davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I tried to log in to make a payment on my XXXX  credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX  The site was down and I was forced to call XXXX directly because the payment was due on XX/XX/XXXX. The agent I spoke with took my banking details and I asked that she apply a {$150.00} payment to the account. 

On XX/XX/2023, I noticed that the payment had not been debited so I call back and was initially told that the payment was returned by my bank. I explained that was not true as I was looking at the account online and there were no returned checks/ACH payments. After speaking with 5 people for over 1 hour and 45 minutes, XXXXXXXX XXXX support agent explained that the payment had not been returned, rather the account information provided was wrong. I explained that was not possible as I read the information directly from my bank account page. They listened to the call from the previous week and finally acknowledged that the agent from the prior week had entered the information incorrectly. Unfortunately, XXXX had already reported the delinquency to the credit agencies. 

The last agent provided me with a letter stating that the account was in fact up to date and not delinquent. However, the ripple effect of their error has caused major impact to my credit score XXXX XXXX XXXX XXXX XXXX XXXX, which then caused the XXXX to lower the credit limit on the XXXXXXXX XXXX XXXX  by 35 % ( from {$2000.00} to {$1300.00} ) and lowered the credit limit on my other XXXX issued card for XXXX XXXX XXXX XXXX XXXX ( from {$1300.00} to {$1000.00} ), which has further impacted my credit score. 

I have filed disputes with the 3 major credit bureaus, and I have used the letter provided to me by XXXX, acknowledging the error, to request that my credit limits be restored to the same limit provided prior to the XXXX error. 

My issue is the efforts/urgency of XXXX to correct this. All of this was set in motion by XXXX down website and the error in transcribing the banking information, yet, other than their providing me a letter stating the account is not delinquent, there has been zero urgency to correct/restore the credit. 

I am reporting as I saw during my search for a direct contact in XXXX XXXX, that this company has already been sued once for applying late fees when customers were unable to log into the site to pay their bills and was penalized with a hefty fine. There seems to be no change in their practices. They need to be help accountable for their errors and possibly further penalized.
Consumer complaint received 2023-09-17
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-06-26
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)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. XXXX. The inquiry was not authorized XXXX Date of Account : XX/XX/year> Please remove it from my credit report. XXXX XXXX XXXX Account Number : XXXX .Validate the late payments. I have never been late on this account. XXXX Account Number : Please correct/update this inaccurate information on my credit report. XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX  TRAFFICKING. Please correct/update this inaccurate information on my credit report. XXXX XXXXAccount Number XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! Please correct/update this inaccurate information on my credit report. XXXXXXXX XXXX Account Number : XXXXPLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX
Consumer complaint received 2023-12-18
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. (VT)

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, TransUnion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TransUnion, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, TransUnion, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NJ)

I switched homeowner insurance in XX/XX/year>, my premium went from {$2900.00} to {$1300.00}. Our broker uploaded the new policy into the system for the mortgage company to update numerous times. Two months ( XXXX ) ago our mortgage went from {$1600.00} to {$2100.00}. I called to see what was going on and the agent told me that our insurance went up and our escrow was short. She gave me the website to upload the new policy into the system, which should have been updated months ago. I did that and have email confirmation myself that it was updated in the system. Nothing happened. I didn't hear from Mr.Cooper, payment didn't change. I called Mr.Cooper today to see what was going on and the new policy still wasn't updated into the system. I then had to call another number and speak to another agent who updated the policy while I was on the phone. Then I had to be transferred to another agent that said she now has to do a escrow analysis to see what my new payment will be. I am still responsible for the {$2100.00} payment. 
Mr.Cooper Policy Number- XXXX
Consumer complaint received 2023-12-18
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Credit Management continues to report three collection accounts on my credit report. Despite my request for Midland to validate the inaccuracies, they have failed to do so. Additionally, I have contacted Midlands Compliance Officer to validate these accounts but have not received any updates. Furthermore, Midland did not offer me the opportunity to resolve the debt before reporting it to my credit report.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-25
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. (NY)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-12-18
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. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectifying FCRA Violations in My Credit Report Dear Transunion, I hope this message finds you well. I'm writing urgently to address critical discrepancies I've found in my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ). Following a comprehensive review, it's evident that several errors persist within my credit profile, highlighting a significant oversight in FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a fundamental federal statute that governs the meticulous collection and reporting of consumer credit information. It mandates precise acquisition, retention, and transparent sharing of a consumer 's credit data. 

