davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion has been contacted several times and I have put in several disputes of the inaccurate information reporting in my public records a dismissed XXXX XXXX bankruptcy from XXXX Transunion never verified this information they just keep coming back stating it was verified and they are failing to do so court gave me a copy of document 41 that clearly states the bankruptcy from XXXX  was dismissed and not added to the record I just want transunion to report the correct information it was a XXXX XXXX bankruptcy that was dismissed. Transunion has the documentation but they are failing to update my public record and Transunion is the only credit bureau that is refusing to fix their error.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (CA)

On XX/XX/XXXX or before I closed my XXXX XXXX XXXX by phone. It was a secured card. My balance that day was {$1100.00}. The {$1000.00} security account was paid to XXXX XXXX reducing my balance to {$160.00} which I paid through my bank that month. 
The account was closed and paid in full. Subiscqkelty while I was in the hospital I started reciveing account statements for late fees starting with {$35.00} adding another {$35.00} each month. I did not have anyone alerted to pay a bill from XXXX XXXX because the account was closed and paid in full. By the time I saw and called the first bill was for about {$70.00}. They are now demanding over {$100.00}. 
I made three calls, one a month to fix the problem but was stone walled. No one called me back. I was not given a place to write or email. I was not allowed to talk to anyone who know what was happening or could fix the problem. All they did was threaten. 
When I closed the account a payment from my secured account of {$1000.00} was made well over the {$35.00} minimum payment needed for XXXX. My payment of {$160.00} was made upon demand constituting a second payment for the month of XXXX. I paid twice and they charged me a late penalty. 
As I attempt to get their attention they continue to add on charges every month to a closed account with a XXXX balance. 
I get the feeling in dealing with them that they are accustomed to such contemplates as mine and they have no interest is fixing the problem as long as they are making money. I am a senior citizen and feel I am being taken advantage of by XXXX XXXX.
Consumer complaint received 2024-03-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc. (MI)

On XX/XX/2024, they sent notice of alleged collection for XXXX and XXXX. On XX/XX/2024 via certified mail, I sent a validation request recieved by them on XX/XX/2024. On XX/XX/2024, I recieved a copy of a bill from " XXXX XXXX '' ( the alleged debt states " XXXX XXXX '' ). On XX/XX/2024, I responded that a bill is not a validation of alleged debt and again, asked for the correct validation information. This was sent via certified mail and recieved on XX/XX/2024. I have yet to recieve a response from the company with validation of debt. But on XX/XX/2024, a letter was sent stating that they needed a payment or they would report my information to the credit bureaus and would affect my credit score. 

However, this information was not validated and reporting it is a violation of the Fair Credit Reporting Act, which would allow me to seek damages. 

I have now requested validation from the company on two separate requests and the information has yet to be delivered, yet, the company is now threatening me with credit reporting and hasn't even allowed the appropriate amount of time to pass between correspondence.
Consumer complaint received 2023-12-14
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. (FL)

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 XXXX XXXX XXXX. 

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 XXXX XXXX XXXX ( XXXX ), they are supposed to modify or delete accounts that aren't reporting correctly. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 : XXXX. 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. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. 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 : XXXX. XXXX the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. 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 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WESTERN ALLIANCE BANCORPORATION (VA)

This is my third complaint on this topic as the company is misrepresenting facts in their response and I dont have and option to highlight the misrepresented facts and attach to the feedback. 
I have asked Western AllinaceXXXX Bank to apply my restrcited escrow funds to the loan principal balance and recast the loan in XXXX XXXX and they delayed the process which resulted in me paying thousands of dollars of interest. 

The company has misrepresented the following facts in their reponse. 
1. I never made any repairs to my property as the home washed away. The company is aware of this and infact I was allowed to cancel my home owners insurance middle of XXXX as there is no home on the lot. There were no inspections, no contractor information and no progression report ever. They stated repairs were completed in XX/XX/XXXX when I havent done any repairs. I would like to ask the company about the evidence of the repairs that were completed in XX/XX/XXXX. 
2. The company stated that I inquired about using funds to pay off the loan in XX/XX/XXXX but in reality, I have inquired about using the claim funds to pay off the loan and recast the remaining amount in XXXX XXXX. Please listen to the calls when I had customer service, mortgage departement and loss draft on the call in XX/XX/XXXX. All of them said it can be done and asked me if I want to initiate and I said yes to that. Subsequently, I was sent a recast schedule ( after restricted escrow was applied to principal ) and I paid {$300.00} over the phone for recast fee and you can see the evidence in the payment history in XXXX XXXX. I have contacted the company numerous times since XX/XX/XXXX and was always told it is being processed and in reality the process only started after my escalation in XX/XX/XXXX. 
3. The company claims that I have not returned the recast agreement while I have not received the agreement. When I called the company in early XXXX they said they are processing and dont need any information from me. Please listen to the calls. On XX/XX/XXXX after receiving the response to my complaint, I called the company and asked them for tracking number for the recast agreement and they can not locate it. The supervisor said he will research and contact me and no call back as of XX/XX/XXXX at XXXX The company needs to do an internal review of 1. Their process of applying restrcited escrow funds to loan and recasting the loan.

2. CFPB complaint review process. Clearly the complaints operations team has not done a thorough review of the calls and evidence and has mistateted many facts trying to hide process issues under the rug.
Consumer complaint received 2023-12-22
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. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-14
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. (IL)

I HAVE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. PLEASE REMOVE IMMEDIATELY.
Consumer complaint received 2023-12-14
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. (TX)

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 2023-12-14
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. (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 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX I XXXX XXXX submitted a fraud claim, Claim # XXXX for unauthorized activity regarding charges that were made from a foreign country primarily in XXXX and XXXX. I am a XXXX XXXX XXXX woman and am not computer savvy. I can assure you i did not make those charges in those countries. BOA stated the denied my claim because I stated a charge was authorized on a specific date. I am not tech savvy and I might have accidently stated that a charge was authorized when they sent it to my email. It is very difficult for an American citizen to be in XXXX so I don't know how my car was used there. I am requesting a provisional credit for all unauthorized activity on my account immediately per Regulation E guidelines.
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (NE)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (TN)

On XX/XX/year> my account was fraudulently accessed and someone changed all my login and personal info. They then requested a new virtual card and used it to steal {$3800.00} from me. Leaving me with {$2.00}. I contacted Credit Karma Money Spend account customer service multiple times over several days before they would even open a case. They froze my account. Then refused to give me any updates and refused to file disputes on the 5 unauthorized transactions. After 2 weeks of going through every channel I possibly could an agent agreed to file the disputes. They refused to provide provisional credits for the money stolen. Said I would have to wait 10 days. Every time I reach out for an update via email, chat and phone they refuse to provide one. Its now been almost 4 weeks and I just gained access back to my account but they still have not refunded the money stolen. In this month, bc that was every dime I had to my name, my power was shut off, my car was repod and I have creditors breathing down my neck bc I havent been able to pay my bills due to all my money being stolen.
Consumer complaint received 2023-08-24
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. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I fell for a multi-layered scan operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX from my BofA account to fraudulent investment firm ( s ). I let know bank of America right about the situation that happened an told me they would work something out but at the end they didn't help me out much.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

MY INFORMATION WAS RELEASED IN THE TRANSUNION DATA BREACH AND I NOTICED AN UNAUTHORIZED INQUIRY ON MY CREDIT REPORT THAT I DID NOT BENEFIT FROM. THIS IS UNFAIR AND I NEED THIS REMOVED IMMEDIATELY BECAUSE THIS IS HURTING MY REPUTATION WITH THE BANKING SYSTEM
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently raised concerns about the inaccuracies in the provided information with XXXX, XXXX, and TransUnion ; unfortunately, the matter remains unresolved to date. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX XXXX and XXXX XXXX new information was sent to each credit company of loan balances being consolidated. Fir XXXX my score dropped on XXXX. There is no change in balances and loans should show as one combined balance. Student loan is current.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.