davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (AL)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, 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. (FL)

On XX/XX/2018 I secured an auto installment loan to finance a used car at the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL ). 
Upon checking my FICO credit scores shortly thereafter, I was surprised to find that they had plummeted - from XXXX/XXXX to XXXX. The only credit score factor that led to this drop was the number of hard inquiries, reported to be 5.

I am concerned about these 5 reported hard inquiries for several reasons, chief among them that ( 1 ) when trying to secure a loan such as an auto loan there is usually a short window of time within which all hard inquiries are counted as a single inquiry, thereby minimizing credit score impact, ( 2 ) I did not authorize this many inquiries, and ( 3 ) I am naturally wary of potential identity theft.

How could it be, I ask, that a relatively good consumer like me see her excellent credit scores plummet virtually overnight by simply seeking an auto installment loan? 
It is my sincere wish that the CFPB assist me in unraveling this perplexing matter. 
Thank you, respectfully.
Consumer complaint received 2024-01-12
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. (OR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXXXXXX Balance {$6300.00} XXXX XXXXXXXX Balance {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MD)

I am writing to file a formal complaint against SYNCB/Amazon regarding their failure to address and investigate inaccuracies in reporting on my XXXX, XXXX, and XXXX credit reports. On XX/XX/XXXX, I sent a dispute letter to SYNCB/Amazon XXXX XXXX an investigation into the inaccurate reporting of an account that appears on all three of my credit reports.

The account in question was included in a Bankruptcy Discharge and should not be reporting negatively. Despite all payments being made on time according to my payment history, SYNCB/Amazon has failed to update the reporting on my credit reports accordingly. 

From XXXX, it is evident that payments were made on time from XX/XX/XXXX to XX/XX/XXXX. XXXX shows payments made on time from XX/XX/XXXX to XX/XX/XXXX, with no further data available. XXXX is not reporting any payment history at all. Furthermore, there are discrepancies in the payment status reported by each credit bureau XXXX is reporting as " unrated '' or " bankruptcy, '' XXXX is reporting as " charge off, '' and XXXX is reporting as " Included on Bankruptcy. '' In my dispute letter, I specifically requested SYNCB/Amazon to provide detailed information about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from SYNCB/Amazon XXXX 

On XX/XX/XXXX, I sent another dispute letter to SYNCB/Amazon , urging them to rectify the inaccurate reporting of this account. According to the FCRA, creditors are required to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. However, SYNCB/Amazon has failed to fulfill this obligation, thus violating my consumer rights under the FCRA. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into SYNCB/Amazon 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold SYNCB/Amazon accountable for their failure to investigate and correct the inaccuracies in reporting on my credit reports.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Creditor XXXX XXXX Account Number XXXX  to be deleted from credit reports once settled. Account was settled on XX/XX/2023 for {$390.00} but still showing on credit reports.
Consumer complaint received 2024-01-12
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. (NJ)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-02
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. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance {$17000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX  XXXX {$18000.00}.
Consumer complaint received 2024-06-12
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (SC)

I contacted HUD because I have a XXXX  loan and I have been experiencing difficulties communicating with Wells Fargo and getting assistance from them. 
In XX/XX/XXXX I contacted Wells Fargo regarding my hardship and the option they gave me was to pay double my monthly mortgage. Although I didn't know how, I accepted because the only other option was foreclosure on my home. 
XX/XX/XXXX I received an email from XXXX XXXX at HUD, which is attached. He was in contact with Wells Fargo about my account. 
I received another email from XXXX XXXX at HUD advising that I call Wells Fargo about the XXXX Loan Modification and Partial Claim. He said this would bring my account current ; yet when I contacted Wells Fargo they said that wasn't an option. 
Wells Fargo has a history of discriminating against their homeowners ; providing XXXX homeowners with options that increase their mortgage rather than decrease it, not providing loan modifications or forbearances, etc. 
I have sent XXXX emails to XXXX XXXX, the XXXX XXXX XXXXXXXX. I have attached those emails. 
I was told by Wells Fargo that I can not chose what option is presented to me ; however, I advised that I would like to be considered for forbearance as I've never taken XXXX or the XXXX Loan Modification and Partial claim that will bring my account current. 
To date, I haven't heard anything. Please review the attachments. 
There is a long list of XXXX Loss Mitigation Options for XXXX  XXXX XXXX Why aren't I being offered any? Why is Wells Fargo refusing to work with me. No integrity. 
I logged into my Wells Fargo app and they have redone all of my monthly statements It doesn't say UPDATED or anything, it appears as if this is how its always been, yet that isn't true. They are covering themselves and falsifying data. CFPB, I need your help. HUD I need your help..
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (CA)

