davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to get all three credit agencies to remove both bankruptcies from agencies as they are inaccurately reporting. name is incorrect, dates are incorrect, person al details are all incorrect. I further contacted the Courts and they advised that they do not report to any agency. I contacted XXXX XXXX and they have refused update there information to reflect correct information by the court system. please assist me with getting these two bankruptcy reporting removed, or properly reported per the Fair Credit Reporting Act
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 bur
eaus 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 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (TN)

Hi, I stayed in a hotel ( XXXX XXXX XXXX XXXX ), XXXX for a night during my travel. Booked in XXXX XXXX for XXXX night XX/XX/ ( checked in at night XXXX ) and checked out XXXXMy charge was right from XXXX However I gave my credit card in front desk for security deposit. Later after XXXX days on XX/XX/, I was charged additionally for XXXX. I tried reaching to hotel and discover credit card to dispute the transaction. Hotel has very poor customer service and mentioned that they dont maintain records. Discover started fraud investigation and they mentioned that it was charged for different person ( " XXXX XXXX '' ) whom I DONT know at all. I tried explaining this several times and whether it was an intended fraud or a mistake from hotel, I lost my XXXX dollars. Discover customer care is very bad and they say since I am the owner of card, I need to pay though it is fraud. I tried escalating the complaint to check with hotel people how can they charge someone's stay without informing me. And I have proofs that I was in different city altogether and my card is with me on the date of transaction XX/XX/. But poor customer service and they are charging me. Please help and let me know if any further details are required.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (CT)

Approximately 2 weeks ago I received a credit card in the mail that I NEVER sought to obtain. The card is a Mastercard issued by XXXX XXXXXXXX XXXX and/or Genesis FS Card Services . I saved yet never activated the card choosing to ignore the mail as junkmail. Then today XX/XX/25 I received an payment statement from the same company for said credit card stating that I owe {$59.00} for the Annual Fee and Credit Protection Fees. I immediately called the company and stated that never have I inquired to have this credit card. They supposedly cancelled the card and told me to go to identitytheft.gov and fill out a complaint then either mail or fax them a copy once completed. Thru that website I was somehow steered here hoping for help with this matter.
Consumer complaint received 2023-12-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (IL)

The collection agency is trying to collect a debt they say I owe. I do not owe this. I would like verification in detail about the amount owed and how they established this amount. Proof they own the debt and the original contract of this debt. This is fraudulent. You cant just say someone owes a debt with no information to provide. I want this removed from my credit report and a cease and desist on any phone calls, any correspondence needs to go through us postal mail.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (AZ)

In the attachment is a copy of a check written to my employee on XX/XX/2023 and cashed by him on the same day but as you can see it did not post to my account until XX/XX/2023 can you please contact all parties involved XXXX XXXX XXXX and Chase Bank to find out what happened and tell me is this legal to wait this long to post a check? XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my company name and my Chase Business account.
Consumer complaint received 2019-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

This creditor is reporting negatively on my credit report. I send a debt validation letter and i received a print out on XX/XX/XXXX. The letter is not any verification of debt with this company, i sent a second letter on XX/XX/XXXX and i have never received any response back even though my letters were send certified mail. This Debt is for XXXX originally from XX/XX/XXXX.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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.
Consumer complaint received 2023-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo was contacted via the title company late XXXX for information regarding my current loan and a payoff amount. I am selling my home. Wells Fargo was made aware of this late XXXX. The title company then reached out to me mid XXXX to inform me that after contacting Wells Fargo to finalize details to pay off the loan that WF was transferring the loan to another party XX/XX/XXXX. 

I contacted WF as they would not provide my realtor nor the title company with further information or possible ways to resolve the issue. At this time I had not yet been notified regarding the transfer. I asked WF for a 24 hour delay as the payment was going to be submitted overnight the XXXX and received the XXXX of XXXX. They declined. They stated the check would bounce back and the buyer would need to wait 4-5 days before resubmitting to the new loan holder and that the pay off amount could change. 

I then asked when was I notified for this change, they informed me that hard mail was sent out on the XXXX ( received and dated the XXXX ). I have been checking my mail regularly and only received their notice yesterday. This falls short of the 30 day window to inform me of change in lender and has resulted in changes to the sale of my home. 

