davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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. (FL)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (FL)

* THIS COMPLAINT IS NOT A DUPLICATE * THIS COMPLAINT IS REFERENCING XXXX IN EXCESS OF AMOUNT NEEDED THUS RESULTING IN EXCESSIVE PREMIUM CHARGE PAID FROM MY ESCROW ACCOUNT THIS COMPLAINT IS FURTHER INFORMATION DISCOVERED AND IN APPEAL TO THIS YEARS PREVIOUS COMPLAINTS IDs ( ALL SAME PROBLEM ) XXXX XXXX XXXX XXXX I WILL NOW NEED THE OVERSIGHT OF CFPB TO INSURE VALID, MERIT BASED, RESPONSES FROM BANK IN ORDER TO INSURE COMPLIANCE WITH XXXX AND CFPB RULES, REGULATIONS AND ORDINANCES. 

IT SEEMS IN PAST COMPLAINTS CFPB HAS FILLED MORE OF A ROLE OF PASSAGE OF PAPERWORK FROM BORROWER TO LENDER AND VICE VERSA.WITH LITTLE REGARD FOR CONTENT I NOW NEED THE OVERSIGHT OF CFPB AND OCC IN COMPLAINTS AND RESPONSES.

ANY ADDITIONAL FILES OR DOCUMENTS NEEDED ARE AVAILABLE UPON REQUEST AS I DO NOT WANT THIS COMPLAINT REJECTED DUE TO FILE ( S ) UPLOAD SIZE.
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I submitted a 1099C to the company " Credit Acceptance '', which was mailed back as accepted. I called the company several times between XX/XX/2023 and XX/XX/2023. Today I called several times so that I could speak with the compliance department as advised by a representative yesterday. The representative that I spoke to today transferred me to the compliance department where I spoke to a person named XXXX, who would not give me her last name and quoted her last initials and a number for her last name ( I am not sure if this was a recorded line ). XXXX was very intimidating, angry, deceiving, and aggressive while communicating to me that I owe a debt they ( Meaning your company ) do not accept 1099, and they would have never mailed me a return. She continued to be hostile and sassy, continuously saying this and telling me that you only accept payments. At this point, XXXX has caused a problem, because my 1099C was accepted and if the copy does not zero out my account they will be in violation of the federal income tax law.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have reliably upheld on-time payments for this account, ensuring no lapses into overdue status. The reports indicating late payment remarks on my accounts are unclear to me. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-23
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. (VA)

Transunion is reporting credit inquires from XXXX XXXX XXXX on my credit report. I am really sick of them putting these fraud inquiries on my report when I have a fraud alert on my report. They are suppose to call me before running credit inquiries per my report.
Consumer complaint received 2024-04-23
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)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX XXXXXXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Consumer complaint received 2024-01-04
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. (MA)

I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite the passage of time, Equifax has not responded to my dispute. I believe Equifax has an obligation to adhere to federal laws and regulations, specifically the Fair Credit Reporting Act ( FCRA ). 
Below are the details of the inaccurate information and the necessary corrections : XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit limit {$630.00} ) : Please remove this account from my credit report as it is not mine. 


XXXX XXXX Account ( Date Opened XX/XX/XXXX, Balance : {$460.00} ) : I request verification of this account, as the reported balance is inaccurate, and the account is closed and charged-off. Please mark this account as disputed while I resolve the issue with the creditor. Verify Date Opened, Date of Status, and First Reported. 


XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$390.00} ) : Remove this account from my credit report as it does not belong to me. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ) : The reported balance seems higher than what I remember. Please report this account as disputed while I address this discrepancy with the creditor. 


XXXX XXXX XXXX. Account ( Date Opened : XX/XX/XXXX, XXXX : {$610.00} ) : Correct the imprecise information on this account. Remove the past due amount and mark the account as disputed until the corrections are made. 


XXXX XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$14.00} ) : Revise the reported information as the balance and past due amount are inaccurate for a closed and charged-off account. Mark this account as disputed until the necessary corrections are made. 


Account with Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$410.00} ) : Remove this account from my credit report as it is not associated with me.
Consumer complaint received 2024-01-03
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: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Thank you for assisting me in this matter. I would have chosen not to write this complaint and got the CFPB involved if I had other options, but unfortunately here we are. 
My issue stems with Carrington Mortgage for 2 separate accounts : XXXX ( balance {$260000.00} ) XXXX ( balance {$100000.00} ) I went online in XXXX of 2023 to make a payment for both of these accounts and there system was down to site maintenance. I called in the following Monday where a support representative alerted me of site maintenance and I made my payment. Unbeknownst to me, I ended up receiving a late payment with Carrington for XXXX of 2023 for both accounts. This has had a significantly negative affect on my Credit Score and prevented me from doing much as I am no shackled. Normally I am not one to complain, however, this is unjust and inaccurate. According to the FCRA and FCBA, this information should be corrected and removed from my report. 
I have attempted to dispute these late payments several time to no real avail : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 and XX/XX/2023 I decided to be more proactive and attempt to give them the benefit of the doubt and called Carrington Mortgage on XX/XX/2023. I alerted them that I had disputed the late payments on my credit report form them because they are inaccurate due to their site being down for maintenance. The support representative agreed that that was the case and made notes in my file and stated that they would correct it. I asked if I should dispute the late payments with the Credit bureaus again and they stated it wasn't necessary but I could if I wanted to. 

