davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1995 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding the inaccurate and unverified entries on my credit report, and to request your assistance in enforcing my legal rights to accurate credit reporting. I believe that the following entries on my credit report violate specific sections of the Fair Credit Reporting Act ( FCRA ), and I am seeking resolution in accordance with the law.

The inaccuracies pertain to the following accounts : 1. Creditor : XXXX XXXX  Account Number : XXXX Violation : Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) - Accuracy of Information Reported. 
Violation Details : The account name and number provided by XXXX XXXX are questionable and lack clarity. This discrepancy has generated confusion and concern on my end. 
2. Creditor : XXXX XXXX Account Number : XXXX Violation : Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) - Accuracy of Information Reported. 
Violation Details : The account name and number provided by XXXX XXXX are similarly questionable and lack clarity. This inaccuracy has raised doubts about the validity of this entry on my credit report. 
These inaccuracies have had a profoundly adverse impact on my life. Allow me to share a personal story that underscores the emotional toll of dealing with erroneous credit reporting. As a single parent working tirelessly to provide for my family, I have always maintained a diligent approach to my finances. My credit history has been a source of pride, a reflection of my commitment to financial responsibility. However, the appearance of these questionable accounts has shaken my confidence in my financial standing. I recently applied for a mortgage to secure a stable home for my children, only to face denials and unfavorable terms due to these discrepancies. The ensuing stress, disappointment, and heartache have taken a toll on both my mental and emotional well-being. 

In light of the aforementioned violations and their deeply distressing repercussions, I implore your intervention. I kindly request that you enforce the legal provisions outlined in the FCRA, including Sections 611, 623, 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 8 ), and direct the creditors to either substantiate and clarify the account information in question or remove the unverified accounts from my credit report entirely. This step is not only necessary for the accuracy of my credit history but also for the emotional peace of mind that has been severely compromised. 

I eagerly anticipate your prompt action in this matter. I believe that through your intervention, justice will prevail, and I will be able to continue pursuing financial stability for the well-being of my family. 

Thank you for your time, attention, and dedication to upholding consumer rights. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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. (SC)

CEASE AND DESIST UNAUTHORIZED USE OF XXXX XXXX : XXXX & XXXX. UNAUTHORIZED USE CONSTITUTES INFRINGEMENT AND WARRANTS COMPENSATION. YOU ARE TO REMOVE THE OWNERS MARK FROM YOUR RECORDS FOR IMPROPER USE OF MARK. YOU ARE HEREBY GIVEN TEN ( 10 ) DAYS TO RESPOND. SEE ATTACHED STATEMENT FOR ARBITRATION.
Consumer complaint received 2024-05-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Credit Fresh Holdings Inc (TX)

I have concerns regarding the structure of a personal loan I obtained for {$1000.00}, specifically regarding the associated fees. Each monthly payment on this loan is {$130.00}, with {$120.00} of that amount designated as a 'statement fee, ' leaving only {$19.00} applied towards the principal each month. While these terms were available on the lender 's website, the extremely high fee relative to the loan amount seems unreasonable and disproportionately burdensome. The effect of these fees severely impacts my ability to efficiently reduce the loan 's principal, potentially leading to an unnecessarily extended repayment period and significantly increased total cost of the loan. I believe this fee structure could be considered predatory, as it drastically inflates the cost of borrowing and could trap borrowers in a cycle of debt. I request that the CFPB review this situation to determine if these practices are fair and compliant with applicable consumer protection laws.
Consumer complaint received 2023-04-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I filed a complaint with the credit bureau in XXXX of XXXX. The complaint has still not been resolved and it is now XX/XX/XXXX. I have sent multiple letters and have also emailed the XXXX office and the CEO. No one has responded.
Consumer complaint received 2023-08-02
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. (NM)

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.

The letters are stated with items and issues.

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 2023-01-31
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. (IN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/year> a fraudulent account was opened in my name at Wells Fargo without my consent. I have attempted to dispute it and have it remove however the credit continues to inaccurately violate my consumer rights by reporting it. In addition, each credit bureau also illegally reports this fraudulent account as well. There is current a balance reporting of {$18000.00}
Consumer complaint received 2021-10-26
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 (CA)

on XX/XX/2021, XX/XX/2021 XX/XX/2021 A hard inquiry appeared with the credit reporting agencies with XXXX, XXXX, XXXX from Capitol One Auto Finance. 

The inquiry was not authorized and consequently my credit scores was affected. 

I called Capital one on XX/XX/2021 for a letter I have sent to them thru fax. They are not able to locate the letter. I was told that it will take them 30 to 90 days to review the request which is referenced as XXXX 

I am requesting that Capital One delete the unauthorized inquiry. I am requiring proof in writing for the authorization from Capital one.
Consumer complaint received 2023-09-25
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Considering the problem that I have had that were outlined in my complain number XXXX, I would like to request an investigation into the PMI cancellation practices of Truist Bank XXXX 
As housing prices have escalated, so too has the minimum loan amounts on loans being financed by this lender. 
If I am having this much trouble getting PMI cancelled, I would assume that many other people are as well. 
Please consider investigating other consumer loans with this lender for attempts to decline borrower requests to cancel PMI.
Consumer complaint received 2023-11-30
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian continues to improperly put the wrong name on my credit report. I have sent them via certified mail the proper credentials ( Driver license and Passport ) with my proper birth name. The continued acts of putting the wrong name on my report is a violation.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

