davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

We have an account with the Comenity Card Company. 

There is only one transaction every month that is a recurring {$9.00} for XXXX XXXX. 

The statement date is the XXXX of every month and is due on the XXXX. The payment of {$9.00} goes out on the XXXX of every month and is cleared electronically by the XXXX or XXXX. Prior to the due date There was an issue in XXXX where they were having issues processing the amount paid every month that was charging late fees and interest. It was cleared up until XXXX. Spoke with a XXXX about the late fees and interest charged. He agreed with what was said and reversed all the late fees and interest charges to bring the balance to {$0.00}. I asked if there was anything owed for the next billing cycle in XXXX and the answer was " No ''. So, I only owe the {$9.00}? XXXX confirmed the answer was yes. 

Come time for XXXX, the bill came in around {$10.00} or so ( can not remember the correct amount ). Could not call and deal as my wife was having medical issues. 

So, got the new statement for XXXX and shows Late fees of {$40.00} plus interest and says we ow {$46.00}. I spoke with XXXX from Comenity on XX/XX/XXXX around XXXX XXXX  XXXX and understood the issue, but needed a supervisor to assist with the confirmation of the fees. I got on with XXXX and explained the situation and he said that the fees are accurate and nothing can be done. They lied to me on the call. I should not have to pay the price for the mismanagement. Since the daily interest was running, we would owe that amount. I said, you have been receiving the {$9.00} payment every month on time, they made the mistake last month but kept the interest running. Then to charge late fees on top of that. 

He could not even tell me how much it would be if I paid out of account. based on when it would be received. 

To me, this is thievery from a company. I have worked with many companies and never have this issue with ANY of them. They are taking {$40.00} more money from me than I should have to pay. 

What can be done?
Consumer complaint received 2020-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

Impounded property taxes for the loan have not been paid. I notified the mortgage servicer on XX/XX/2019 that the wrong property tax account was listed XXXX ( please find attached response ). They went ahead and paid property taxes to the wrong property tax account. I followed up by phone after seeing this and received no response, followed up by phone again on XX/XX/XXXX after seeing the taxes still haven't been paid with no luck, just the same run around I received before. I don't have time to spend XXXX minutes on the phone over and over to chase these people down and get no resolution. I have had nothing but problems with this mortgage servicer. Horrible service, no accountability and no resolution. At this point, the county tax assesor shows that I am delinquent in my property taxes on the impounded account attached to this mortgage XXXX!! Taxes are impounded with my payment, and of course, I am current on my payments. I have attached both property tax bills, the one that was paid incorrectly and the one that should be paid but has not.
Consumer complaint received 2024-10-05
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/XXXX 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  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX  Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  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 : I made the payment on time as confirmed by the bank statement attached.

A clerical error seems to have occurred in reporting the payment, as there is no record of any missed or delayed payment on my end. 
Additionally, the payment records from XXXX  XXXX do not reflect any past due amounts during the disputed time period. 
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 XXXX
Consumer complaint received 2024-10-07
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. (CA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 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 of a personal credit card account opened at XXXX XXXX in XX/XX/XXXX under the account number ( XXXX ), in the sum of {$0.00}. account opened at XXXX system in XX/XX/XXXX under the account ( XXXX ) in the sum of {$150.00}. A service FCU account opened XXXX under the account number ( XXXX ) in the sum of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent addresses 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 FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, addresses, or hard inquiries as reported. The aforementioned accounts, addresses, 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, addresses, 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 of the aforementioned consumer credit accounts, addresses and hard inquiries are the result of identity theft and fraud. list of inquiries in question :
Consumer complaint received 2024-10-07
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes whic
h antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-05
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. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-05
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. (SC)

In accordance with the Fair Credit Reporting act convergent Account name XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-05
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 recently reviewed my credit report and noticed I was a victim of identity theft. There were several accounts opened fraudulently on my credit report. Please remove these fraudulent accounts from my report. 
I have included documents to confirm my identity. Federal law allows me to dispute inaccurate information on my credit report. 
Please block and remove all information resulting from identity theft pursuant to FCRA 605b ( 15 u.s.c. 1681c-2 ) which states that these accounts must be removed in XXXX business days of receipt. Thank you in advance and I appreciate your prompt attention on this matter. I await your reply.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/year> 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/year> 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 : Payment delay due to postal service issues : In XX/XX/year>, I mailed my payment well in advance, but due to delays with the postal service, the payment arrived late. This delay was beyond my control, and the payment should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the 15-day grace period : Despite the postal delay, my payment for XX/XX/year> was received and processed within XXXX 's 15-day grace period. As such, this account should not have been reported as 30 days late. 
Evidence provided : I have attached bank statements and payment confirmations showing that I sent the payment well before the due date and that it was processed within the grace period once received. This evidence clearly demonstrates that the reported late payment is inaccurate. 
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 XXXX XXXX
Consumer complaint received 2024-10-05
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. (VA)

