davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-10-04
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)

I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I recently got a copy of my credit report and noticed a bunch of addresses that Ive never lived in that were not mine. Please remove these addresses that I do not know of. I should have only one address on my credit report and that is XXXX XXXX XXXX XXXX, TX XXXX. I have attached a photocopy of my driver 's license and phone bill. Please delete these addresses immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (NC)

The account from XXXX XXXX. This account was charged off by XXXX XXXX and the account was close. Income can not be reported on my consumer report this account was filed on my consumer report as debt, but according to 15usc 1681 ( e ) b this is no longer a debt and was forgiven once the account is closed or charged off by the original debtor. I would like the Debt of validation letter from XXXX XXXX XXXX the debt collector that is trying to collect the debt for the company XXXX XXXX. If they cant provide validation I remedy this be taken off my credit report immediately all 3 bureaus. This has negatively impacted my life. 15usc 1681eb Debt of validation letter XXXX XXXX
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: ENCORE CAPITAL GROUP INC. (NV)

On XX/XX/year> I attempted to ask for a reinvestigation and validation of debt that DOES NOT JUST INCLUDE PHONE CONFIRMATION, BUT THAT REQUESTS PROVIDING DOCUMENTATION TO ME THE CONSUMER CONCERNING THE DEBT IN ORDER TO VALIDATE IT AS I AM ALLOWED BY LAW. 

XXXX REFUSES AND REJECTED MY REQUEST FOR REINVESTIGATION OF THE DEBTS AND HAS NOT PROVIDED NOT XXXX SINGLE VALIDATION OF THE DEBT INCLUDING, BUT NOT LIMITED TO, debt contract ; purchase agreement; assignment contract, date of last missed payment, XXXX, insurance claim, statue of limitations, etc. etc. 

I request the debt be removed if it is not validated. I also ask that XXXX discontinue ignoring the law. Debts include XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. 

I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX I used my XXXX prepaid XXXX card to pay a bill using the bill pay service XXXX offer on line with your account. I paid my bill in the amount of {$490.00} once I finished I call the merchants to let them know I just made a payment for {$490.00} I was told by the merchant that they no longer handle my account to get my money back. So I Immediately called XXXX customer service and spoke with a representative and explain what just happen that I just did a bill payment in the amount of {$490.00} that I was just told by the merchant they no longer handle my account, so I want the to stop the transaction get my money back. I was told by the representative that I would have to wait for the transaction to post to the account it XXXX take XXXX days once it post we will reverse the amount back to your account. So I check my account the {$490.00} posted on XXXX XXXX. It stated very clearly on my account that CREDIT-BILL PAY {$490.00} Funding Reversal. I was to by the representative that the {$490.00} would be back on my XXXX prepaid card. It was never put back on my card I had to order a new card which I never received. I file a dispute for my funds on XXXX XXXX. I was told that a investigation would be done in XXXX days if the investigation still going on I would receive a provisional credit on the new card on XX/XX/year> I dont receive the provisional credit on my card. So I call the refuse to give me my money back I even wrote a letter explaining the situation to them also I email to. When I call I keep getting the run around transferring to different departments nobody has help me. The Dispute number I was given on XX/XX/year> by a representative name XXXX give me this Claim number XXXX. Thanks.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Even while connected Transunion has refused to run disputes. Currently XXXX has run all FCRA DISPUTES and removed all incorrect information yet Transunion has failed to run any dispute accurately. Even when given the information from XXXX disputes they still have not run disputes to FCRA STANDARDS. They have been given the deletion of multiple accounts over the mail and never responded or investigated them properly
Consumer complaint received 2023-07-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I have been in loss mitigation for over a year. Was awarded HAF payments when I was without a job for an extended period of time. 
I have been keeping close eye on my acct. Making substantial extra payments in my acct to bring the principal down. I will include screenshots from credit bureaus as I had it down to well below {$11000.00}. Last Friday I checked my acct and I showed some crazy high number as remaining balance. I had been paid head until XX/XX/XXXX. Last Friday it showed I was behind since XX/XX/XXXX. I will include screenshots of the acct last Friday and several screenshots with recent payoff amounts and credit reporting agencies. I am ready to pay off the house. I have the money in my acct. It should be less than {$10000.00} by now. Please help. I have been working tirelessly with several XXXX XXXX XXXX, my own XXXX XXXX and working full time to pay this house off for the children.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I've been trying to use my 2 lounge access passes that they guaranteed came with my account when I opened my Venture card. They're supposed to expire at the end of XXXX but each time I try to access a lounge, I am turned down when they scan my card. I asked for any printed material, a letter, or anything I could present. They refused to provide anything. This means the access lounge access they promised when I signed up for the card is just a hoax. 

They've given me different excuses. One time, they said it would take 14 days to get a membership number to provide me for the priority pass lounge. When I said OK, go ahead and start the request, they came around and said that's not actually the case. They said I only have access to the premium lounge. So then I asked for information on how to access a premium lounge ; they then came around and told me that I was not eligible. 

This is clearly false advertising to lure people to sign up for the card. Now, the only option they are giving me is to upgrade to Venture X, which charges more annual fees. Consumers should be protected from this type of practice.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2024-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have sent Experian multiple letters to correct the incorrect personal information with my ID with my CORRECT address and ask then to remove the incorrect address and they are refusing to remove the incorrect information, This is the 5th time asking them to correct this.
Consumer complaint received 2024-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (GA)

Im unable to withdraw my cryptocurrency due to a restriction on my account ( Account Number : need immediate access to my funds.

Please resolve this issue as soon as possible and let me know if you need any additional information from me.

i have been a long time user of the platform and this is horrible
Consumer complaint received 2024-09-01
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: ALLY FINANCIAL INC. (GA)

After looking at my credit report, Im seeing multiple inaccurate inquires place on my credit report with companies that i dont have any account with. Upon contacting these companies credit departments asking, do i have an account with, their responses is no we dont have any account for you with this company. Upon hearing that i requested of them to delete the negative inquires which the say that theyll do an investigation and remove the negative items. It has been well over 30 day and none of items as been remove. The companies are Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Fair Credit Reporting Practicing Act 15 U.S.C SS 1681 i Disputing inaccurate Information on credit report
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Description of complaint : I am not liable for this debt with XXXX XXXX. I do not have a contract with this collection agency trying to collect and reporting this to my credit report. I did not sign any paperwork with this collection agency XXXX XXXX stating that I will pay them or owe any money. They did not provide me with the original contract as requested.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-09
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 file a compliant thru the CFPB on XX/XX/year> on Transunion improper use and inaccurate information of my credit report. ( Complaint ID XXXX ) They investigated the complaint According to the FRCA " Investigatve Consumer Report means a consumer report on portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such items of information. 

They stated my accounts were modifed and verified accurate, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate.And according the FRCA 15 USC 1681 everything has to be 100 % Accurate as stated by law.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Under the Fair Credit Reporting Act, credit bureaus, medical information companies and tenant screening services must protect consumer data. These companies must maintain accurate records and investigate when a consumer disputes information These are the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I ask for evidence, since you have not delivered what I ask of you .... I ask for evidence such as certification tests and documents that verify the veracity of each account since just a simple document is not proof that that account is Truthful. .... For inquiries, request the document where I authorize with a signature that my data be taken along with proof of certification. For the accounts, request a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided by 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute.