davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

**Statement Regarding Unlicensed Debt Collection Activities by XXXX XXXX XXXX in New Jersey** I am submitting this statement to report the unlicensed debt collection activities conducted by XXXX XXXX XXXX within the state of New Jersey . 

- **Company Details : ** XXXX XXXX XXXX has engaged in debt collection activities regarding an account with XXXX XXXX XXXX  across TransUnion , XXXX, and XXXX XXXX without proper licensing in New Jersey . 

- **Account Information : ** Account Number : XXXX ; Account Type : Collection ; Account Status : Derogatory ; Balance : {$520.00} ; Payment Status : Collection/Chargeoff ; Last Reported : XX/XX/2023 ( TransUnion & XXXX ), XX/XX/2023 ( XXXX ). 

- **Unlicensed Operations : ** XXXX XXXX XXXX is not licensed to practice debt collection in New Jersey , yet it has actively pursued collection efforts in violation of state regulations. 

- **Comments & Last Activity : ** Comments associated with the account indicate it's placed for collection and the subject hasn't satisfied the debt. The activity on the account, especially the recent one on XX/XX/2023 reported by TransUnion, showcases ongoing collection attempts. 

- **Request for Intervention : ** I respectfully request the CFPB 's intervention to investigate XXXX XXXX XXXX XXXX unlicensed debt collection activities in New Jersey . This action violates consumer protection laws and raises concerns about compliance with state regulations. 

Thank you for your attention to this matter and your prompt action to address this issue and safeguard consumers from unlicensed debt collection practices.
Consumer complaint received 2024-01-11
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: CITIBANK, N.A. (CA)

THIS WAS A CHARGE THAT I DID NOT DO. THE COMPANY IS XXXX XXXX ; THEY CHARGED MY SHOP YOUR WAY MASTERCARD XXXX XXXX XXXX XXXX FOR {$19.00} FOR A MEMBERSHIP I NEVER JOINED AND SHOP YOUR WAY, MASTERCARD CHARGED ME. I WAS UNAWARE OF THIS CHARGE, AND THEY CHARGED ME LATE FEES TOTALING TO XXXX XXXX I REACHED OUT TO MY MASTERCARD, AND THEY WAIVED ONE LATE FEE, BUT THEY SAID THEY ARE INVESTIGATING THIS CHARGE, AND THEY NEVER DID. I HAVE REACHED OUT TO XXXX XXXX, BUT THE PHONE NUMBER DOES NOT WORK. I AM 30 DAYS LATE ON THE CREDIT FILE WHICH I PAID AND IS UPDATED NOW TO PAID. THIS IS NOT FAIR I HAVE NEVER BEEN LATE ON ANY OF MY BILLS.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was told by a Bank of America branch in XXXX, NY that I could deposit a international check. 

I made the deposit on XX/XX/XXXX and by XX/XX/XXXX I was deposited on my account an amount way over the amount that the check had. 
I went to the branch and spoke with an account specialist and she contacted somebody else in the bank by phone and that person said they were going to substract the money and just deposit what I was supposed to get. To this date ( XXXX XXXX, XXXX ) I havent receive my money nor the check. All they send me was a copy of the original check I deposited. At this point I dont know if my honesty ended up with them stealing for me, I dont want their money, all I want is my money, I have principles and thats why I went to the bank because they deposited 3 times the amount I was supposed to get.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, XXXX XXXX Experian concerning XXXX XXXX XXXX Account # : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-05
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. (CT)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-01-05
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. (IL)

Take a look at the attached documents. I want the bureau to commence an investigation into these accounts, as I am consistently punctual, and yet they are reporting me as late.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (PA)

XX/XX/XXXX, total due to redeem XXXX, the XXXX XXXX XXXX was sold, leaving a balance that has been reported on the credit report which I have opt out of, the vehicle was repossessed in XXXX of XXXX by Bridgecrest Finance Corp.
Consumer complaint received 2015-06-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Campus Student Funding, LLC (FL)