I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit. Also there is a address listed on my credit report that doesn't belong to me as well as employment.
Consumer complaint received 2020-01-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC (VA)

I was contacted by Credit Control on a date that I cant remember at worked and asked them not to contact me at work and gave them an alternate number and time to call back at. I went on vacation at work and they continued to call my office and others at my office and talked to them about my debt when they could not get a hold of me. Then the contacted me when I returned to work on XX/XX/2020 at XXXX and I spoke with a XXXX who again called someone else at my office first before being transferred to me. They do should not have a main office, as if they have a line it should only be my direct desk line. I asked her to please stop calling my office. I tried to not have a conversation with her as i work in a cubicle and all of my coworkers can hear the conversation, but she pushed me to speak her. I am humiliated because now because of this company my direct co workers and co workers outside of my department now know about my debt. Then today XX/XX/2020 at XXXX XXXX from Credit Control calls again after i asked to have this number removed again! He states that there were notes placed on the account from the call yesterday. Again I am utterly embarrassed. I have to go through the same process today as i went through yesterday, but I am even more upset because fair debt collection laws are being broken!!!!
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NH)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo, allowed the draining of my credit car and money withdrawn from my savings without my permission. My checking account at the time had a balance of {$8500.00} and a hacker got into my account while posing as a XXXX security agent. They took over the handling of my Wells Fargo Accounts and transferred money from my credit card to my savings and then from my savings account and Wells Fargo did not stop it. Even after I called to explained they said there was nothing they could do because it came from my XXXX address. Even though I explained and advised them the transfer was not authorized or done by me. They said because it came from my XXXX there was nothing they could do. Then they charged me an additional {$770.00} for a cash advance I did not authorize. So, I so I closed all of my accounts with Wells Fargo because they did not take protect my funds when they should have. Now I stuck paying advanced fee 's and {$14000.00} back for something I should have had to deal with it Wells Fargo had stop the transaction like they should have. 
When you review their communications, they could not get the total amount correct which lead to more confusion and wonder about their professionalism and being able to protect my funds.
Consumer complaint received 2024-10-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (WA)

I had a vehicle that I got a loan for and I paid money on the loan lost my job about 8 months after I got the loan they ended up repossession my vehicle I never got any notice on anything after they got my vehicle back in procession. And now on my credit report that have the original loan amount as to what I owe on the vehicle and won't tell me what happen to my vehicle. If I was sold how much it was sold for nothing. I can't get them to tell me anything. I believe that this loan should be completely removed from my report.
Consumer complaint received 2024-08-29
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. (NY)

Sent to CFPB [ XXXX XXXX XXXX ] [ XXXX, Ny, XXXX ] XXXX [ XXXX ] ** [ XX/XX/year> ] ** XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : ** Dispute of Inaccurate Information and unauthorized credit reporting XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information reported on my credit file under the above-referenced accounts : XXXX Account # XXXX and XXXX Account # XXXX. My refusal to pay based upon not initiating such accounts. I have refused to pay the amounts claimed. Therefore, I am requesting an immediate investigation into the accuracy of this information. XXXX must provide authorize signature representing consent for such actions under Under the Fair Credit Reporting Act.

I demand that you initiate a prompt investigation into this matter, as required by law. I am also requesting date with signature confirming my authorization. I am entitled to a correction or removal of any inaccurate, incomplete, or unverifiable information from my credit report. In accordance with the FCRA and [ State-Specific Consumer Law ], you have 15 days from the receipt of this letter to complete your investigation and notify me of the results.

Please provide proof of my signature authorizing the opening of these accounts. If no such proof exists, I expect these accounts to be removed from my credit file and all related negative information corrected.

Please send confirmation of your actions to the address listed above and respond appropriately to CFPB case report. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-06
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/XXXX 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 XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by PHL . 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 : Payment Made on Time : The payment was made on time, as evidenced by the attached bank statement showing the transaction on or before the due date. 
Natural Disaster Accommodations : This account was affected by a natural disaster, which should have precluded any late payments from being reported during the affected time frame. 
Clerical Error : There was an administrative error on the creditors part, not reflective of my actual payment behavior. My consistent payment history supports this claim. 
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 XXXX XXXX