davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (NC)

on XX/XX/XXXX i provided and submitted an Identity Theft affidavit along with all required documents through the CFPB portal under 15 U.S. Code 1681c2 - Block of information resulting from identity theft to Equifax consumer reporting agency and Equifax is intentionally and knowingly in non compliance and violating federal and state law the dispute is over 33 days old with no response or deletion refer to CFPB complaint id XXXX. So today I'm filing this CFPB complaint that you Equifax consumer reporting agency are reporting inaccurate and incomplete information. 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e an original consumer contract with my signature on it ) that you have on file for the accounts listed below or a Certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof, you must DELETE the account listed below. Please be aware that automated responses or e-OSCAR verification are unacceptable for addressing this matter. A detailed re-investigation and explicit disclosure of your verification method are required as per the statutory guideline. I demand that the following accounts be validated or DELETED immediately : XXXX XXXX opened on XX/XX/XXXX account number XXXX. Under federal law, you had 30 days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2024-09-11
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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2023 I sent a letter to XXXX, Experian, and XXXX to investigate my inaccurate accounts on my credit report. It has been over 30 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 30 days so they should be deleted ASAP I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong persons. The evidence will be attached below.
Consumer complaint received 2024-04-26
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. (PA)

I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

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 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc. (AZ)

Carmax repossed my car and claimed it was a chargeoff for themselves and tax credit of {$32000.00}. They then added a {$19000.00} balance to the {$32000.00} Chargeoff making it a grand total of {$51000.00} in debt owed. You will see in the documents that I never owed close to this dollar amount. Carmax added this extra amount on my credit report out of spite. When Carmax was approached by the 3 credit bureaus in writing, Carmax lied to each bureau and claimed it was accurate. XXXX is the only company that listed this credit entry as a fraudulent entry. XXXX and XXXX claim that Carmax is one of their highest paying customers on the investment website and are allowing this Fraudulent behavior to continue. We have since started legal proceedings for damage against the 2 credit bureaus and will be doing the same with Carmax for Fraudulent reporting out of spite.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (MO)

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information.

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. XXXX XXXX XXXX. I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report.It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 6802 Obligations were to respect to disclose of personal information Part b opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. 15 USC 1692F part 6 unfair practices, talking or take any non judicial action to effect or dissent disabledment of property. Theres no present right to claim it. Sincerely
Consumer complaint received 2024-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC (NJ)

On XX/XX/2024, I noticed that {$8000.00} was taken out of my escrow account for 'homeowners insurance disbursement '. This made no sense to me, as my homeowners insurance renewal letter said that my bill for next year was about {$1300.00}. My bill for this current year was around {$1200.00}, and my coverage options did not change and I do not live in an area with expected dramatic increases in insurance premiums. Obviously, this charge left my escrow with an extremely large deficit. I tried to contact United Wholesale Mortgage ( UWM ) to fix this issue. First, I tried speaking with an agent on the online chat function. The first agent cancelled the chat without a resolution and I had to try again. The second agent told me that my insurance company XXXX XXXX sent them a bill for {$8000.00}, and I must contact them to fix the issue. I then called XXXX XXXX, and I spoke on the phone with an agent. She told me that our bill was for {$1300.00}, and she even had proof that XXXX sent the right information to UWM. Furthermore, she wanted to start a conference call with UWM to fix the issue. We called UWM, only to get an automated robot who refused to send us to a live representative. Basically, UWM is starting the process to move our mortgage to XXXX XXXX effective XX/XX/2024. Unfortunately, their customer service line to our account was already shut off despite it being before XX/XX/2024. We could not get in contact with a live person because UWM did not code for the possibility that someone would need to speak with a live person as they transition the account. I had to go back to UWM 's live chat. I spoke with a rather rude agent, and I asked for a phone number to speak with a live person in order to conduct the conference call. She refused to give me any number. Instead, she once again said XXXX XXXX sent the wrong bill. We had to go on a 3rd party website to put our insurance paperwork in the system. Although it has only been one day, we have not gotten any word from UWM about how they plan on rectifying this immense escrow shortage given that our account with UWM will end soon. Additionally, our escrow evaluation is coming up soon and we can not afford our mortgage with an almost {$7000.00} escrow shortage. I am complaining as I find UWM 's customer service through the phone and chat to be completely unacceptable. Additionally, I find an error to such an egregious degree to be unacceptable. I find it ridiculous that a company will not question a mortgage insurance increase of {$7000.00} for a {$300000.00} house in NJ. This should have set off alarm bells for potential fraud or a mistake.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just looked at my consumer credit report from TransUnion XXXX XXXX, XXXX. I saw some hard inquiries on my credit report that did not have permissible purpose. I also attached the evidence. 