An email was sent to me regarding the transfer of the loan XX/XX/. 
Further documentation can be provided on request
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (OR)

I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (NC)

formally dispute the claim made by Central Portfolio Control , Inc regarding an alleged debt of $ XXXX on behalf of XXXX . After a thorough review of my financial records, I can confidently state that I do not owe any money to XXXX, nor have I engaged in any business transactions with Central Portfolio Control , Inc. 

Thank you for your attention to this matter. I anticipate your prompt response to initiate the resolution process.
Consumer complaint received 2023-11-13
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. (CO)

I have sent XXXX certified leters with no response to removed inquiries not reognized or authorized and still has inquuries listed XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  G XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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. (TX)

Remove XXXX XXXX off my credit report ..The information in incorrect. An employer ( XXXX XXXX ) was added to your credit report on XXXX XXXX, XXXX. Item is incorrect. Also On XX/XX/XXXX, you informed us that the missed payment from XX/XX/XXXX, on your XXXX XXXX XXXX XXXX account is inaccurate. is incorrect. ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (PA)

I XXXX XXXX Notice some unauthorized inquiries appearing on my credit reports I have listed the inquiries below and some supporting documentation. 

1.XXXX XXXX  Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3.XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX 5. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX 6. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX 7. XXXX XXXX Date of inquiry XX/XX/XXXX 8.XXXX  Date of inquiry XX/XX/XXXX 9. XXXX XXXX Date of inquiry XX/XX/XXXX 10. XXXX XXXX Date Of inquiry XX/XX/XXXX 11. XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/ XXXX  as a federally protected consumer I requested to opt out of any and all authorization I the consumer may have given written, unwritten, or non-verbal per 15 usc 6802.
Consumer complaint received 2024-04-23
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. (SC)

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 XXXXXXXX  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 2023-10-30
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

XX/XX/2023 XXXX sent an email stating that Capitol One initiated a Hard New Inquiry XX/XX/2023 I contacted XXXX and spoke to a representative. They don't know why a credit inquiry was initiated and suggested that I contact Capitol One directly. 
XX/XX/2023 I spent several hours calling two different phone numbers for Capitol One. I was not able to get through to a person to discuss the issue. 
Capitol One does not publish an email address. There is no information on their web site for issues with unauthorized Credit Inquiries.
Consumer complaint received 2024-04-23
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. (TX)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-05-11
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. (FL)

Hello, Credit bureaus keep disrespecting the laws. I showed them multiple times how they violated the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission. 

According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this ; please help me in this matter.
Consumer complaint received 2024-04-23
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. (NJ)

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 2024-04-23
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: EQUIFAX, INC. (DE)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (AZ)

XXXX  XX/XX/XXXX XXXX XXXX, I CALLED XXXX FRAUD VICTIM ASSISTANCE DEPARTMENT AND SPOKE WITH " XXXX XXXX ''. SUPPOSEDLY A SUPERVISOR. HE WAS VERY RUDE FOR STARTERS, HE ALSO REFUSED TO FILE A NEW DISPUTE FOR ME, BECAUSE THE COMPANIES HAVE FAILED TO RESPOND FROM XX/XX/XXXX. AFTER I EXPLAINED TO HIM I'M UNAWARE OF CERTAIN ITEMS ON MY CREDIT REPORT, AND THAT'S ENTIRELY TO LONG TO STILL BE WAITING ON A RESPONSE BY LAW. I THOUGHT I COULD FILE A DISPUTE IF I'M UNAWARE OR DON'T RECOGNIZE SOMETHING ON MY CREDIT REPORT. XXXX TREATS CONSUMERS TERRIBLE.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA (TX)

LISTED WITH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OPENED XX/XX/XXXX, FNB OMAHA OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX LISTED WITH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OPENED XX/XX/XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX LISTED WITH XXXX XXXXXXXX XXXX I OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OPENED XX/XX/XXXX, FNB OMAHA OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX ALL THE ACCOUNT LISTED I HAVE DISPUTED AND ALL THEY HAVE ALL REMAINED ON MY CREDIT REPORT, I HAVE REQUESTED VALIDATION OF THE DEBT AND COPIES OF SIGNED CONTRACT AND NON OF THEM HAVE COMPLIED. THE COMPANIES HAVE EITHER SIMPLY STATED THAT ITS VALID WITHOUT ANY DOCUMENTATION TO PROOF IT. I HAVE ALSO CALLED EACH OF THESE CREDITOR TO LET THEM KNOW IM THE VICTIM OF IDENTITY THEFT WITHOUT ANY HELP