Current annual APR % on the care credit account is already at 29.99 %. They are going to raise this to a ridiculous APR of 32.99 %. They claim on the last statement of XX/XX/XXXX, that I have the right to reject the changes. However, if I do reject the changes that I am allowed to reject, I will not be able to use the account for new transactions. Changes will take effect on the day after XX/XX/XXXX. They claim to be raising the rates due to market conditions. Yes I was notified, great, is this legal? Isn't this too high??? Who is watching over these companies? Stop screwing the middle class!
Consumer complaint received 2023-11-30
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. (PA)

My information was apparently sold and bought illegally because I was a victim of a XXXX XXXX BREACH. I am requesting to have these items DELETED from my credit reports effective immediately. I am attaching a letter displaying proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing to resolve the matter to date. Please help me delete these illegal and fraudulant accounts from my credit reports that are attached below in this message : VERIFIABLE XXXX DATA BREACH CLAIM # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX DATE LAST ACTIVE : XX/XX/XXXXXXXX XXXX XXXX BANK ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LATE REPORTED : XX/XX/XXXX XXXX XXXX XXXX  ACCOUNT # XXXX DATE XXXX : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX XXXX XXXX ( XXXX ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX -ORIGINAL CREDITOR : ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX TRANSUNION XXXX XXXX XXXX  ACCOUNT # XXXX DATE XXXX LAST REPORTED : XX/XX/XXXX DATE LAST ACTIVE : XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX XXXX LAST ACTIVE : XX/XX/XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX POWERED BY XXXX ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX DATE LAST XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX ) ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX LAST REPORTED : XX/XX/XXXX
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I cancelled my internet and phone service with XXXX and returned my equipment in person to the store on XX/XX/. The person at the store confirmed that I was owed a balance of {$.00} for disconnecting early. However, I was sent a bill from a debt collection agency on XXXX and XXXX saying I owed {$150.00}. I wrote back to the debt collector with documentation on XXXX  and XXXX. I called XXXX on XXXX but they refused to remove charges. CBHV Reference # XXXX ( XXXX Account # XXXX
Consumer complaint received 2023-11-30
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. (FL)

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 the Account Number # XXXX, However, they 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 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.
Consumer complaint received 2023-07-19
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. (NJ)

I have reviewed my credit report and found items that I have no knowledge of. There are inquiries listed in my report that I believe were a result of Identity theft. I have attached a written letter of my complaints including the list of inquiries that I need to remove from my credit file
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. My credit information has been used without my consent/authorization or knowledge, I have submitted documentation to support my claim and I request these fraudulent accounts be blocked and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Investment Retrievers, Inc. (FL)

My credit has been check by this company INVESTMENT RETRIEVERS that I am NOT AUTHORIZING them to check my credit. I do not give them permission. They have check my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called then many times before and they say they can check my credit without my permission.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

My home loan was sold from XXXX XXXX XXXX and transferred to Rushmore Loan Management as of XX/XX/XXXX. I was previously charged for home owners insurance from XXXX {$3600.00} and I had to file a complaint with the Attorney General Office of MA to receive a refund from XXXX before my home loan was transferred. I received a letter from Rushmore and spoke to them over the phone that I have already purchased coverage. They asked for me or my agent to send a copy. XXXX XXXX XXXX called Rushmore and sent a copy of my home owner insurance on XX/XX/XXXX to show proof there was coverage for my house. In XX/XX/XXXX I was charged {$3600.00} for insurance again.
Consumer complaint received 2023-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

I am writing to express my serious concern and dissatisfaction regarding the continued communication from Midland Credit Management despite my explicit request for cessation of communication as per 15 U.S. Code 1692c. Pursuant to this federal statute, I exercised my right to cease communication in connection with the debt that you are attempting to collect.

Under 15 U.S. Code 1692c - Communication in connection with debt collection, it is clearly stated that if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for the debt collector to cease further communication, the debt collector must comply with this request and refrain from any further communication regarding the debt. This includes any form of communication, whether direct or indirect, through any medium. 

I previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Midland Credit Management 's practices. In response to that complaint, I was informed that Midland Credit Management claimed they would cease and desist communication. However, it has come to my attention that despite this claim, I am still receiving communications from your company, which is a direct violation of the statute mentioned above. 

It is essential to note that the term " communication '' encompasses the conveying of information regarding a debt through any medium. My consumer reports, which your company is using to report information, are also a medium of communication. By failing to cease communication through all mediums, including but not limited to consumer reports, Midland Credit Management is violating the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

I want to bring to your attention that I am aware of my rights as a consumer, and I am fully prepared to take appropriate legal action to protect those rights. Under the FCRA, I am entitled to accurate and fair credit reporting. If every account that your company is reporting on me is not removed immediately, I will have no choice but to pursue legal action for the violations outlined in this letter. Please be advised that I can seek damages of {$1000.00} per violation, which could result in substantial financial consequences for your company. 

I expect this matter to be rectified promptly. I request that you cease all communication through any medium, including consumer reports, and remove any accounts associated with my name from your reporting immediately. I also request written confirmation of the cessation of communication and the removal of accounts. 

Your immediate attention to this matter is crucial, as further violations will result in legal action. I hope we can resolve this matter amicably and avoid unnecessary legal proceedings. 

Thank you for your prompt attention.
Consumer complaint received 2023-11-30
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. (DE)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX