davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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. (LA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX holds my installment account for a small loan of XXXX that began XX/XX/year>. 
Acct # XXXX I set up autopay online and made consistent payments manually for XXXX. The autopay began in XX/XX/year> and was completed without error. However, there was some internal error either within XXXX or my bank which led to a 30 day late payment on XX/XX/year>. I was never notified by XXXX that the autopay of XXXX was not completed so I assumed it was processed. 
This is the only 30 day late payment on my credit and its preventing stellar scores. XXXX has not been cooperative in admitting any communication fault nor offering any good will adjustment on my credit.
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Better Mortgage, Inc. (VA)

My wife and I applied for mortgage financing at Better Mortgage and were approved. I lost my job during the process, informed Better and they issued a denial for insufficient income, which would be correct. After the scheduled closing date our bank notified us that we had a new mortgage loan with XXXXBetter Mortgage  for the amount of {$180000.00} and the loan was active. It also severely lowered both of our credit scores. We called to confirm with the XXXX, XXXX, and they did confirm it was an active mortgage on a property we did not own. We never signed any closing documents, we never went to the law office to close, but the mortgage was set up anyway in our names.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (TX)

I have two credit cards with Concora Credit Inc. One is a Destiny Card and the other is a Indigo Card. I have been working diligently to build my credit and I pay the full balance of each card in full every month on or before the due date. Both cards are linked to my personal bank account and I pay online. My due date is the XXXX of each month by XX/XX/XXXX. ET on XX/XX/XXXX I made my payments for both cards in full by XXXX :XX/XX/XXXX. ET. I received confirmation of both payments on the XXXX which I attached screenshots. To my surprise my statement, which came out on the XXXX at midnight did not reflect those payments and still showed my full balance on both cards dropping my credit score XXXX points. I contacted Concora Credit and no one could explain to me what happened. They told me that I should probably make my payments two or three days before the due date to prevent this from happening again even though I've paid on the due date many times and never had an issue. They refused to resolve the matter. I don't understand how you can pay off a credit card by the cutoff of the due date and it not reflect on the statement. The agent for both cards agreed that the payment was made on time and it showed me that I would not receive any charges or interests on the balances. However my plummeting credit score is my issue.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Did not consent to unauthorized items the items were not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
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. (NJ)

In accordance with the fair credit reporting and XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have mailed a dispute to Transunion, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XXXX XXXX I have attached mailing attachments below along with the actual letter mailed to Transunion, along with tracking and signature when delivered. I have been disputing account ( s ) with Transunion. 

The account below are reporting inaccurate according to the XXXX XXXX Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX In accordance with the FCRA 611 ( 15 U.S.C . 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-09
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. (NY)

I HAVE LOOKED AT MY CREDIT AND MY SOCIAL MUST HAVE BEEN STTOLEN TO APPLY ANND HAVE ACCOUNTS THAT DO NOT BELONG OR HAVE EVER BELONG TO ME NOR HAVE I APPLIED PLEASE HELP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have mailed a dispute to Transunion, USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XXXX XXXX I have attached mailing attachments below along with the actual letter mailed to Transunion, along with tracking and signature when delivered. I have been disputing account ( s ) with Transunion. 

The account below are reporting inaccurate according to the XXXX XXXX Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX In accordance with the FCRA 611 ( 15 U.S.C . 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX regarding their inaccurate reporting of my student loan payment history. Despite being in deferment, XXXX has consistently reported my account as being 120 days late for numerous months, instead of appropriately reporting it as a charge-off as required by law. This erroneous reporting has had severe repercussions

on my credit score and overall financial well-being. The issue stems from XXXXXXXX XXXX failure to accurately reflect the status of my loan during the deferment period. As per the terms of my loan agreement, I am entitled to deferment, during which no payments are due, yet XXXX has repeatedly misrepresented the status of my account, causing undue stress and financial hardship. 

I have diligently adhered to the terms of my loan agreement and have promptly provided all required documentation for deferment. However, XXXXXXXX XXXX negligent reporting practices have tarnished my credit report and made it exceedingly difficult for me to access further financial opportunities.

Therefore, I urge the Consumer Financial Protection Bureau to launch a thorough investigation into XXXXXXXX XXXX  inaccurate reporting practices and take appropriate enforcement actions to rectify the situation. Additionally, I request compensation for the damages incurred as a result of XXXXXXXX XXXX failure to comply with federal regulations. 

