davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that XXXX, XXXX, transunion will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-26
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. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-01-26
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. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (GA)

I opened a Venmo account, provided the profile information ( email, XXXX, XXXX, phone number ) and attempted to add payment information but they froze my account. This is before any transactions were made. I opened a support case with them and was told " Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement. '' I have not had any activity with them but now they are saying I have to upload a picture of my government ID to unfreeze the account. I think this is disparate treatment when other Venmo users do not have to provide such information. And I think its a security risk to provided them with a copy of my documents with no assurances that they will properly safeguard the information.
Consumer complaint received 2024-06-08
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. (TX)

I am taking steps to have these accounts disputed and investigated due to their wrongful reporting on my credit file. The Fair Credit Reporting Act entitles me to {$1000.00} for each mistake. I know that FCRA 605B requires us to report any incorrect information on a consumer 's credit report.
Consumer complaint received 2024-07-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO. (CO)

My mail was being intercepted. The XXXX employee came to my door with these XXXX mortgages from Chase and told me that my mail was being intercepted. I would like to know how its even possible to apply for a mortgage when you have fraud and freezes on your credit report.
Consumer complaint received 2024-07-31
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: JPMORGAN CHASE & CO. (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. 

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. 

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention
Consumer complaint received 2020-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

I have Nelnet loans and I applied for recertification. I was on Income-Driven Repayment and my specified payment was until XX/XX/XXXX. Prior to recertifying I explicitly asked if I changed the repayment plan would my current plan still carry out in full and then the next plan would take effect in the following month. I was ensured it would not interfere with my current plan. I reapplied on XX/XX/XXXX well ahead of the recertification due date of XXXX. When the new repayment option the due date moved up to XX/XX/XXXX. When I spoke to Nelnet they told me that the IDR I was on was terminated and immediately they put me on the new plan. Being that those payments would be higher I asked if they can void the new status and restore my former due date and they said they can't. Being that my income increase, they explain even if they gave me IDR it would reapply it from the current date and my payments would be higher than my prior IDR and the plan I chose.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX  I've requested information that I've done business with this company and have yet to received anything. I have never done business with XXXX XXXX XXXX XXXX and they should not be reported on my report
Consumer complaint received 2024-01-26
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. (ID)

Dear CFPB, - My name is XXXX XXXX XXXX. I have a hard inquiry on my transunion credit report from XX/XX/XXXX. Its a fraudulent inquiry. I did not authorize this to show up on my credit report and did not apply for a cfna account. On XX/XX/XXXX I called XXXX and spoke to XXXX. XXXX cancled the application and submitted a request to remove the inquiry from my credit reports. After waiting over 3 months, the inquiry is still on my credit report. I have made multiple attempts to dispute this with Transunion and they are refusing to delete this from my credit report.They told me its off of my report and sent me a credit report that shows the inquiry is still on there. Please assist me with getting this hard inquiry removed from my transunion credit report. I also have the same XXXX hard inquiry on my XXXX report from XX/XX/XXXX. XXXX has promised to remove the inquiry multiple times. They have already confirmed they recieve the request and its still on my credit report. 

- I already filed a complaint with the cfpb against XXXX on transunion. Both credit agencies responded to the cfpb that the inquiries from XXXX have been removed. I checked my credit report in XXXX  and found the XXXX inquiry is still showing on XXXX and transunion. Furthermore, I order my credit report with XXXX on anual credit report and its still showing on there as well. I've attached a screenshot of both reports showing the inquiry. Both of these reports are my most recent report. I'd like these to be removed. Thank you for your help. 

Best regards, XXXX.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

This is really worrying, applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them or applied to them, resulting in my credit report being pulled up by these companies and hurting my credit score and be used for potential fraud and identity theft. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally request that you Equifax block fraudulent information appearing on my consumer credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is made as a result of identity theft, and I expect the inaccurate information to be blocked within 4 business days of your receipt of this letter, as per the FCRA guidelines.

