davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I noticed today ( XX/XX/2023 ) that Capital One has reported to my credit report that my accounts were past due in XXXX. It is accurate but I noticed that their were two other inquiries in XXXX reporting the same information. That is a total of four. Please remove two of those inquiries since I only have two accounts and you should only be reporting one inquire for each account per month. I also have a separate issue where I am not showing my payment is being applied. I will pay around {$55.00} and it will not bring it out of the negatives. If it is possible, can I please get an itemized statement showing where my account was at for each purchase and what it looked like after I made the payment? I have never had any other problems outside of these problems
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

Back in XX/XX/2023, I was ready to pay my car loan, like I have been doing since I purchased the car, without any delays from my part, however when I tried to pay my monthly payment, the account said closed, congratulations your car has being paid in full, tried to contact XXXX XXXX several times, and was unable to get the right information as why the account was closed, after almost XXXX  months of back and forth, they realized it was a mistake or a computer glitch by their side, once they realized that situation, the account was unpaid for all that time and I was unable to make any payments, well, now they want me to look for the hole amount of those almost XXXX  months, even though it wasn't my fault the account was closed, I even received a lien release, which I have as a proof of the car being paid off, all I want to do is, be able to continue making my payments, and take those late payments that it wasn't my fault to the end of the loan, or for them to give me a payment arrangement, but not, they don't want to do that, they want me to get all the money right away, almost XXXX which I don't have right now, this vehicle was purchased with my son as a co-signer and he took the vehicle to XXXX, as he's serving in the military right now, he's an XXXX, I'm completely disappointed with the way hyunday finance has handle this situation, thanks in advance for your help and support, i attached the copy of the lien release and also the congratulations letter for the payment of the full loan ... XXXX XXXX XXXX
Consumer complaint received 2024-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MD)

I had an account and went away for the weekend and my account was hacked and charged. My bank spoke w the company and the transactions were cancelled and the case was dropped but this debt collection agency bought the debt w out my consent and is now trying to blackmail me into paying it while holding my credit score hostage by lowering my scores. Please remove Caine and Weiner from my credit profile as I no idea who this company is and have never entered into any type of agreement with this company. Please have the company provide a mutually agreed upon contract or remove this from my credit report. Thank you.
Consumer complaint received 2024-05-26
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: U.S. BANCORP (FL)

1 ) On XX/XX/2023, there is an inquiry from XXXX XXXX made to all 3 majors XXXX XXXX XXXX against my report file. I never had nor have i ever initiated any type of credit account with XXXX XXXX. 
2 ) On XX/XX/2023, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file. 
3  ) On XX/XX/2023, XXXX XXXX was place to my XXXX credit file by XXXX XXXX. 
4 ) On XX/XX/2023, an XXXX was place by XXXX XXXX  XXXX to my XXXX credit filefile. 
5 ) On XX/XX/2023, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and LATE CLOSED, CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a late closed charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022.
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC (NJ)

Dear Consumer Financial Protection Bureau, I am writing to express my deep dissatisfaction and concern regarding the improper handling of my mortgage application by Loan Depot, which has resulted in significant financial and emotional distress for me. Despite numerous attempts over the past two years to address the issues I have encountered with Loan Depot, I have yet to receive appropriate treatment or necessary responses. 

The most recent incident highlights the recurring problem I have faced with Loan Depot. In my latest claim, I clearly outlined instances of improper data handling by Loan Depot, yet they failed to conduct a thorough investigation and instead provided a superficial apology to placate my concerns. 

I demand that Loan Depot provide a detailed explanation of the errors in information usage during their data transfer and management processes with external consulting services. How were these inaccuracies generated? Did Loan Depot mishandle information or was there data corruption during the transfer process? No answer has been provided after 60 days. 

Since initiating complaints in XXXX, Loan Depot has consistently failed to address the fundamental question of why my loan application was denied citing insufficient funds when I clearly had adequate resources. 

This ordeal has caused substantial financial losses and emotional distress. I have invested significant time, energy, and endured mental stress in the eight appeals submitted to date. I urge for appropriate compensation to be made for these damages. 

Thank you for your attention to this matter. I look forward to a prompt and thorough investigation into Loan Depot 's practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I AM A LIVING PERSON PLEASE DON'T CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING. PER THE FCRA  AS A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION. I THE CONSUMER HAVE GIVEN WHETHER VERBAL, WRITTEN OR NON-VERBAL PER 15 USC 1602. I HAVE IDENTIFIED ACCOUNTS ON MY CREDIT THAT ARE RESULTS OF IDENTITY THEFT. THESE ACCOUNTS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME. I HAVE READ THAT I HAVE RIGHTS TO HAVE MY INFORMATION BLOCKED AND REMOVED PURSUANT TO 15 USC 1681 c-2. PLEASE HONOR MY REQUEST AND REMOVE THESE ACCOUNTS IMMEDIATELY.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2024 I was traveling in XXXX XXXX. I paid for a taxi ride via credit card and was overcharged. The taxi was supposed to cost about {$35.00} USD but I was charged {$870.00}. The cab driver showed me a tablet with the agreed upon amount, but when I checked my account later is was charged a different amount than what he showed me. I was not given a receipt. 

