davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (OK)

I refinanced my vehicle from ally financial to XXXX XXXX XXXX XXXX. XXXX XXXX  requires a car lien for me to take to the XXXX. Failure to provide the lien by XXXX will raise my interest rate and possibly damage my credit. On XX/XX/2023 ally informed me they mailed my title/lien release XXXX I have yet to receive it as of time of writing, XX/XX/2023. I contacted Ally on the XXXX asking where my title/lien release is and they said they can not sent it to me, and instead already sent it to XXXX XXXX XXXX XXXX XXXX denies ever receiving this. I requested ally send it to either me or XXXX XXXX and provided the address that XXXX XXXX prefers. I would like to receive my lien release well before my XXXX deadline.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023, I applied online for a line of credit. Bank of America immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.
Consumer complaint received 2023-12-16
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. (CA)

On XX/XX/XXXX, a collection from CEP america showed up on my consumer credit report. I let XXXX know, and I was told it was removed, but have had no confirmation. 
Per HIPAA, the FCRA and the privacy act of 1974, as a federally protected consumer, This violates my right to privacy. This has led to a great deal of emotional and financial stress in my life. I have attempted to contact XXXX on numerous occasions, and have had no success. I want this situation resolved immediately. I have waited to long, and have suffered a great deal of stress already.
Consumer complaint received 2024-06-08
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: HYUNDAI CAPITAL AMERICA (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-04-26
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. (FL)

I am writing to dispute the reporting of a late payment on my credit report for the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. 

I have contacted the bank regarding this late payment, and they have approved updating the following accounts to " closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. I also request a copy of my updated credit report once this correction has been made.
Consumer complaint received 2024-04-26
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. (IN)

I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-01
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. (CA)

In XXXX of XXXX I was notified that the info was used fraudualntly to obtain credit. I promptly filed FTC AFFIDAVIT and reached to the bureaus and creditors. 

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 haveI told XXXX and Transunion to reinvestigate this account they have listed as verified and accurate. How can it be accurate if both bureaus have it listed with different account number, XXXX and Closed dates. 
: XXXX XXXX {$17000.00} XXXX Opened XXXX XXXX Date of last Activity XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX {$17000.00} XXXX Opened XX/XX/XXXX Date of last Activity XX/XX/XXXX Closed XX/XX/XXXX It is also illegal to report XXXX on my report and also as new account! 

Transunion has illegally reaged this account. 
The credit bureaus stated everything was complete and accurate. But how is that possible if the account numbers are different, open date, date of last activity and much more is incorrect. 

The following inquiries are also not authorized were not given permission and I demand these to be removed.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ), credit reporting agencies are supposed to modify accounts that aren't reporting correctly.

I have attached a copy of my credit report to show proof of the blatant errors and misleading info on my report. that they have said were correct.

The credi bureaus are also not in compliance with METRO 2 laws,. 

I want the account and the inquiries removed along with inputting the correct info on crediit my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX I have been dealing with this for far too long and I will be taking legal action against TRANSUNION and XXXX for the violations of consumer my rights .I have alot of evidence to prove my case.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am writing to file a formal complaint Bank of America regarding the handling of my accounts and unresolved issues with the bank 's services. This letter serves as a continuation of previous complaints submitted to the Consumer Financial Protection Bureau ( CFPB ) Following my initial complaints to the CFPB regarding Bank of America, I received communication from XXXX XXXX XXXX, Resolution Specialist, Regulatory Complaints Operations at Bank of America. XXXX XXXX left me a voicemail and sent an email providing contact information for further discussion. Despite multiple attempts to reach XXXX XXXX, I was only receiving communication on XX/XX/XXXX at XXXX XXXX from XXXX XXXX ( extension/ Ext. XXXX ) During our conversation, I requested an interpreter, which XXXX XXXX agreed to provide for our scheduled discussion on XX/XX/XXXX at XXXXXXXX XXXX. However, XXXX XXXX 's behavior during our subsequent phone call on XX/XX/XXXX was unprofessional and unacceptable. She abruptly ended the call when I mentioned recording the conversation, thereby hindering the resolution process. 