Santander Consumer USA is sharing my nonpublic personal information with nonaffiliated third parties. Santander consumer USA does not have my consent to have and share my private personal information. then, the information that they are reporting is inaccurate and false. They are violating my rights to privacy as a consumer, and they are in violation of multiple federal laws.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America issued EDD debit cards which accepted weekly XXXX  during XXXX, In XX/XX/2024, we were notified end of month cards would be closed. I had filed a dispute, claim # above, in amount of {$31.00}, Company called INFORMED DECISIONS CHARGED MY DEBIT CARD A {$31.00} FEE TO USE THE CARD. This is PROHIBITED under the XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. Bank has denied my claim for reimbursement TWICE. Bank claims no evidence supports a billing error. Wrote to CEO XXXX XXXX telling him its illegal to charge a service fee for a DEBIT card. He forwarded letter to dispute and TWICE DISPUTE REFUSES TO GIVE ME BACK THE {$31.00}. I've sent dispute paperwork showing the law, and they still refuse to send me a check for {$31.00}. Debit cards are now closed, so a check will have to be issued. The owner of Informed Decisions was told it was illegal and he said it wasn't. My daughter told him her MOTHER and FATHER both retired form the XXXX XXXXXXXX XXXX XXXX, and IT IS A VIOLATION OF THE LAW. The bank and owner of business XXXX XXXX. THEY REFUSE TO ISSUE ME A {$31.00} REFUND. My next option would be to have bank investigated by STATE ATTY GENERALS OFFICE. I AM XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I paid the following accounts in full. I am a single mother of 2 who has plans of eventually buying a house. I was denied. This motivated me to check my credit report and I realized that these accounts that I paid was negatively affectIng me. 
XXXX XXXX opened XX/XX/XXXX XXXX XXXX-opened XXXX, XXXX XXXX XXXX- opened XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

At the beginning of XXXX I filed a dispute for 2 capital one charge-offs with XXXX due to inaccurate and unfair deceptive card practices. UNDER TILA THE CREDITORS INTENT IS NOT RELEVANT and must be deleted In 30 days also creditor did not provide Truth in lending disclosure statement or disclose the consumer contract related to the account for accuracy.
Consumer complaint received 2023-05-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

That it's happening to me and my credit report is just so frustrating for me. This is not just embarrassing, but you and the company are both to blame for reporting this inaccurate information. You can remove the late payment annotation and update to paid now or as agreed.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (IL)

First Access, I paid this account off in XX/XX/2023. My credit limit was {XXXX I paid {XXXX}, which included late fees. The creditor closed the account in XXXX. They said they would waive XXXX  in fees and interest. They However, I continue to be charged for XXXX, XXXX, and XXXX with interest and fees on this account. In XXXX all three credit bureaus marked First access as 30 days past due. I put in 5 request with XXXX, XXXX, XXXX to have this investigated for misinformation. Each time it comes back accurate. To get this matter resolved ASAP, I paid the XXXX} in XXXX. The creditor is still saying I owe on this account. The account was closed and I paid all the late charges and fees, but they continue to add on fees and late charges after the account is closed. This account continues to reflect 30 passed due.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, 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)

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 2023-10-05
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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. (OH)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXXL ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NH)

I am a student at XXXX. I usually use my cash app to pay most of my bills. On XX/XX/XXXX, My school send me a refunds of {$430.00} in 2 different transaction totaling {$870.00}. Cash app stated that the funds are in review and migh take up to 10 business day to pay. My CASH APP ACCOUNT WAS BLOCKED 2 DAYS AFTER THAT. Its getting to 3months now. I send them a certified mail and a rep by name XXXX XXXX signed for it. i have send multiple emails since they don't have an active phone number and no live representative. Till date, im still to get my money.