have disputed several times stating the dollar amount and late payments is incorrect. Please advise this is in violation of FCRA and FDCPA. I am now asking your credit bureau for verification of method of investigation. Please advise your credit bureau agency has a 15 day window allowable to provide the method of verification according to FCRA. If not provided within 15 days this will be a violation of my rights and I will seek damages.
Consumer complaint received 2024-09-29
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)

Consumer Name : XXXX XXXX XXXX : XXXX XXXX Complaint Regarding Reinsertion of Fraudulent Accounts Due to Identity Theft Complaint Summary : I am filing this complaint due to the fraudulent reinsertion of accounts on my credit report that were the result of identity theft. Despite submitting a formal Identity Theft Report to the Federal Trade Commission ( FTC ), providing supporting documentation ( such as a police report and proof of identity ), and disputing the accounts with the credit bureaus, these accounts were improperly reinserted without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of Fraudulent Accounts include XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX These accounts were fraudulently opened, reported, and reinserted on my credit report in my name without my knowledge or consent. Initially, the accounts were removed after my dispute, but they have since been reinserted into my credit report without the proper verification process required by FCRA 1681i ( a ) ( 5 ).

Violations : Failure to Block Fraudulent Accounts ( FCRA, 15 U.S.C. 1681c-2 ) : Despite providing the required Identity Theft Report, the credit reporting agencies failed to block these fraudulent accounts within four business days, as required by the FCRA.

Unlawful Reinsertion Without Proper Verification ( FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ) : The fraudulent accounts were reinserted into my credit report without proper verification or notification, which violates the FCRAs requirements for reinsertion of previously disputed accounts.

Failure to Maintain Accurate Information ( FCRA, 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies are responsible for ensuring that the information on my credit report is accurate and verifiable. These accounts are neither, and their continued presence on my report is damaging my creditworthiness.

Ignored Opt-Out Request ( Gramm-Leach-Bliley Act, 15 U.S.C. 6802 & 16 C.F.R. 313.7 ) : I have also submitted a formal request to opt out of any data sharing related to these fraudulent accounts, but this request has been ignored.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (SC)

I rescinded my vehicle contract with XXXX BridgeCrest, in 2023 on my credit report its still reflecting a balance owed. I contacted them for over a year with no proper response or resolution. I final was told just a few week ago it was closed and they will no longer contact me. Since the contract has been rescinded I am requesting it be removed from my credit report. There is no balance owed.
Consumer complaint received 2024-09-29
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. (OR)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer 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 TranUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, last XXXX account XXXX credit card account open at XXXX XXXX  on XX/XX/XXXX, last XXXX account XXXX an personal loan open at XXXX opened on XX/XX/XXXX under the account number XXXX and XXXX XXXX  account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX. several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections the result of identity theft and fraud.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I had AutoPay set up on my account. But weeks before the payment due date, my account was credited, so that on the payment due date the account balance was {$0.00}. Barclay on the payment due date took a payment that was equal to the total statement balance at the last statement even thought the account at the time they took that payment had a {$0.00} balance. This resulted in my account having a credit balance in the amount of the payment they took of - {$37.00}. I called after I saw this activity on my account. I informed them they had no right to take a payment when the account had a zero balance and I wanted a refund issued. I was told it would take five days for the payment to be available to refund. I see the refund check was issued on XX/XX/year>. My point is they had no business taking any payment on an account that had a zero balance. I hope this practice is illegal. I have never had a financial institution do this before.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have bankruptcies on my credit report ( XXXX XXXX  XXXX ) and ( XXXX XXXX XXXX ) that dont belong to me that has been linked to wrong name I have provided documents and tryed to get this fixed and this is clearly violated my FCRA rights, I know have filed a complaint with the state attorney general and my next step is for a law suit, This is ruining my life and I just want them removed and deleted from my profile cause they dont belong to me again Im sending proof, so I can have for my documents as well of how many times I tried to resolve this with the credit bureau and keeps coming back verified but theres no way when its not mine and I never been sent anything verification of this information belonging to me Please delete this I just want my rights as a person to be treated fairly again I will be providing documentation this does not belong to me.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I am writing to formally file a complaint against TransUnion regarding my recent experiences in resolving issues related to identity theft on my credit report. On XXXX separate occasions, I spoke with supervisors named XXXX and XXXX XXXX case numbers XXXX and XXXX, respectively ) regarding my urgent request to block fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). Unfortunately, both supervisors refused to assist me, despite my clear explanation of the situation and the legal framework that mandates their cooperation. I reported XXXX fraudulent accounts on my TransUnion credit report that I do not recognize. These accounts, which are a result of identity theft, include 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  These accounts have led to multiple fraudulent charge-offs, late payments, and collections on my report, severely impacting my creditworthiness. I have requested the immediate removal of these fraudulent items and the cessation of any related collection activities, as is my right under FCRA and FDCPA laws. I am deeply concerned about the lack of support from TransUnion and the failure to act within the required four business days. This situation has caused me significant distress and financial harm. I urge the XXXX to assist me in resolving this matter promptly. I expect TransUnion to fulfill its obligations under federal law and to rectify my credit report by removing the fraudulent accounts immediately.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX & XXXX ACCT # XXXX OPENED DATE : XX/XX/year> XXXX XXXXXXXX & XXXX ACCT # XXXX OPENED DATE : XX/XX/year> XXXX XXXXXXXX & XXXX ACCT # XXXX OPENED DATE : XX/XX/year> All results of identity theft all been deleted already came back as collections
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

