davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
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. (GA)

Companies Involved XXXX. Trans union XXXX. XXXX XXXX. Experience XXXX. Deserve XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX reported my account as a charge XXXX XXXX of {$770.00} as of XXXX. However, they continue to report the account as active with late payments with the recent report being XX/XX/XXXX. I have tried to have the issue corrected with the XXXX credit bureaus, they claim to have done an investigation into the issue but continue to report this account as current. 

Deserve on the other hand claims my account is collection for an amount {$1800.00} in XXXX. They continue to report the account as active with the recent report being on XX/XX/XXXX. The credit bureaus have been of no help in addressing this issue. 

XXXX XXXX XXXX charged off my account for an amount of {$530.00} in XXXX. I requested the credit bureaus and first premier to stop reporting the account as active since XX/XX/XXXX. They continue to report the account as active with the recent date being XX/XX/XXXX.
Consumer complaint received 2023-12-16
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. (GA)

Transunion, XXXX and XXXX listed XXXX on my credit file as a charged off account listing me as an authorized user. I did not approve of being listed as an authorized user. I never once gave my approval to XXXX XXXX list me as an authorized user on any accounts. This is a violation Also, Transunion, XXXX and XXXX has listed SOS Group on my credit file as well I never once received any notifications to validate debt I have two health insurances and was told I wouldnt have a balance SOS Group is reporting inaccurate information and account I know nothing about which is also a violation
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account is reporting as a collection on my report despite not having monthly historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by TransUnion.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account is reporting as a collection on my report despite not having any historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by TransUnion.
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NY)

Rushmore Servicing company took over Rushmore mortgage. I had XXXX XXXX insurance and then 2 years ago switched to XXXX XXXX. Rushmore Servicing doesnt show the changes and now putting into my escrow account over {$4000.00} that I must pay. I had XXXX XXXX to verify that the insurance was paid for and I had coverage. I tried to reach Rushmore Serviceing and all I get is automation. The automation doesnt have a selection to help me. Ive tried different numbers and they have the same automation. I need to speak to a representative to get this resolved because my insurance payments have gone up {$300.00} plus dollars. Ive never dealt with a company that doesnt have a live person.
Consumer complaint received 2024-05-11
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I had a CITI Credit Card by XXXX opened in XXXX. On XX/XX/XXXX, my card was taken by the XXXX employees at the XXXX location. From then, there were multiple fraudulent activities reported on my CITY by the XXXX account. On XX/XX/XXXX, we requested CITI to lock the account to stop the fraudulent activities. On XX/XX/XXXX, the fraudulent activities continued, CITI refused to help when complained about closing the account. On XX/XX/XXXX, CITI sent a balance of {$5000.00} to the debt collectors, stating that is the current card balance even though my card was closed due to fraudulent activities. I did not use CITI by XXXX Card effective XX/XX/XXXX. I want to clear my name and debt out of CITI Bank as I have not used the card. CITI bank REFUSED TO close the account even after proving that there were fraudulent activities.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear CFPB Representative, I trust this message finds you well. I am writing to bring to your attention a matter of concern pertaining to recent disputes filed with TransUnion. On the dates XX/XX/23, XX/XX/23, and XX/XX/23, I submitted disputes with the expectation that the Fair Credit Reporting Act would be upheld, ensuring a thorough reinvestigation. 

Upon reviewing my current credit reports, it has come to my attention that there is a notable absence of evidence indicating that the credit reporting agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. 

I kindly request your intervention in investigating this matter further and facilitating the necessary steps to ensure compliance with the Fair Credit Reporting Act. Your assistance in resolving this discrepancy is greatly appreciated. 

Thank you for your attention to this matter.
Consumer complaint received 2023-04-25
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. (GA)

Hello, my name is XXXX XXXX. I am contacting you in regards to removing the falsely opened accounts on my file. The accounts shown on my statement were not done by myself. This is a huge inconvenience and I am truthfully devastated. I am a victim to identity theft and would like these accounts removed at the soonest convenience. Please delete the reported items listed in this report and correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Due to these items wrongfully listed on my report, please delete the items as soon as possible.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (CO)

I have a late pay i need to get removed. I never received a bill and didn't know I had anything due at the time. Its my only blemish on this account and not my fault since there was no bill received. Please help me get it removed. I've disputed the account with the bureaus but had no success.
Consumer complaint received 2024-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (CA)

I contacted the company twice and requested validation of this debt along with several other items that can provide me proof that this debt owed is mine. I've yet to get a response from this company and it's been well past 30 days.
Consumer complaint received 2023-12-16
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Subject : Urgent : Addressing FCRA Violations in My Credit Report Dear Transunion, I am writing with urgency to address crucial discrepancies identified in my credit report, which starkly contravene the guidelines established in the Fair Credit Reporting Act ( FCRA ). Upon careful review, it has become evident that several errors persist within my credit profile, indicating a significant oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute that governs the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of consumer credit data, ensuring transparent information sharing with consumers. 

