davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NJ)

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called Transunion to get my credit report on XX/XX/2023, and after receiving it, I noticed some hard inquiries do not have a permissible purpose according to 15 USC 1681b. I also attached my credit report and a letter showing that XXXX is violating the FCRA.
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (UT)

I have been with Flagstar for over two years and I always pay my mortgage on time every month. I requested to waive the escrow account so that I can manage the tax and insurance payments myself, but I was told that they will charge a 0.25 % or {$150.00} ( whichever is higher ) escrow waiver fee even though I have been with them for more than 2 years.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, 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. (NV)

I have been a XXXX customer since XXXX with my student loans. I have always been on the Income-based Repayment Plan as I was working internships after college. In XXXX of XXXX I applied for my new Income-based Repayment Plan and foolishly " assumed '' the payment would be {$0.00} as it has been since my graduation in XXXX of XXXX. From XXXX when I applied to current time, I have received NOTHING from XXXX  about payments, delinquent payments, last chance for payment or anything! However this past XX/XX/XXXX, I received an update from XXXX XXXX that I had two months of missed payments on my ten accounts! The total of these student loans is {$41000.00}. My credit report now shows 90 and 120 days late on my payments for the months of XXXX and XX/XX/XXXX. So far I have called XXXX repeatedly and sent hand written letters three times to the Credit Bureau which " only accepts hand written mail. '' I am up to date on payments and set up automatic payments immediately upon receiving notification from XXXX XXXX. XXXX had the incorrect phone number that I didn't even recognize and incorrect email however they had the correct physical address! During the time of XXXX to XXXX I received physical mail about pre-approval for new loans through XXXX and consolidation options but nothing about the status of my current loans. I updated my info and in their records I am in good standing. However I am on dispute number two with TransUnion to have the delinquent payments removed from my credit report as it was not my fault they were not paid. I never got a chance to pay my bills because they never contacted me. TransUnion is happy to remove the delinquent payment request as it was not my fault however they are waiting for XXXX to contact them and I have tried to contact XXXX but feel I am stuck exactly where XXXX wants me. This has severely affected my life as I can not get approved for loans, credit cards, apartments, gas/electric or even internet because my credit score is  around. Before this incident I had never been late on a payment, paid off my credit card multiple times and was on top of my student loans however now I have to rely on my girlfriend to get approved for things. Please help me!
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2024 Navy Federal Took {$4500.00} out of my savings account without my consent or knowledge after verbal agreement. They applied {$3500.00} to one card and paid the other off! I called tried to plea with them that was a non profit check to help me move and that I came in and had agreement to make payments when I deposit check but they disregarded. After pleading with them they applied {$1500.00} back to my account. I called back to ask why the changes not on my report after 30days they told me they will not update my account until I pay it off! Well they messed up and violated the fora law by reporting inaccurate information. They reported I only paid {$150.00} on XX/XX/2024. Well that is totally inaccurate. Ive paid between XXXX XXXX on this card and still have a balance of XXXX impossible! Navy Federal has been over charging me and other minorities triple the rate keeping us high in debt and drastically affecting our credit. I am a victim and I want to file and be apart of this class action lawsuit! Not only this card they have over charged me several times on my other card I recently paid off! I want these accounts off my credit report! I will be alerting others by social media and every other outlets Navy Federal Has XXXX of complaints and its not fair that they get to discriminate over charge and destroy customers and citizens of US! I want compensation for all my pain suffering denial homelessness loss of businesses!
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (CA)

My name is XXXX XXXX XXXX Got an alert that my XXXX XXXX and Ineed acces mail me the card debit to this address Wire to this account thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca Zip XXXX XXXX Send check or debit card Router # XXXX Account # XXXX Sincerely XXXX
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

I was scammed by a fake XXXX XXXX  company late XXXX. I called US Bank to dispute the charge but they denied me after not receiving a letter in the mail. I called a few days ago, reopened the case and had the letter resent but they charged me {$100.00} anyways sending me into a negative balance and unable to pay bills. Today I called and they hung up on me.
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. (GA)

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 the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX. Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. I requested for the documents showing steps taken by credit beaureu doing investigation. I never recieved it. I disputed with both creditors and credit bureau on multiple occasions to keep getting generic system replied. My FCRA has been violated on multiple occasions from transunion, XXXX, XXXX.
Consumer complaint received 2018-11-29
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: EQUIFAX, INC. (OR)

i have 2 accounts reporting on my credit with Equifax that show a balance. I have provided letters to equifax showing the accounts were paid and ARE to be DELETED from thier reporting. Per Equifax Supervisor XXXX employee ID # XXXX, she stated even though they have received the letters they will NOT CORRECT THE REPORTING. I have contacted the Creditor 's Directly and they have told me that the Reporting was already completed and Equifax was told to Delete the Accounts. XXXX and XXXX  Deleted the accounts on the Same day XX/XX/26, Equifax REFUSES to DELETE or even show its paid off!!!!
Consumer complaint received 2024-03-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (TX)

I have no knowledges of this closed account and it is hurting my credit and chances of being approved for other things. I sent a letter to the creditor requesting an investigation be done on XX/XX/2024. I did not receive a response. After 30 days I sent a follow up email requesting they show me the investigation process they took and answer some verification questions. I still did not receive a response. I am now reporting it to CFPB to get help with this matter.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX This account is listed inaccurately amongst all credit bureaus The " Date of Last Activity '' is showing a different date each for XXXX and TransUnion XXXX How was this verified if the dates do not match and are not identical? 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. 

