davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-09
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. (NY)

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. XXXX XXXX XXXX. I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.
Consumer complaint received 2023-08-09
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. (WI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-08-09
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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. (WI)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Child support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ID Analytics, Inc. (TX)

Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors on your reports are so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/year>. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. Any public records or collections should be gone if they show via the companies validation & awareness.XXXX  is the only one that has it all 100 % correct as of this date BUT even their Clarity service is completely off. Next will be a notice of suit & Remedy. This will be my final attempt and warning. Certified mail with tracking was sent as well as on-site updates.
Consumer complaint received 2023-01-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I was a member with XXXX XXXX and had two mortgages with them. Last year they sold our mortgages to our new provider Mr. Cooper, whom I have the issue with. Mr. Cooper has been charging me fees on my mortgage with no definition or purpose, and there is no way to see what the fee is for. When I reached out to Mr. Cooper last summer, they said there was one fee applied to my account for a payment I " missed '' in XXXX. I never missed a payment, but my payment got returned for non-sufficient funds which I promptly paid in full two days later when I returned home from a XXXX It was paid in full by the 8th, and no missed payment had ever been noted on my account. Looking into your definition for late fees, considering Mr. Cooper wasn't even the mortgage provider at the time, I do not believe they have the right to be charging me fees for this. Also, I will check my statement month by month to consistently see random undefined fees that I have no way of knowing what I am being charged for, where they are originating from, or why I am being penalized as I am an XXXXXXXX XXXX officer and am required to pay on-time all the time or I risk losing my clearance and my job. Mr. Cooper is a predatory service, and is taking advantage of us with no method of appeals.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-09
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. (GA)

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts. 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 investigate and correct for erroneous reporting in my file and are listed on my 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
Consumer complaint received 2024-04-20
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Incomm Holdings Inc. (CA)

Hi, I opened a XXXX XXXX account that offered a {$50.00} statement credit after spending {$50.00} at XXXX. I opened the reloadable card around XX/XX/year>. I've met the spend requirements on XX/XX/year> ( attached a screenshot of transaction history and monthly statement ). However, I've not yet received the {$50.00} statement credit.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of XXXX I requested an investigation into the CAPITAL ONE CREDIT CARD ACCOUNT ending in XXXX because the XXXX OF XXXX late payment on the item is not being reported legally. I have disputed this account several times with all three credit bureaus. Every time Im told this is verified with the data of furnisher. The furnisher does not matter because In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy and under 15 USC 1681 Section 604 Section 2 it also states a consumer reporting agency can not furnish any account information without my instructions. I have not provided such instructions and the account is reflecting several late payments. Under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove ALL late payments immediately!!
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I finance a car with Capital One Auto Finance, it was a XXXX  XXXX XXXX XXXX. XXXX was sued and loss for the faulty XXXX engine. I about the loan, they told me they can not take me to court or sue me for the remainder of the loan called Capital One for more information. 
I will like this account to be removed from my credit report.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OPORTUN FINANCIAL CORPORATION (CA)

My credit is showing the {$840.00} from an unknown creditor or collection agency by the name of XXXX XXXX XXXX and a personal loan from opportune/Progresso Finan for {$780.00} as closed that was an identity theft account that still appearing on account. Also, another account as XXXX XXXX in accurate missed payments.
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARTER-JONES COLLECTION SERVICE, INC (TX)

This dispute is for Carter - Jones of XXXX XXXX OR for {$510.00} and {$570.00} after fees. Account number XXXX. The collection agency violated the HIPA in getting information on the collection.
Consumer complaint received 2023-08-09
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SB Holdings, Inc. (NC)

Five years agoon XXXX XXXX, 2012, my wife ( a XXXX XXXX ) and I signed off on an installment plan loan with a XXXX XXXX  specialized lender, XXXX XXXX. The loan amount of {$7800.00} was to be paid back in 120 monthly installments over a period of 10 years. The interest rate of 12.5 % was set by the lender and presented to us as a fair deal. The monthly payments of {$11000.00} appeared to be an amount that my wife and I could afford at that time. The loan was presented to us by the renowned local XXXX dealer, XXXX XXXX XXXX, XXXX, in XXXX, NC. We did not receive proper counseling about the details of the actual interest payments versus premium payoff that we would face over the next decade. In all fairness, the total amount of expected interest payments was listed in the contract that we signed. My wife and I were sure that we would afford larger monthly payments than the required {$110.00}, and would therefore be bale to pay off the loan much earlier that the anticipated 10 year loan period. Unfortunately, we did not pay attention to the fact that the industry a-typically long duration of the loan would entail paying mostly interests in the first 5 years of the loan. Only today, and after many phone calls with the lender did we learn that a 10 year loan was highly unfavorable for our specific purposes, needs, and financial situation. Almost 5 years into the loan, we have already paid over {$6700.00} and still owe a {$5200.00} payoff sum. Had we been counseled more thoroughly, we would have certainly opted for a 60 month loan instead, and would by now almost have paid off the total premium and interests. The original loan details were made in bad faith and took advantage of our eagerness to buy a good quality XXXX for my wife 's career outlook as a XXXX XXXX.
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I got catfished by someone who convinced me to fraudulently wire transfer money first to XXXX where I bought XXXX, and then to XXXX where it was confiscated. See the attached for more details.
Consumer complaint received 2023-08-09
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)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$110.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$35.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$790.00} ; XXXX XXXXXXXX Balance Owed : {$690.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$810.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$35.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$72.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$5300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-08-09
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. (CA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding negative information, unauthorized charges on my credit card, incorrect information on my credit report, and deceptive practices by a debt collector. I have made several attempts to resolve this matter but my concerns have not been adequately addressed. I believe that the actions of Credit Bureaus are in violation of consumer protection laws, and I am seeking your assistance in resolving this issue. I have attached copies of relevant documents. I kindly request that the CFPB investigate this matter and take appropriate action to ensure that my rights as a consumer are protected. I am seeking a resolution that includes the removal of inaccurate information from my credit report. The following items need to be removed immediately : XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX  Balance : {$24.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$9100.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX ; XXXX XXXX CA ; XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX Balance : {$820.00}.
Consumer complaint received 2023-06-16
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$2800.00}
Consumer complaint received 2023-04-17
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. (NY)

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 investigate and correct for erroneous reporting in my file and are listed on my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (CA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX To Whom It May Concern, I am writing to follow up on a report I made around XX/XX/XXXX regarding identity theft involving the following account : Account Name : THE XXXX XXXX XXXX/MILSTNE  Account Number : XXXX Balance : {$2100.00} Date Opened : XX/XX/year> An account was fraudulently opened in my name, and I called to dispute this account, stating that I did not open it. 
During my call, I provided my correct information, and the representative confirmed that the information on the fraudulent account did not match mine. Before ending the call, I was informed that the account would be closed and investigated as a case of identity theft. However, I was not provided with a reference number or an account number for follow-up purposes. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting that this fraudulent account be removed from all of the credit bureaus immediately. Additionally, under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, I am entitled to protection against the fraudulent use of my personal information.

Enclosed is a copy of the police report filed regarding this incident. Please confirm receipt of this letter and the steps you will take to ensure this matter is resolved promptly. Additionally, please provide me with a reference number for this case so I can track its progress. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX Virginia XXXX, # XXXX XXXX XXXX, CA XXXX XXXX Enclosure : Police Report