I have identified several accounts and inquiries on my Equifax credit report that I did not authorize or open, which are the direct result of identity theft. These fraudulent items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These fraudulent accounts and inquiries have resulted in negative impacts on my credit report, including multiple collections and hard inquiries.
Consumer complaint received 2024-10-24
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 Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. Additionally, I request that the credit reporting be corrected across all three major credit bureaus ( TransUnion, XXXX, and XXXX ). 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments : Please find attached copies of my payment records and any additional supporting documents to assist in your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-23
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: Experian Information Solutions Inc. (AZ)

I wrote a letter to Experian on XX/XX/year>2024 requesting documentation and a copy of any contract signed by me that would support this collection. They have not responded and are in violation of the FCRA sections 609, 610 and 611 as noted below and on attachments. 

609 ( a ) ( 2 ) they have not provided sources of information on the collection.

610 ( c ) They do not have trained personnel to explain the information they provided. The phone number does not have a selection to speak to a human and no option for call back.

611 ( a ) ( A ) They have not deleted the item which has no proof of validity. They respond the it was verified but have not provided any documentation or details.

611 ( a ) ( B ) They have not provided the reasons for the determination.

611 ( 2 ) Have not considered my information provided. They come back with a boilerplate response that the item was validated.

611 ( 3 ) ( A ) They are unable to validate the item, but have not removed it from my credit report.


611 ( 3 ) ( B ) ( iii ) They have not provided a description of the procedure used to determine the accuracy of the item as I requested repeatedly.

611 ( 4 ) They have not provide a description of the reinvestigation procedure.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

There is an inquiry that I don't recognize nor have applied to on my credit report, which is really concerning, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Consumer complaint received 2023-11-06
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX {$18000.00} XXXXXXXX XXXX XXXX XXXX {$5800.00}
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

" CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations '' " Debt collection giant filed lawsuits even when it lacked documentation about the debt. '' Portfolio Recovery Associates XXXX XXXX XXXX XXXX, Va XXXX : XXXX Portfolio Recovery is known for its illegal debt collection tactics. The same in this situation I have no contract with this company never did. They're a 3rd party debt collection agency. Who bought an old debt and trying to re collect and profit. Once a debt is bought it's discharged. You can't buy and recollect on the same alleged debt. this company is in Violation of 15 USC 1692 ( c ) If a consumer notifies a debt collector that the consumer refuses to pay debt. The debt collector ( s must cease all communication.

This has been effecting my credit for well over 180 Days. After 180 days the debt must be removed from the consumers report immediately.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I tried to go for a virtual visit with XXXX  since they could not provide services they said I would not be charged and fully refunded. I waited 10 days and no refund was processed so I disputed the charge. My bank is now siding with the company that stated I would not be charged and is fraudulently stealing money from me for a service that was never rendered in the first place. I have email communication from the internal team at XXXX to show it was never supposed to charge me.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (GA)

Best Buy/CNA notified me they would be closing the credit card account for non-use, since I didn't need the card and it had not been used in a transaction in over a couple of years, I allowed them to just close it. They reported it as account forcibly closed and my credit score dropped XXXX points. It should not impact my credit score to have a closed account when it had no balance owed. There are other companies doing the same thing, I have XXXX others also when paid in full and/or paid off early reporting so it shows negatively on my and my daughter-in-law 's credit too. XXXX and other credit reporting should know how to correct when disputing.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY (NJ)

I had an existing 11 month CD  with WellsFargo at rate of 4.25 % for {$14000.00} from XX/XX/XXXX thru XX/XX/XXXX. 
The CD automatically renewed at a lower rate of 2.47 % and a shorter term of 6 months on XX/XX/XXXX, where as the advertised rates on WellsFargo website is 4.25 % for 11 months. 

When i questioned this to the banker, i was told i needed to make an appointment with local branch within the 10 day grace period and get it renewed at the branch to get the higher rate. 

First of all, i did not get any letter from WellsFargo about my renewal or i was made aware that automatic renewal would be done at a much lower rate. When i stopped by the branch to request the higher rate, i am told to close the automatically renewed CD, pay a 3 month interest penalty and re-open a new CD at the higher rate. 

I am unhappy with such a business practice, which is targeted at misleading customers and defrauding them their savings.