One all 3 credit reporting agencies are reporting different information for my current school loans. All three 3 reporting agencies are reporting different names for my XXXX loans, XXXX is reporting it as XXXX, Equifax is reporting it as XXXX University, and XXXX is reporting it as XXXX, this is all inaccurate! the loan for {$11000.00} some show XXXX XXXX monthly payment, some shows deferred, this is also inaccurate reporting for all 3 reporting agencies, for these 3 loans they all have the same account number so how is 2 of them in good stand but the third is in two reporting agencies it states collection and the other charged-off, again inaccurate reporting! this doesnt even make sense Ive never received bills but even so I am a full time XXXX student they all should be in deferred status anyway and according to the government students are in repayment status yet! Again how are loans for XXXX and XXXX in good standing but the loan for XXXX in collections? Its the same account for all 3 loans and a deferment doesnt belong in collections! I want this immediately corrected, this is ruining my credit and cause me distress as I am trying to learn to save lives I have enough stress with school! Also the highest balances are reporting lower than the balances this is also reporting inaccurately, do they even check this information before just putting it on people credit reports? Many unlawful violations are on my credit report pertaining to these loans and according to 15 USC 1681a Deinitions of Rules of Construction ( 2 ) Exclusions transactions meaning payments are a form of transactions whetted o time or late should not be reporting on the consumer report anyways so these 3 credit bureaus are breaking consumer law!
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am a victim of identity theft, and a fraudulent credit card account has been opened in my name at XXXX XXXX, accumulating a debt of {$4000.00}. The application for the card used a phone number, mailing address, and email address that do not belong to me. Upon discovering this, I promptly reported the issue to XXXX XXXX, explaining that the card was opened fraudulently. Despite my efforts, XXXX XXXX refused to investigate the matter properly. 

Following the initial rejection of my claim, I filed a second report, which included supporting documentation such as police reports, an FTC report, an IC3 report, and my current address. Despite these efforts, I have yet to receive any response from XXXX XXXX. Every time I attempt to follow up by phone, I am passed between multiple departments without any resolution. 

In addition to this, I have requested XXXX XXXX to provide documentation regarding the fraudulent application, but they have failed to do so. The unresolved fraudulent account has severely impacted my personal credit, resulting in a drop of more than XXXX points. 

The resolution I am seeking includes the following : - A formal conclusion to the investigation, confirming the fraudulent nature of the account. 
- Removal of the {$4000.00} debt from my account. 
- Removal of any negative reporting related to this fraudulent card from my credit report at all three major credit bureaus. 

I urge XXXX XXXX to address this matter as a priority to restore my financial standing and creditworthiness.
Consumer complaint received 2017-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MN)

1 ) XXXX XXXX indicated that my last mortgage modification would bring my loan current to XX/XX/XXXX. My loan was brought current to XX/XX/XXXX. This was escalated for resolution and has yet to be resolved. 