We are not 3 months past this conversation, several attempts at rectifying this with the bureaus and my Credit still being affected by their blatant mistake. This has caused extreme mental anguish as I am not capable at borrowing at the rates I deserve, rather what Carrington 's error states I deserve. 

I wanted to shine a light on these practices hoping that I can get these late payments removed because the error is not on me, yet on them.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

This account was closed last year by the bank thinking it was fraud. Then they re-opened it. However on my credit it still reports open. 

I have written to the bank and they have no fixed this. 

I have called and asked for this to be fixed and it still reflects this information. 

This is my care credit old card, it sits dormant in dispute mode and need to be marked CLOSED XXXX. 

I have tried endlessly to call the bank to get the credit report entry resolved. I am told they report it and it still shows and unknown status.
Consumer complaint received 2023-09-01
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XX/XX/XXXX i sent my affedavit to the credit bureaus and by XXXX XXXX i got a response that it was verified as mines. notices from transunion and XXXX. but i know under FCRA rules that investigation wasnt reasonable, and my affadavit was not forwarded to XXXX XXXX. so now XXXX vary confused as to what to do next. i cant be responsible for something thats not mines.
Consumer complaint received 2024-04-23
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. (FL)

Review Attachments listed below, those account on the files are fraudulent. There was no agreement made by me to open any accounts in my name. Please provide me with more information in regards to the listed accounts below. Thank you, XXXX XXXX.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

I have a savings account with Truist bank that is basically a dormant account. I noticed in late XXXX that {$2100.00} had been removed without my permission. An unauthorized payment was made to XXXX XXXX in XXXX. I didn't authorize the payment and I don't know what the payment was for. I called Truist and opened an investigation. They denied my claim saying I authorized the payment, which of course, I didn't. In the denial letter, they said I could request the documentation that led to their decision. I called and asked them to send me proof that the payment was authorized by me. I've been waiting for months, and they've sent me nothing. I have to call them once a week asking for the same documentation. They put me on hold for long periods of time, then say they are submitting another request to the analyst for the proof, but of course, nothing happens, so I have to call again. I also called XXXX XXXX and asked if they could tell me what the payment was for or who it was made to, but when I provided them with the reference number from Truist, they the reference number isn't accurate. Basically, Truist stole {$2100.00} from me and they refuse to give it back, or at the very least, provide me with the documentation/proof that led to the denial of my claim.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX account number XXXX is reporting incorrectly. 
I request that this inaccurate item be immediately investigated. 
The account must be removed to show my true credit report. 
Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off. 

XXXX  account number XXXX is reporting incorrectly. 
I request that this inaccurate item be immediately investigated. 
The account must be removed to show my true credit report. 
Please investigate and provide verifiable documentation of the : DATE of last activity, XXXXutstanding Balance and the date account was charged off.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I needed to get a new card from Capital One because someone else tried to charge something on my card. To get the new card, they needed to authenticate it was me. So they sent a one-time code in a text. Then the representative read off terms ( I never saw a written version ) that I would agree to give the credit card company permission to have my cell phone carrier give complete access to all my cell phone data from that point on. I am an attorney, so I recognized exactly what they were asking me to give them. I doubt most people would know since it was legal jargon that was quickly rattled off. Only when I said no numerous times ( over a dozen times ) and said this would end my relationship with this company did they provide a different method to authenticate myself. From my perspective, this is a blatant attempt to violate my privacy and a clear UDAP violation.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MN)

I applied for the Citi Business AAdvantage Platinum card on XX/XX/2023 with the stated requirement of spending {$6000.00} for XXXX bonus miles. I met this spending requirement within 2 weeks and the bonus miles showed up on the first statement I received from Citibank. The miles from spend ( XXXX miles ) are now stuck in an XXXX XXXX account and I can't use them or transfer them ( even though the terms state that I should be able to transfer them if I have this card ). I also have not seen any of the bonus miles from the sign up bonus even thought I have met all the conditions of this spend. I have attempted to reach out to both XXXX XXXX and CitiBank and they each tell me to keep waiting and then blame each company. I have seen that this is an issue that many others are having and I would like to get this resolved as soon as possible so I can use these promised miles.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2024-04-23
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've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is credit card from XXXX XXXX " XXXX '' reporting on my consumer report that is not mine. My name is XXXX XXXX XXXX not XXXX XXXX XXXX.