I filed a dispute with Bank of America which they denied because I did not have a receipt. Based on my conversation with their support, they made no attempt to contact the vendor to confirm or deny this dispute. It was solely denied based on me not having a receipt with no other investigating done. I asked for all documentation related to their investigation which they said they would provide within 2 business days but never received any documentation.
Consumer complaint received 2024-07-11
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

HOME DEPOT/CITIBANK . N.A Creditor derogatory remarks on Credit Bureau. Creditor doesn't allocate payments accordingly. I call every month to allocate payments accordingly on promotions of 0 % interest for 6-12 months. Incorrectly billed for the last 5 months. Added interest by Creditor on 0 % promotions thay have not expired and will not expire until XX/XX/year>. I paid monthly on time, Creditor shows no payment on bill for XXXX or XX/XX/year> statement but shows credits. Creditor tells me im current and nothing due. Creditor allocates payment to their own discretion and it is a concern for the consumer. Consumer is a XXXX XXXX  Score until they marked credit derogatory by Home Depot. Called every month to allocate payments accordingly and they will not correct. Asking for FTC, FCRA, FCC, XXXX, and CFPB to investigate the FCRA, FDCPA, REG Z, REG F, REG G, TILA, CONTRACT TERMS, along with good and services rendered. I have spent more that 20 hours on the phone to get transfered to the XXXX and XXXX managers to get nothing but hung up on even when the rep knows there is company error in clouding the manager XXXX I spoke tonite with for over and hour. 
I am ready to seek my attorney to file a civil lawsuit for GOOD & SERVICES, FDCPA violations, FCRA for derogatory credit remarks, NEGLIGENCE when recorded calls say HOME DEPOT is at fault, TREBLE DAMAGES for my time spending over 15-20 hours getting hung up on. 

PLEASE HELP ME. I HAVE JUST DISPUTED MY CREDIT REPORT 10 MINS AGO with XXXX. Will dispute XXXX and XXXX tomorrow -- thank you much!!
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CO)

I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I asked for validation from XXXX XXXX XXXX and methods of validation from XXXX, XXXX, and Transunion. NO ONE PROVIDED ME ANY PROOF THIS IS MY DEBT. I submited a complaint with XXXX to have XXXX XXXX provide validation of debt. They refused. Then asked the bureaus for methods so I could see what the debt was for. This needs to be deleted from my credit report immediately.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To dispute the fraudulent components on my credit report, I'm writing to you. I did not make the charges associated with these accounts that are shown on my credit record. I filed a complaint with the Federal Trade Commission and included a copy of the Affidavit. Please be aware that my credit report still contains the unconfirmed entries. As required by law, I have not yet received evidence from the original creditors to confirm that the information is accurate and belongs to me. As I haven't had any paperwork from the original creditors, kindly remove the products as soon as you can.
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: MONEY SOURCE, INC., THE (DE)

Contacted XXXX XXXX XXXX  to request removal of PMI now that my loan has gone below XXXX XXXX XXXX. They responded that theyd review my account and respond in writing. Three weeks later and still no response. Ive reached out to them multiple times trying to get confirmation that the PMI has been removed, no answer. Please resolve ASAP.
Consumer complaint received 2023-08-24
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. (TX)

I have sent a multiple request and asking, how they verified this account as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this account XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX XXXX : {$390.00}
Consumer complaint received 2023-12-15
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. (IN)

All my Federal Student Loans ( XXXX ) were XXXX through the Total Permanent XXXX unit at XXXX on XX/XX/2023. The adverse accounts were all removed from all XXXX bureaus almost immediately following discharge. 

On XXXX XXXX XXXX, all the accounts have reappeared showing me in XXXX day default, and my scores dropped massively.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXXXXXX  Subject : Urgent Resolution Needed : Addressing FCRA Violations in Credit Report Dear Transunion I am writing with utmost urgency to address substantial discrepancies discovered in my credit report that directly conflict with the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). It has recently come to my attention that my credit profile contains multiple errors, signaling a concerning disregard for FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of a consumer 's credit data, with a strong emphasis on transparent information sharing with consumers. 

Instances of FCRA violations observed include : Creditors furnishing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name or social security number similarities. 
Agencies neglecting prescribed protocols for handling disputes. 
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 in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items egregiously breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit, a direct result of errors originating from your agency. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX- This address belongs to someone else. Delete it from my report immediately. 

3. I was never late on this account. XXXX already removed all the late payments on this account. 
XXXX Account Number : XXXX I demand XXXX and Transunion remove late payments on this account I anticipate prompt action to rectify these violations within the mandated timeframe by the FCRA. Failure to comply will, unfortunately, leave me no recourse but to pursue legal measures to ensure my rights under the FCRA are respected. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-13
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. (WI)

I bought a car and the dealership shotgunned my credit without my permission. The dealership has been trying to help me rectify this however, both TransUnion and XXXX are refusing to remove the unauthorized inquiries despite the dealership stating that they were in the wrong and that they ran my credit to so many lenders without my consent, without my knowledge or permission. Refusing to remove the unauthorized inquiries is a blatant violation of my consumer rights and a blatant violation of FCRA. Therefore, I demand that each bureau pay me {$1000.00} for violation of my rights and their blatant disregard of FCRA. 
I have attached correspondence with the dealership as proof that they have been helping me resolve this and that both TransUnion and XXXX have refused to cooperate ; blatantly violating rules and guidelines as well as my rights!
Consumer complaint received 2023-12-14
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. (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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-07
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. (FL)

Transunion is reporting inaccurate and unverifiable information and has effected my lively hood. Because of this I have been denied jobs, housing and credit lines. Below I have attached a screen shot of the accounts that are inaccurately reporting per consumer protection law.