The first occurrence was XXXX XXXX, 2015 in the amount of {$370.00} at which I notified the company of the error, the company did not notify me. Second occurrence on XXXX XXXX, 2015 in the amount of {$370.00} at which the company was notified of the same error and is currently unresolved as well, again I was not notified of the error I had to notify them. On both occasions the representatives that I called have requested and they have received faxes of the occurrences on my account at which they confirmed that they were received via fax to the representatives and management team of the company. All documentation showed the amounts debited in error, fees resulted from the error. The representatives and management team has promised as per the conversation to reimburse the amounts and any applicable fees associated with the error. I have met each demand the company had requested, I also faxed them documentation that I want a resolution. I contacted the company and verified they have received all the faxes, and I also requested for everything to be noted on my account. The have only reversed the XXXX charges, however have not reimbursed me for my fees. I was charged {$36.00} for each transaction by my bank as an NSF fee, and I have also been hit with {$140.00} in overdraft fees for my personal charges to my account that went NSF due to the {$370.00} charges. I have submitted written documentation that I want resolution, I also want verification of the error and the solution of the error. The company has not sent me any documentation that I requested, I then requested for termination of my lease with the company as they violated the contract agreement. The company has failed to comply with all.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I purchased a XXXX XXXX training package. Part of the reason for the purchase was for the training. But the thing that caused me to purchase that training package when I did was that XXXX himself offered a loan through XXXX 

XXXX positioned it for those ( like me at the time ) as a way to rebuild my credit. The promise was the XXXX would be reporting to all three credit companies. 

I purchased the package. Received the training. Made all payments on time. However XXXX reported only to XXXX ( and did not do that properly ) and XXXX, but did not report to TransUnion at all. 

When I attempted to resolve this with XXXX XXXX  XXXX XXXX XXXX and phone, I was simply blown off. 

Original loan amount was {$4900.00} XXXX # was XXXX Furthermore XXXX did did not report the XXXX amount to XXXX.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, XXXX XXXX Experian concerning XXXX XXXX  Account # : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a XXXX form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-05
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. (CA)

An unauthorized " New Credit Inquiry '' from or at the " XXXX XXXX XXXX XXXX XXXX '' was made on XX/XX/2024 I have contacted XXXX, TRANSUNION AND XXXX and made filed a fraud alert with each of these credit reporting companies.
Consumer complaint received 2023-11-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (NV)

I applied for a home loan through my bank, Wells Fargo. I was pre-approved. I submitted a contract and moved forward with the process. During the process I was never asked about previous real estate purchases. I had in XXXX bought a building through a tax sale. I paid cash for the building after the auction & there wasn't any loan, mortgage or such. I didn't bring it up during the loan process because it had sold twice since I let it go ( after I bought it, I paid to have the electrical panel replaced and then was told that I had to fix the back wall before I conducted any business there. The building was over 30 foot tall and someone prior took out a window from the brick building and bricked it up and now the back top wall appeared to be leaning. Noone condemned the building until I bought it..then they condemned it giving me a set time to fix the wall. Estimates from those who would even consider the job stated at least XXXX to start then who knew after it was started. I could not afford that without starting the business so I let the building go back into the tax sale. Underwriting at Wells Fargo for my new loan kept sending me task requests to explain *my foreclosure, short sale ..I wrote several letters to explain this was a tax sale, no mortgages or loans. Then after weeks of letters I was denied my loan stating that Wells Fargo has a 7 year rule for foreclosures and such and my transfer of title was XXXX years ago. I bank with Wells Fargo, my social security goes directly to my bank account there. My rental checks are cashed through Wells Fargo. I planned on having my payments auto deducted from Wells Fargo. My house payments would have been $ XXXX LESS than my rent payments. ( I sent upon request my landlords manager name and number. He states that Wells Fargo never called to verify or ask anything ). So after denial XXXX XXXX my loan officer asks do I want to try for an FHA loan @ a " bit higher '' closing costs. A bit higher was XXXX compared to the XXXX that I was paying in closing costs & 1.5 % on a XXXX house. I had previously explained to XXXX that the house would NOT qualify for an FHA loan and that the sellers were unwilling to bring it to code. I had already paid XXXX for an appraisal. To be told that I'm denied because I'm considered *high risk*. I am writing this rebuttal to overturn my underwriters *decision. XXXX XXXX XXXX. Ps I have MANY documents that I have sent over to Wells Fargo. Please ask if you need any for this investigation. My contract states that my loan should be closed by XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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. ()

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i would like the following inquiries removed from my credit report because I did not authorize the following companies to pull my credit report. You are fine. Many of these are duplicates,. I also have a letter from my mortgage company saying that there was an external data breach. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX