davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-22
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. (CA)

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.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681c Section 604 ( a ) ( 2 ) States that a consumer reporting agency can not furnish a account without written consent of the consumer. ( Me )!

15 U.S.C 1681s-2 Section ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is innacurate. 

Transunion ; XXXX XXXX XXXX. {$390.00} XXXX XXXX. {$0.00} XXXX XXXX XXXXXXXX. {$370.00} XXXX XXXX. XXXX. {$130.00} XXXX XXXX. XXXX. {$260.00} XXXX XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX. XXXX. {$260.00} XXXX XXXX XXXX. {$130.00} XXXX XXXX XXXX. XXXX. {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX XXXX XXXX XXXX. {$0.00} ALL THREE CREDIT REPORTING AGENCIES REFUSED TO SEND ME A FREE COPY OF MY CREDIT REPORT UNLESS I AGREED TO THERE TERMS OF SERVICE AND PAID FOR THERE PREMIUM SERVICE ONLINE ON XX/XX/2023 I HAVE NOT GIVEN ANY WRITTEN CONCENT NOR VERBAL CONCENT FOR ANY AGENCY TO REPORT ON ANY OF THESE NEGATIVE ITEMS. THERE ARE ALSO NEGATIVE ITEMS WITHIN THE LIST PROVIDED HERE THAT I HAVE NO KNOWLEDGE OF. 
I AM ASKING THAT ALL THE ITEMS BE REMOVED IMMEDIATELY. THEY HAVE PRETTY MUCH RUINED MY LIFE. COMPLETELY RUINED MY LIFE! THANK YOU!
Consumer complaint received 2023-06-19
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. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-10-22
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: Fig Tech Inc. (OH)

During the course of this loan, communications from the company were being supplied via two different emails causing important notifications to be sent into my junk/spam folder and missed. 

The dates of my repayments were modified and set without my review or approval. 

In my attempt to pay a day before my payment was due, it would not allow me to as it was already processing. Another time it said I was passed due. Making it difficult to actually make payments. 

But the real and what I consider the biggest issue, is that when I was unable to make my payment because their system wouldnt allow me to ( and it would have been paid a day early ) ; it was after that they issued an email stating WE LEGALLY CAN NOT PULL THIS PAYMENT FROM THE ACCOUNT ON FILE. ( We can pull future payments. ) needing my authorization to withdraw the funds! An authorization I NEVER gave!! However, 2 days after that email they took the money out. When it was brought to their attention I was told they considered it a future payment, unfortunately it was not a future payment, it was their attempt to recover the previous payment I was unable to make due to their system. 

They violated their contract with me and have now destroyed my credit covering up their illegalities!!
Consumer complaint received 2023-10-22
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 Sent my letter off on XXXX I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

I have the credit report showing the inaccuracies. 

( List the accounts Accounts ) Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX Bank Account Number : XXXX 2.Account name : XXXX Account number : XXXX 3.Account name : XXXX XXXX XXXX XXXX Account number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violations.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. I disputed my balance with XXXX and no changes were made. 

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. My credit report does not reflect that.
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I opened 3 credit cards with capital one. Never had any issues. Always making my payments on time. Somehow my account was flagged for possible fraud. Im not exaggerating when I said almost 13 different people from the XXXX called me asking to sent copies of my driver license, social security card and bank statements for verification. They wanted me to show my personal bank information on it. Lets start by that is dangerous to be giving your information to other people, specially overseas. I did it anyway. Somehow they started they couldnt verified my information and closed all of my accounts. I have tried to call so many times to request to speak with someone in the United States and I get nothing by ride people. Nobody is able to help me or able to provide further information. They continue to report this accounts to my credit file as negative hurting my credit. I need someone to call me and fix this issue. Someone from the United States. You are ruining my credit.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-01-22
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. (KY)

I have had a freeze on my credit and am still getting notifications of my credit being pulled for different companies and offers. I have tried to get inaccurate information removed to no avail. I have tried to get all inaccurate data removed from the bureaus such as negative items and all previous debt that has been paid.
Consumer complaint received 2023-10-22
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Mr. Cooper Group Inc. (TX)

I reached out to Mr. Cooper our mortgage company on XX/XX/XXXX to complain to them about their failure to report mortgage payment history to the credit bureaus since XXXX when the mortgage was transferred to them by Seterus the previous mortgage servicer. I have not missed any mortgage payments even though I went through XXXX XXXX, and it was XXXX in XX/XX/XXXX. This information was provided by the Bankruptcy court and the bankruptcy trustee to Mr. Cooper and confirmed by Mr. Cooper. 
However, Mr. Cooper has refused to update my mortgage payment history with the credit bureaus under the pretext that they required my Bankruptcy attorney to write them formerly and make the request to start reporting my mortgage payment history.

I informed Mr. Cooper in writing that the bankruptcy practice no longer exists and as such there is no way to get such information. Moreover, Mr. Cooper has a copy of the bankruptcy discharge letter from the Bankruptcy Court, so I don't understand what the issue is with Mr. Cooper refusing to report my mortgage payment history to the credit bureaus.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've never been late on my accounts. Remove all late payment entries 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  However they stated everything was complete and accurate. 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 isn't reporting correctly. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with XXXX XXXX credit reporting. I have evidence to prove my case The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate. Thank you for your assistance.
Consumer complaint received 2023-10-22
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)

I XXXX XXXX have noticed fraudulent inquiries listed on my Transunion XXXX XXXX consumer credit report. I did not apply for these applications of credit and not only this Transunion XXXX XXXX have ignored my requests to remove these from my consumer credit report. They have told me that inquiries are required to remain on my report for 2 years after the fact that I have notified them that these inquiries are not mine and that they are fraudulent! That is a violation of my consumer rights protected by the FCRA! Legally these credit reporting agencies can not bind me to fraudulent information on my credit report especially when I am requesting how they verified that this information belongs to me and the investigation procedures behind this! These companies have left my demands unanswered and it has been well over 30 days which is another violation of FCRA Law. I Demand these fraudulent inquiries listed in the attached documentation be removed from my consumer credit report at once!
Consumer complaint received 2020-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (UT)

CBE Group is reporting debts on my account that I do owe. I never received any phone calls or any written notice of this debt. I found out of these collections when I checked my credit. I immediately contacting them to verify & pay the debt if it was mine with no luck. They never answer the phone. It has been very stressful and difficult to communicate with them. They are in violation of my 30 day right to dispute, and this collections need to be removed off my credit.
Consumer complaint received 2023-10-22
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. (LA)

The information on my credit report doesnt belongs to me I would like the information removed from credit report. I filled a report through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$25.00} XX/XX/XXXX ( late payment ) TRANSUNION XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$25.00} XX/XX/XXXX ( late payment XXXX XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX Top Inquiries Creditor Name Type of Business Date of inquiry Credit Bureaus XXXX Miscellaneous XXXX XXXX  XX/XX/XXXX XXXX XXXX - XXXX XXXX Reporters XX/XX/XXXX XXXX XXXX XXXXXXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Miscellaneous XXXX XXXX  XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX  Finance other than personal XX/XX/XXXX TransUnion XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX  Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX  General Clothing Stores XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2023-08-24
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Specifically under 15 USC 1692c. 

I recently discovered that there are several outstanding debts on my credit report, which have been attributed to accounts with the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The details of these accounts are as follows : XXXX. XXXX XXXX XXXX : - Amount : {$2900.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : - Amount : {$2200.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX : - Amount : {$5900.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Amount : {$6400.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX I must clarify that I have no knowledge of these debts, nor have I authorized anyone to open accounts on my behalf. Furthermore, I have never conducted business with these creditors or incurred any debts with them. 
Under 15 USC 1692c of the FDCPA, debt collectors are prohibited from communicating with third parties about a consumer 's debt without the consumer 's consent, except under specific circumstances. Given that these debts have been charged off and are no longer active, I am concerned that my rights under this statute have been violated, as I have not authorized any communication regarding these debts.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the situation. Specifically, I ask that you work with the relevant creditors to remove these erroneous and unauthorized debts from my credit report as soon as possible.

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me if you require any further information or documentation regarding this issue.

Thank you
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In 2017 a credit card was opened fraudulently in my name with XXXX XXXX. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with XXXX XXXX since then with no luck even with a police report that I provided to them and added to my credit file with XXXX, XXXX, and TransUnion as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru XXXX XXXX, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in 2017 when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. XXXX XXXX said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit XXXX XXXX was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit file!
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments. Its existence is causing me significant distress, and I implore you to rectify this error promptly by removing it from my account