Furthermore, the handling of my credit card disputes and other issues by Bank of America 's fault department has been extremely inefficient and unproductive. Despite numerous attempts to address these matters, I have been consistently redirected between different departments without any resolution. The lack of coordination and accountability within Bank of America 's customer service structure has exacerbated the situation and left my concerns unaddressed. 

Moreover, I have recently received a letter from Bank of America 's collections or credit department threatening to charge off my credit at the end of the month. This action is unwarranted and unjust, as I have not utilized all of the credited funds, and it will negatively impact my credit score, the problem about scams and automatic charges from XXXX in my credit card. 

Given the gravity of the situation and the lack of progress in resolving these issues directly with Bank of America, I urge the CFPB to intervene and facilitate a prompt and satisfactory resolution. Additionally, I request that appropriate action be taken against Bank of America for their failure to address and rectify these ongoing concerns, in a fair and equitable way but instead off phone calling on XX/XX/ from XXXX XXXX Bank Of America after bank recipient my complaint to CFBP, way to deal with the risks and consequences, this has hurt me as a Bank of America customer for over 15 years, and the important it is my credit score has problem. 

Enclosed with this letter, please find recordings of my interactions with Bank of America representatives, as well as any relevant documentation supporting my claims. I will forward communication XX/XX/2XXXX  to CFPB in future. 

I appreciate your attention to this matter and look forward to a swift resolution.
Consumer complaint received 2023-12-31
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. (NJ)

I am a victim of identity theft. I have been made aware of the ongoing fraudulent actions being committed against my estate. These fraudulent actions are in multiple violations of 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, and in turn have caused me a great deal of stress along with an exponential amount of loss. Therefore, I am requesting that the reporting of the information be blocked and deleted along with payment of the civil liabilities outlined in 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION. 
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have 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. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2024-01-01
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. (NC)

As I am currently looking for a new home for my family and I, I wanted to make sure that the Credit Reporting Agencies have all accurate information. Upon discovery, I see inconsistencies in the information amongst the top XXXX credit reporting agencies ( Transunion, XXXX, and XXXX ). As these companies know 15 USC 1681c ( 1 ) ( a ) ( 4 ) states that no accounts placed for collections shall be included in the consumer report. Transunion, XXXX and XXXX has not received any written expressed consent from me, the consumer, in fact, XXXX XXXX, granting permissions for inaccurate information to be on my consumer report. I have been in dispute with the XXXX credit reporting agencies for over a month with accounts coming back verified and I never verified any information which is also a stipulation under the FCRA. I have requested this information from the furnishers as well as the agencies.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX, XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 2023-12-31
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. (NJ)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC XXXX and XXXX XXXX XXXX Dear XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (PA)

A few weeks ago, I received a letter from the county that I didn't pay school taxes on time from XX/XX/23. Flagstar was responsible for paying my taxes from my escrow account. I had to pay a {$200.00} penalty or it would go to collections in two weeks.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

This was a case of identity theft. I never opened this account in my name. I have no recollection of obtaining or opening this account, my identity was stolen years back this has to be a part of that situation. I'm asking them to drop/close the account I had/have nothing to do with this account ever. It's not me.
Consumer complaint received 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 : 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$240.00} ; XXXX XXXX
Consumer complaint received 2023-12-31
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 these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX, 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 2024-04-26
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. (WI)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-13
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. (CA)

Equifax, XXXX and XXXX  are reporting inaccurately on XXXX XXXX XXXX account XXXXAfter repossession of a car in or about XX/XX/XXXX, the account was charged off for {$5800.00} in XXXX XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXXXXXXAfter dispute with all 3 bureaus XXXX  says on the report, {$7100.00} past due in XX/XX/XXXX.InXX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.