davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX  bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy : Discharged XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

To Whom It May Concern, I am filing a formal dispute regarding significant violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information on my credit reports. I have discovered discrepancies and violations concerning a collection account listed on my credit reports with XXXX and XXXX. The account details are as follows : 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 Disputed by Consumer : Yes, with remarks indicating that the consumer disputes the account information on both XXXX and XXXX. 
I am bringing to your attention the following discrepancies and FCRA violations : * The original creditor is listed differently on XXXX and XXXX, which leads to confusion and inaccurate reporting. 
* The account status is reported differently on XXXX and XXXX, potentially misrepresenting my creditworthiness. 
* XXXX reports that the last status update was in XX/XX/year>, indicating a lack of recent reporting activity, while XXXX does not provide this information. 
* Both XXXX and XXXX state that the account information is disputed by the consumer, yet the disputes have not been resolved within the required timeframe, as mandated by the FCRA. 
I demand that the Consumer Financial Protection Bureau investigate these discrepancies and violations promptly. Furthermore, I demand the immediate removal of the collection account from all major credit bureaus if the inaccuracies can not be verified. This action is necessary to rectify the violations and ensure the accuracy of my credit reports. 
Thank you for your attention to this matter. I expect a swift resolution and the correction of my credit reports in accordance with the FCRA.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AR)

I am unable to reach Citibank regarding my stolen or lost Double Cash Card and to make payment. My call is being re routed and blocked. This is the second time my card has been stolen. I am concerned about the status of my account and securing a new card. I have put a feeeze on my account with experian. I have had multiple calls made to businesses such as XXXXXXXX XXXX XXXXXXXX XXXX XXXX, etc blocked and re routed as well.
Consumer complaint received 2021-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-31
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. (NJ)

This is my Follow-up 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 items 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 : XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXX XXXX  / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The payment history on the credit bureau report shows 30, 60, 90, 120, 150 days past due for XX/XX/XXXX through XX/XX/XXXX for my HELOC account. During that time, the account was on a CARES act COVID-19 Forbearance. In XX/XX/XXXX, the account was brought current by paying the entire forbearance. Under the rules of the COVID-19 forbearance, when the forbearance was repaid in XX/XX/XXXX, all of the previous months should reflect as paid on time. 

Under the CARES act, COVID-19 Forbearances must not be reported as past due as long as the account was current prior to the forbearance, which it was. A properly reported COVID-19 Forbearance must not have any negative impact to credit score. 

I have filed a dispute with XXXX, who in turn contacted my creditor. The dispute was closed with no change to the payment history on the account. The five months noted above remain showing past due on the credit report, which is incorrect. With the account brought current, they should reflect as paid on time.

As a result of this reporting error, my credit score has dropped XXXX points.
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (IN)

XXXX told me they have been trying to contact me for a month and sent emails, letter and phone calls. Today is the first notification recieved and it was a voicemail on my phone to which they left no information except that they were an attorney named XXXX XXXX upon returning the call no one named XXXX XXXX works there and they said it is a generic recording. I was also hung up on by several employees including the supervisor. I attempted to reach a settlement on the debt and they said there will be no settlement and they will be reporting to my credit. Threatening to damage my credit if I didnt make an immediate payment if the full amount they claim is owed.
Consumer complaint received 2021-06-09
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. (MI)

On XXXX XXXX i sent letters to XXXX, XXXX, Transunion stating pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report.
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (FL)

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include the listed accounts below that are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Consumer complaint received 2021-01-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX Account charged off. {$15000.00} written off. {$16000.00} past due as of XX/XX/2020. 
Phone Number Unavailable Public Record XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX fcra violations not accurate informations XXXX XXXX Collection account. {$1900.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XX/XX/XXXXXXXX XXXX XXXX, FL XXXX SINGLE FAMILY fcra violations not accurate informations XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, FL XXXX SINGLE FAMILYXX/XX/XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late fdca violations
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (CA)

I have been leasing cars from Kia for years. Recently in XX/XX/2022 I upgraded my lease and did not change any banking info. I was told my auto payments would still be occurring. One night I woke up to loud banging on my door. The repo guy was taking my car and he felt bad so he was notifying me to take out my kids car seat. I was baffled and had no idea why he was taking my car. He stated I missed a payment. I had no clue. I had put money down and also had kept my same banking info for the new lease. It affected my credit and I had to pay fines over {$500.00} to get it back. Kia would not provide any explanation as to why this happened nor would they take any responsibility. I received no notices prior and had no clue the auto payment ceased.
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intelliloan, Inc (CA)

Attempting to refinance the only mortgage on our only residence, we initiated a loan quote with Intelliloan on XX/XX/XXXX. After several rounds of negotiations, I agreed to a rate on XXXX and told the " Home Loan Specialist II '' to move forward. Not using the exact words " Please lock in my rate '', I said " Let 's do this ''. Anyone reading the string of emails will recognize the intent to lock in a rate and start the funding process. 