Instances of FCRA violations that I've identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies due to name or social security number similarities. 
Neglect of prescribed dispute-resolution protocols by agencies. 
My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information within my file has been used against me in credit applications or other transactions. 
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information, typically after seven years ( ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items starkly violate FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused significant distress, notably reflected in my recent denial for extended credit, stemming from errors originating from your agency. 
XXXX. XXXX  XXXX XXXX A Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX XXXX  Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX  XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 



I urgently implore prompt action to rectify these violations within the timeframe stipulated by the FCRA. Failing to address these concerns may necessitate further measures to ensure compliance with my rights under the FCRA. 

Best regards, XXXX XXXX
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. (FL)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-17
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. (CA)

To whom this may concern, I noticed Experian XXXX fails to provide legal documentation for proper verification of the inaccurate accounts it continues to furnish on my credit report. The inaccurate accounts are as follows ; Account # XXXX XXXX XXXX XXXX XXXX. Consumer law violations : Failed to provide XXXX documents to me for proper verification of accounts furnished on my credit report. 

LAST WARNING! IF YOU CONTINUE TO FURNISH INACCURATE ACCOUNTS ON MY CREDIT REPORT. I WILL FILE A MOTION AGAINST YOU WITH THE STATE OR FEDERAL COURTS! 

XXXX. Account shows XXXX late payments
Consumer complaint received 2023-12-18
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. (MD)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-18
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. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX : 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2024-03-04
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. (MD)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-18
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. (NC)

I called all three companies, XXXX, transunion, XXXX and asked for proof that I gave the companies my permission to run my credit and place inquries on my credit report. 
The credit companies could not give me any information or proff. I also aked the credit companies to remove all the inquries on my credit report. Nonthing has been removed and I was told they will not remove the inquries.
Consumer complaint received 2023-04-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (UT)

Sent Final payment cashiers check. Overnight to To Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXX. 
Odometer statement attached to the check. 

Hyndai motor finance shows processed on XX/XX/XXXX. Then I started to receive voice messages that the odometer statement was not received. I sent it by fax on XX/XX/XXXX. To XXXX. Did not hear anymore from Hyundai Motor Finance. Now my new loan company is demanding a title by XX/XX/XXXX. I have no recourse. No way to get this title. I have sent the odometer statement again. By email and fax today XX/XX/XXXX to XXXX and XXXX. I only get customer service people that can not help by phone. They make me provide information and offer to send me the odometer statement form. Give me the fax number. But have zero ways to help me and are not able to connect me to a representative onshore ( Their words ). I need this title for my new finance company.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MN)

Made a fraudulent activity claim for fraud that had been taking place over the last 8 months on my checking account. Wells Fargo stated that it will be 10 business days before any funds are to be given to me. On the XXXX business day, Wells Fargo calls me once. I miss the call because Im working, and I call back one hour later. While Im on hold, I get a notification that my claim has been updated. When I finally reach a person, she informs me that my claim has been denied because they said that I approved the transactions via my phone number.

I never was able to speak to a person at Wells Fargo. During the 10 business day waiting period, I was wracking my brain trying to think how could my account have been accessed, when I remembered, my computer had been stolen around this time last year. My computer was set up in a way, that all of my text messages, can be viewed and responded to via my computer. I thought, if someone could get into my computer, they would have access to all of my text messages, including the authorization messages. After hearing from Wells Fargo that they believe I responded to the transactions via my phone number, I am now certain that this is how my account had been accessed by a 3rd party, and how all of these transactions were able to be approved.