1. [ XXXX XXXX - XXXX XXXX, XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to XXXX XXXX XXXX B 2. [ XXXX XXXX - XXXX XXXX, XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to XXXX XXXX XXXX XXXX 3. [ XXXX XXXX - XXXX XXXX, XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to XXXX XXXX XXXX B 4. [ XXXX  XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to XXXX XXXX XXXX XXXX 5. [ XXXX  XXXX - XXXX XXXX, XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to XXXX XXXX XXXX B
Consumer complaint received 2024-09-11
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. (FL)

I have made multiple attempts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These erroneous entries have had a severe impact on my well-being, causing considerable distress. It is important to emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

THIS ACCOUNT WAS REPORTED IN ERROR IN MY CREDIT REPORT. Please corroborate and fix instantly PORTFOLIO RECOVERY ASSOCIATES  ACCOUNT NUMBER XXXX PORTFOLIO RECOVERY ASSOCIATES ACCOUNT NUMBER XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify a collection account listed on my credit report. The inaccurate and unverified account reported by XXXX XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX XXXX have caused undue harm to my financial reputation and stability.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

XXXX, which offers XXXX XXXX, posts month after month that a balance is owed on a credit account closed in 2019 ( After it was charged off and sold according to them ) a and now, each time I dispute the info, they validate it within 20-30 minutes without even investigating or looking into correcting the issue. They are violating the FCRA in multiple ways and refusing to correct this or delete this account is a violation.
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (IL)

I am writing to formally dispute the presence of unauthorized inquiries on my credit report, which are continuously impacting my creditworthiness. These inquiries were made without my consent or knowledge, and I request their immediate removal from my credit report. 

Upon reviewing my credit report, dated XX/XX/2024, I discovered several unauthorized inquiries listed under the " Inquiry '' section. I did not authorize any individuals or entities to access my credit report for the purposes of initiating credit applications or inquiries. Therefore, the presence of these inquiries is not only unwarranted but also damaging to my credit profile.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I look at my credit report and notice XXXX ACCOUNT # XXXX WHICH SHOULD NOT BE ON MY CREDIT I HAVE NO CONTRACT WITH THIS COMPANY. I ALSO NOTICE INACCURATE DATA. ALL THREE CREDIT BUREAUS SHOULD REPORT THE SAME. 
1.ADDRESS FROM EXPERIAN IS Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXX ADDRESS IS Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX Phone number
Consumer complaint received 2024-09-11
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. (GA)

I have disputed a collection item on my TransUnion credit report over a year ago and it's still pending. it has been removed from XXXX and TransUnion. The item is going on XXXX XXXX XXXX and is a pending dispute. I have asked for it to be removed from my credit file from TransUnion but when ask they are not willing to remove it, investigate it and or respond to the item it just pending and have been for a year.
Consumer complaint received 2024-04-26
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. (AR)

According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX account # ****, also Experian and XXXX shows a different account # which is # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2024-09-11
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)

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I transferred {$13000.00} through XXXX from my XXXX XXXX Checking  Account to My PenFed Checking  account on XX/XX/XXXX. I contacted PenFed  to complete a wire and i was asked to provide proof of funds, PenFed said that the funds will be on hold until i can show proof of funds. I sent screenshots of the transaction from my XXXX XXXX Checking  account. PenFed Reps told me that the screenshots would not work and i would have to provide a statement. When the statement was available i sent it on XX/XX/XXXX. On XX/XX/XXXX i called PenFed to check on whether they received the statement. The Rep i spoke to said that there was need for additional documentation, I asked to speak to a manager and get a better explanation of why i need to provide additional documentation and she said it was to establish if the XXXX XXXX account belonged to me. I supplied scans of my Driver 's Licence, Social security Card, a utility bill and my Permanent resident card. I called on XX/XX/XXXX to follow up and the rep i spoke to said that my account will be closed and that i should contact XXXX XXXX to do a reversal of transfer. Upon contacting XXXX XXXX, they said that a reversal on a successful transaction could not be initiated. 
I called PenFed to tell them that a reversal was not a possibility and i was told that the last resort would be for XXXX XXXX to write a hold harmless letter. i have talked to a XXXX of reps and managers at PenFed and all they say is that the security team has made a decision on my funds and they do not know the reason why. 
I've had no access to these funds since they deposited in my Penfed checking account.