On Monday XXXX I followed up in an email asking for confirmation that Intelliloan had everything and we were good to go. By the end of the day I rec 'd an email stating my loan had been started. 

On Thurs XX/XX/XXXX I rec 'd an email stating that I had not submitted paperwork. I let XXXX know that, as they indicated, they sent the package out XXXX Mon, I didn't receive it until Wed XX/XX/XXXX. The package came Wed evening, my wife was out of town until Thurs night. We stayed up late Thurs night in order to complete the paperwork and scan before Friday XXXX. Friday XXXX we shipped the paperwork back and uploaded the docs into their portal, as well as email them directly to XXXX. 

From there I would check in with XXXX XXXX XXXX XXXX periodically and was told everything was ok. Except I got an email from XXXX on XX/XX/XXXX, which is now 9 days after I thought the loan started, stating there was missing documents. I provided a screen shot to XXXX to show the docs were there. 

Anytime there was a request for information, the information was immediately furnished so there would be no reason for any delays in funding. 

On Thursday XX/XX/XXXX I called expecting the loan to close in a couple days and wanted confirmation of such. Instead, I was told that there was no loan. The rate was never locked in. When I pushed XXXX said he could go back and give me a rate that would have been available around middle of XXXX, higher than the rate I locked in. After many phone calls with XXXX and he would check with his boss, check his emails, ect, all he would offer is the same thing, the middle of XXXX rate. 

I had to jump to another lender and start the process again. And with focus on that I put off writing this review with the intent to warn or help others with this company. I've learned that some companies have a practice of not locking in the loan when they should, and they gamble that the rates will go lower. So if you lock in a 3.0 % rate on Monday, the company may want until Wed to see if the rate comes down. If Wed the rate is 2.8 % they're not going to tell you, instead they will sell you a rate of 3 % while they pay 2.8 %, increasing their profits. With no proof I can only speculate that's what Intelliloan did. 

As I'm writing this I realize there's at least one complaint on XXXX for the same date XXXX with the same issue, the runaround until the loan doesn't happen. 

Please be warned and be careful.
Consumer complaint received 2023-03-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion stated that they have granted my request to remove an account identified as identity theft XXXX XXXX  and would send my results in the mail. TransUnion has not updated my account and has not sent me any results.TransUnion will be held liable for their inaction on this matter. I will be contacting the AG and sending my cfpb results to FTC. I have already make a complaint with the XXXX TransUnion is obligated by law to make sure all information reported is 100 % accurate and can and will be held accountable. Im demanding this information be deleted and Confirmation of the deletion immediately!
Consumer complaint received 2023-05-21
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 — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION (ID)

Since the beginning of XX/XX/2023, I have requested that PenFed update my contact number in order for me to log in to my account and submit payment for my auto loan. I have confirmed every little detail of who I am, what, when and how much past payments were, etc. They refuse to update my information and as such I can not login to pay. They want to charge me an additional {$5.00} for each telephonic transaction ( which I refuse because they are choosing not to grant me access to my account ) and I should not be penalized because they refuse. I have approximately 64 emails from XX/XX/23 through the present date in which I have continued to request my number be updated. They wont do it with out having a copy of my phone bill - which they are absolutely not entitled to. They say they can take a copy of my ID- they have it on file and they know that. I submitted it over two years ago and the info has not changed. This is ultimately going to end up with my car being repossessed or my credit being ruined ( and Ive busted my XXXX over the past 4 years rebuilding my credit ). To let a power hungry bank have the ability to ruin what Ive worked hard for is not right. It would take all but 5 minutes for them to provide customer service and update my number. Its going on 4 months. This is asinine and Im not budging when it comes to providing them with a bill they have no right to have. I literally run a household of XXXX people on my sole income. The car is the only means of transportation we have. This needs dealt with and they need to update my number. 
They respond with " we offer multiple alternatives for making your loan payments, including mailing a check or making a payment by phone. We will continue to report your loan payment history accurately to the consumer credit reporting agencies. '' All they have to do is update my phone number instead of trying to ruin my credit. They've dropped it over 100 points over the last few days and that absolutely infuriates me. I had online access. There's no reason I shouldn't be given access to my XXXX account. It's MY ACCOUNT! THEY'D rather destroy a customer 's credit than update a customer 's phone number after 4 months of asking. The worst company I've ever dealt with is PenFed.
Consumer complaint received 2023-08-07
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. (MD)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NV)

Dear XXXX/Bridgecrest. 
Account # - XXXX I XXXX XXXX, consumer and natural person, am aware of all my rights. Rights protected by congress under the Fair Credit Reporting Act ( FCRA ) In accordance with the Fair Credit Reporting act XXXX XXXXBridgecrest-  Account # - XXXX, has viol

ated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan AS LATE FOR ANY PURPOSES.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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