2 ) I wrote a letter indicating issues with my mortgage modification and that I wanted to proceed with a Bayview in-house modification, and I sent in the request for resolution within 30 days after signing ( the instead offered and accepted HAMP mortgage modification ) documents to indicate issue. This has yet to be resolved. 

3 ) I sent in all documentation requested of me by XXXX XXXX ( and XXXX XXXX ) and communicated regularly with employees at Bayview Loan Servicing to indicate my intention to avoid foreclosure. I have complied with sending any and all documentation requested to qualify for work out options. This has yet to be resolved as work out options have not been communicated to my attorney ( to the best of my knowledge ). 

4 ) XXXX XXXX told me in recorded phone conversations that I would be eligible for a repayment plan, and then would n't get back to me until after my mortgage was referred to foreclosure attorneys at XXXX XXXX XXXX XXXX XXXX attorneys, resulting in thousands of dollars of extra fees that included payments due that were to be deferred in my principle balance, and then authorization was given twice to proceed with scheduling a foreclosure sale of my home. This is dual tracking in Minnesota and extremely poor business conduct, which has led these issues being addressed today. 
I am submitting this complaint to indicate that I am still trying to resolve these issues. 

5 ) My attorney has requested all work out options available to me from Bayview Loan Servicing,  and has yet to receive these options, to the best of my knowledge. Please send them. 

6 ) I am trying my best to work with Bayview to collaboratively avoid foreclosure, which has been my stated intention all along. It is in the best interest of everyone involved to avoid foreclosure of my home. I request resolution of these complaints and ask for any and all assistance. 

Thank you.
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN HONDA FINANCE CORP (OK)

I received a promotional offer from XXXX XXXX to terminate my current lease by buying or leasing a new XXXX model. There were also several coupons for services to choose from if you took a XXXX for a test drive. On XX/XX/XXXX I went to Honda with the intention of purchasing a vehicle, but after the air conditioning didnt work on the test drive vehicle and a payment plan couldnt be agreed upon, I left in my current lease. Without my consent or knowledge, XXXX XXXX issued a hard pull on my credit which is effecting my credit score. As I did not initiate a new lease or purchase I dont see why they should have pulled my credit especially after the sales man assured me my interest rate would be low when I verbally told him my credit score.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN XXXX BUSINESS DAYS after the date of receipt by such agency of. 

PLEASE REMOVE ALL ACCOUNTS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-29
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. (MA)

XXXX XXXX Unauthorized account and use XXXX XXXX XXXX unauthorized hard inquire XXXX XXXX XXXX XXXX MA I never lived here at this address
Consumer complaint received 2024-09-28
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)

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 trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX {$0.00} XXXX lead {$47.00}XXXX XXXX fin {$0.00}, XXXX Main {$0.00}, XXXX {$0.00}, XXXX lead {$0.00}, XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$230.00}, XXXX XXXX {$250.00}
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (AZ)

Subject : Formal Inquiry Regarding Credit Card Application Denials Dear Sir/Madam, I am writing to formally express my concerns regarding the repeated denials of my applications for a Citibank credit card. I have applied several times over the past [ XX/XX/year> to XX/XX/year>, but unfortunately, I have been denied each time without clear, actionable reasons. 

According to 12 CFR Part 1002 ( Regulation B ) of the Equal Credit Opportunity Act ( ECOA ), it is unlawful for a creditor to deny credit based on discriminatory practices or without providing a specific reason for the denial. As a consumer, I am entitled to a fair opportunity to obtain credit and expect transparency regarding any decisions affecting my application.

I respectfully request the following : 1. A detailed explanation of the reasons for my application denials. 2. Clarification of any adverse information affecting my creditworthiness, so I may take appropriate steps to address it.

3. Reconsideration of my application, should there have been any errors or oversights during the review process. 

Please treat this as a formal inquiry under ECOA. If my applications were denied based on incorrect or incomplete information, I ask that you promptly correct your records and reassess my eligibility. 

I look forward to your prompt response within 30 days, as required under federal law. Should I not receive a satisfactory response, I will consider escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursuing further action to ensure compliance with the law. 

Thank you for your attention to this matter. I trust that Citibank will handle my inquiry with the professionalism and fairness it is known for. 

Sincerely, XXXX XXXX