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Consumer complaint received 2023-12-27
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'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 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 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc. (TN)

I had a SECURED card with Self Lender. I asked them to close the account on XX/XX/year>. On XX/XX/year> I made my last credit builder account and told Self Lender to apply this to my secured card and close the account. Self Lender didnt do that and began charging me late fees. They only closed my account in XXXX and continued to charge me late fees until they charged off the account and reported it to the credit bureaus. I DO NOT OWE SELF LENDER ONE XXXX!!!!!! Self lender is trying to scam me out of {$140.00}. They need to correct this account and either remove it from the credit bureaus or change it to paid as agreed. Once again I owe them XXXX DOLLARS!!!! Every XXXX that Self claims I owe them is LATE FEES on an account that I closed and they didnt!!!!!
Consumer complaint received 2023-12-27
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. (IN)

Despite several written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

There is something very suspicious going on at Equifax. Please investigate!!! I am a victim of identity fraud and some fraud group has my personal data. Due to the fraudster obtaining my Equifax information, I've been getting multiple letters in the mail from creditors who are telling me via mail that they are 'unable ' to approve my credit card application since ( 1 ) I have freeze with other credit bureaus ( 2 ) unable to verify identity. In Equifax, there are up to XXXX inquiries related to the fraudster trying to open new credit card under my name. 

On a daily basis, I am playing cat and mouse as the fraudster is using the Equifax 'automated service ' to unfreeze my credit report. I log into my account multiple times/ day to check if my credit is frozen but often times it is revered by the fraudster ( using the automated process via phone ). This is a new complaint but it is related to my original complaint XXXX '. I was on the phone with Equifax for over an hour and a half today ( XX/XX/2023 ), and they couldn't resolve this issue. Equifax rep is saying that the fraudster can use only personal data in the Equifax ' 'automated service ' to unfreeze the credit report. This is process available for everyone and they can't just shut it off for me. I don't understand how other countless ID theft victims don't have this same/ similar issue. I would highly appreciate if the CFPB can look into this mishap in their control and investigate with great intent. I don't want to say it's an inside job but I am also uneasy that the Equifax reps ask for your entire personal information including social security #, address, email, phone number when you call in to inquiry about any issues. I am losing sleep over this matter and the fraudster will eventually/potentially open a false account XXXX day. PLEASE HELP!
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

On XX/XX/2024 I sent a request to investigate the accounts below due to inaccuracys. I received a response from Equifax stating both accounts have been verified and are accurate. I disagree with this decision and I would like a detailed explanation on how these accounts where verified and the process used for verifying these accounts. If this can not be provided please remove these accounts listed below. 

XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under on open end consumer credit plan as late for purpose.

XXXX
Consumer complaint received 2024-06-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (CO)

Dear Consumer Financial Protection Bureau, I am filing this grievance to you with profound distress and urgency to seek your intervention as Ive exhausted all options to remove an inaccurate collection from Credit Management Acct # XXXX that has drastically affected my credit standing. I have been severely impacted by a billing error from XXXX XXXX ( XXXX ), which has culminated in an unjust collection notice being placed on my credit report, leading to a dramatic and unwarranted decline in my credit score. 

I subscribed to XXXX XXXX services from XX/XX/year> until I terminated the connection in XX/XX/year>. During the entire period of my subscription, I ensured that all payments were made on time through XXXX. Upon cancellation of services with XXXX, I went to a physical location of theirs to return the equipment versus mailing it in. I also confirmed that all dues were paid in full, trusting that XXXX would handle any remaining balance automatically. 

Despite my diligence in maintaining a flawless payment record, Unbeknownst to me, my account was sent to collections for {$120.00}, and to this day, I am not 100 % sure why or what its for. When I was alerted to the collection, I reached out to Credit Management regarding Acct # XXXX to question the nature of the debt. Due to my busy work schedule and the fact that it was a small balance, I was willing to address the sum but only if Credit Management agreed to delete it from the credit bureaus because it was not a valid collection, which they advised they would not do. This erroneous collection notice has caused a nearly XXXX drop in my credit score, severely affecting my financial standing and particularly my efforts to secure a mortgage for a home purchase. Before this incident, my credit score was XXXX, and it has now plummeted to XXXX. This unjust mark on my credit report has resulted in higher loan interest rates, translating to a significant and undue financial burden over time. 

Collections are not my area of expertise as this is the first collection Ive ever received. I am unfamiliar with the verbiage, laws, and guidelines of the collection process. All I knew is that I was unjustly placed into collections with no recourse. Credit Management LP referred me to XXXX XXXX, a credit repair company they claimed could assist in removing the collection. In desperation, I reached out to XXXX XXXX for assistance and paid them {$440.00} to help remove this inaccurate collection with no resolution. In hindsight, why would I be referred to a credit repair company to remove a collection when the collector stated they would not remove it? Is this even ethical? Clearly, this shows my desperation to resolve the matter as I was determined to regain the XXXX points to my scores that Ive worked very hard for, which were unjustly diminished by an inaccurate billing. This is not a valid collection and must be removed from XXXX, XXXX, and XXXX post haste to restore my credit standing.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I ran my credit, and I notice I had a fraudulent discrepancies from a company named XXXX XXXX on XX/XX/22, that I did not consent to, and have no knowledge of this account. I am a victim of fraud, and this is fraudulent activity on my credit file. I am being violated of my rights under the Fair Credit Act.