Thank you for your attention to this matter. I anticipate a swift resolution to this issue and look forward to your response.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Name : XXXX  XXXX XX/XX/XXXX Account Name : XXXX  XXXX  XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Consumer complaint received 2024-05-11
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. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX  XXXX XXXX 2015
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX reported XX/XX/ 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my Consumer Reports and noticed that I had ONE late payment on an Account that I was never late for consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ACCOUNT : XXXX  XXXX ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENT SHOWING THAT THESE PAYMENT WERE LATE .IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD AS I WAS NEVER LATE THAKS.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Hi my name is XXXX XXXX, and it has been brought to my attention that my social security number was apart of a Data Breach. After care review of my consumer report I have notice several Inaccurate accounts being reported on there as well as Inquiries. At this time I would ask if those inaccurate accounts on my report be Deleted immediately. Thank you. This is not a third party filing this complaint.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

XXXX ID # XXXX refused to share with me when capital one reports to the credit bureau upon request. I gave her my name and personal information, when requested for verification. I told her I no longer had an account, just wanted to know when my credit report would reflect the account closure. She could not figure out how to verify me. I asked to speak with a colleague of hers and she told me they won't be able to either. I asked to speak to her supervisor and she told me no. I then asked for her name and identification number so I could report her. 

I called back and immediately connected with the most pleasant guy ever who promptly gave me the answer I sought. Someone somewhere needs to have a sit-down with XXXX and maybe re outline her job description.
Consumer complaint received 2023-06-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TN)

Couple years I came down with 2 times which I'm turn made XXXX XXXX go bad. Wells Fargo did let me do that 6 month and put it on the back of the loan .I called to refinance and they wouldn't refinance do a loan modification or anything for me and I had had this loan for 17 yrs. They told me if I couldn't use no more of their products until I came up with the XXXX that they had attached to the end of my loan. Couple years later I'm still struggling and no help so tell me why they don't owe me like they owe everyone else is it because I'm XXXX.
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Hello XXXX, I hope all is with you, My name is XXXX XXXX, on XX/XX/XXXX I bought a car XXXX XXXX XXXX with about XXXX XXXX- on XX/XX/XXXX I was driving- I exsited the XXXX XXXX  XXXX XXXXXXXX XXXX - as I did so the Car STOPPED, I had to have it towed at my expense. 
: I called the company that bought the above mentioned car from XXXX XXXX which is located at XXXX XXXX XXXX XXXX, XXXX FL XXXX - Phone # XXXX XXXX XXXX they were the one who informed me to that I need to have it towed to the location where they have their mechanic diagnose the car. 
: I have multiple times since then without any solution to the issue. As of today, XX/XX/XXXX the company is telling me that in order for the car to be FIXED I need to contact my Insurance company to get it done as they want to be sure there was no WATER DAMAGE - You can imagine my surprise. I asked how can there be WATER DAMAGE, He said that he is not saying there IS WATER BUT THERE COULD BE AND THE INSURANCE COMPANY WILL FIX IT. 
They also want me to GET THE CAR or they are now going to start CHARGING me for STORAGE - I have to move it back to my home. XXXX XXXX  for empasis
Consumer complaint received 2024-05-15
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)

I am formally disputing and requesting the prompt removal of this fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. 
The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which have been mistakenly existing on my report for over five years. 

But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents. What about you're bureau that keep reporting this account what action you are doing? 

I take a firm stand that you efficiently remove this fraudulent account from my credit report as the banks have already removed this from their record. Your swift attention to this matter is imperative.Additionally, I have reached out to the banks associated with the fraudulent account. 

XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

I refinanced my home and was issued checks for my credit cards. Barclay was issued XXXX checks ( XXXX for my account & XXXX for my husband ). These checks were mailed out on XX/XX/XXXX. My husbands account was credited for his check on XX/XX/XXXX. I contacted the creditor on XX/XX/XXXX who informed me that they never received the check for my account but the mortgager provided me with a voided check that they have not only received the check but cashed it. They told me to fax in proof but I tried XXXX  times on XX/XX/XXXX to do so for the fax machine to read that the receiving fax machine is offline. I contacted the creditor again by phone, & provided all the details for the check again to be told that it will take 1 to 2 billing cycles to correct & that I still need to send them a copy of the voided check for them to begin investigating even after I told them their fax line is offline. I reached out via XXXX & submitted the documentation for them to tell me they notated the account but I still need to send in the documentation. So basically, theyre allowing themselves enough time to reflect poorly on my credit report before they fix the error & not providing me with an adequate way to get the documentation to them!
Consumer complaint received 2024-05-15
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. (TX)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.
Consumer complaint received 2024-09-09
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. (FL)

Kindly dispute the XXXX that appears on my credit report, I'm writing. I have a court letter stating to the fact that this XXXX  should not to be published. This situation gets worse by the involvement of an unauthorized third party.