Identified instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Agencies neglecting prescribed protocols for dispute handling. 
My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if my file 's information has been used against me in credit applications or other transactions. 
The ability to dispute and request bureaus to 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 undoubtedly 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, originating from errors within your agency. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX, NY XX/XX/XXXX- This address is not correct. Delete it immediately from my report. 


I expect prompt action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are honored. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

Again having issues on my account and Webster Bank not correcting the problem. Getting error trying to send a XXXX payment and they are unable to help me send a payment. Tells me to call customer service and then they refuse to help me and want to force me to go into a branch. Refuses to escalate the issue to management. I have never been told there was an issue with my account.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (ND)

I noticed my credit score drop unexpectedly and was followed by a hard pull from a bank I havent had an account with for almost a year. A couple days later i receieved notice of 6 more pulls from unknown sources. Attempted to call the support line and was ran in circles with the support team and management with non answers and excuses as to why they cant help me despite my willingness to cooperate with the identification information they requested.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

Beginning on XX/XX/XXXX, I began communication with an individual named XXXX XXXX ( XXXX ) about signing a lease for an apartment that he was advertising on XXXX in XXXX, Vermont. XXXX then proceeded to ask me to sign up for these accounts on Transunion that would check my criminal background and credit score. I then asked XXXX to provide me the exact address of the apartment, which he never answered. I also repeatedly called him, but would not pick up. These Transunion accounts that he requested me to sign up for also cost money, but promised he would refund me. After I created an account on Transunion that would supply my credit score, he told me that it would also provide him information on my criminal background ( which I have no criminal history ), but then he made me sign up for another account that costed me money called IdentityForce ( also affiliated with Transunion ). This website required social security information, credit card information, and billing address, but it was just an account that helped prevent against identity theft. I created the account, and he said I would need a cosigner because my credit score was not good enough in his opinion, so he then requested my father to also create accounts on the same Transunion websites that I filled out. I denied, told him I need him to answer my phone calls, and allow me a chance to see the property before I sign up for anything else requiring my credit card information. After signing up for these accounts, I signed into my credit card company account, and I noticed that I then had charge on an XXXX XXXX XXXX  ( Which I have no idea what it is because I never signed up for it ) account for {$10000.00}. I have contacted my bank, they canceled my card, told me to call authorities, and to file a report/complaint. I have tried to get in touch with XXXX, but he is now not answering me. I believe a new account has been made under my name, and I want to take legal action now.
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 has 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 Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

From XXXX to XXXX the loan balance was incorrect. This loan was from XXXX. I owe the XXXX. But XXXX falsely put on my report that I owed over XXXX. And they continued to do this. I want the account information removed immediately.
Consumer complaint received 2023-12-16
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. (WV)

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
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 2023-03-22
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: EQUIFAX, INC. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer 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 Phone Number ( XXXX ) XXXX NOT MY EMPLOYER 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 All Inquires need to be removed and this has 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 Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (IL)

I got a vehicle financed by WestLake Financial in XXXX, I was paying the loan on time, but they repossessed my car fraudulently when I had my payments done ... the reason : I lost my job due to the pandemic and I asked them ( WestLake ) that If they could extend my payments for few months to the end in case it will take time for me to get a job, but my payments were totally on time ; the agent started insulting me that he was tired of scammers XXXX that are trying to steal cars taking advantage of the pandemic situation, I explained that my payments were on time and he kept insulting me with unreapeatable words until the point that I told him : " then come and take your vehicle '', they repossessed the car in XX/XX/XXXX ( but they wrote XXXX ) and sold it in XX/XX/XXXX. I have the letter and my last payment in XX/XX/XXXX I'm embeding with this letter. The case was solved about 3 times closing the account and they keep bringing it back like if I still have the car and I'm behind payments. The last time I talked to them was in XXXX and I got disrespected, insulted and the interaction ended in a fraudulent repossession when I was on time with my payments. I hope you can help me, thank you.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am opening a new complaint in response to closed complaint # XXXX since XXXX XXXX has sent me ( 2 ) letters validating my account information.

In your response to the CFPD complaint you stated After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. 

Your comment further validates my concerns that the XXXX XXXX ( XXXX ) accounts listed on my credit report do not match the account # XXXX I had with XXXX.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy, as well as 15 USC 1681 section 604 A section 2 states also that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a open end consumer credit plan as late for any purpose. 

Not only is it violating my rights, the balances are not accurate as of XX/XX/2023 and accounts have been paid down in XX/XX/2023 and carry either a XXXX balance or low balance. 

The following accounts are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX