davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
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 was applying to rent a car today XX/XX/19 and when they ran my credit they told me that I was unable to rent with their company because I did not meet the credit requirements. I was confused so they let look through my credit report and I found several inquiries as well as accounts on my report that I never opened. None of those accounts or inquiries belong to me nor did I give anyone permission to open those accounts or make those inquiries with my personal information. I filed a police report regarding these items as soon as I got the chance ; I never benefitted anything from these accounts/inquiries that were opened in my name without my authorization nor do I have any relationship with any of the companies I listed. I did not take part in any payments, purchases or transactions involving any of these accounts.
Consumer complaint received 2024-03-14
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. (FL)

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. 
Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 15 U.S.C 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 by more than seven years.

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. 

The date of service is XX/XX/XXXX and also XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (VA)

On XX/XX/19 I sent a debt validation letter to Phoenix Financial Services LLC. On XXXX XXXX they sent back XXXX medical account statements with a XXXX balance further proving I don't owe them a debt. I called to tell them this and they said " oh well you owe this debt '' The documents I attach will prove that all accounts have a XXXX balance.
Consumer complaint received 2019-07-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (MO)

In XXXX I took out a HELOC through XXXX Bank. During the open period of the revolving line of credit XXXX Bank sold the HELOC to US Bank in around XXXX. US Bank in turn sold the HELOC to XXXX Mortgage in XXXX but failed to release their lien on my property for the HELOC. I have been trying for XXXX months to get this lien on my home released by US Bank. I have been approved for a new HELOC through another bank and can not close because a title search indicates that US Bank still has a lien on my property. I am getting nowhere with US Bank even though they acknowledge they have no records of my owing them any money.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2022-10-02
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. (NJ)

In accordance with the Fair Credit Reporting act. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 with out my written instructions. 15 U.S.C 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 by more than seven years. 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.
Consumer complaint received 2019-12-09
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. (TX)

I RECENTLY RECEIVED A LETTER ABOUT A XXXXXXXX XXXXXXXX DATA BREACH AND I WAS ADVISED TO CHECK MY CREDIT REPORT TO MAKE SURE I WAS NOT A VICTIM. I HAVE NO INTEREST IN CREDIT SO I NEVER REALLY CHECK MY CREDIT REPORT. I WAS AMAZED WITH THE DAMAGE THAT WAS DONE TO MY CREDIT. ALL THE ACCOUNTS AND INQUIRIES ON MY REPORT WERE NEVER AUTHORIZED BY ME NEITHER HAVE I EVER RECEIVED ANY TYPE OF SERVICE FROM ANY OF THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT AND I HAVE ALREADY REPORTED THIS CRIME TO MY LOCAL POLICE DEPARTMENT. THEY ARE CURRENTLY INVESTIGATING AND ADVISED ME ON THE STEPS TO DO NEXT. 

THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT IS AS FOLLOWS : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

After turning off my auto pay twice, XXXX XXXX turns it back on And fraudulently took a XXXX payment out of my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX.  XXXX XXXX also did this on my XXXX credit card after I turned auto pay off.
Consumer complaint received 2022-12-23
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. (MI)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (GA)

On XX/XX/2019, PENN CREDIT CORP # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Reported me to the Credit Burea and placed me in Collection for {$130.00}. The collection didn't show up on my Credit report until XX/XX/2019. I immediately called PENN Credit Corp to ask what this collection was for. I recognized the Creditor but it was at a house in a state I don't live in. I live in XXXX Ga and the house is located in XXXX OH. Since I was already reported to the Credit Burea, I was not given a chance to dispute or validate the claim. Since the amount in question was small, I wanted to settle and move on. PENN CREDIT will not remove the collection from my Credit Report. This seems like a very unfair practice of reporting before the claim could be verified. 

XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-12-09
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. (NC)

XXXX  Credit report is reporting two mortgages from same lender, different addresses and balance amounts. Missing payment history for the month of XX/XX/2019. These two accounts reporting do not accurately reflect my credit report, as my debt to income ratio for a mortgage now doubles. Which would possibly make it difficult for me to obtain a loan or extension of credit currently. This is a violation of the Fair Credit Reporting Act. I wish to have this mortgage loan reported current, accurate and as one account not two.
Consumer complaint received 2019-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (AR)

The loan servicer was contacted multiple times ( by phone and by email ) regarding how loan payments are applied. My son and I are co-borrowers on his student loan. On XX/XX/2019 at XXXX XXXX, I spoke with an employee at University Accounting Service , LLC . ( UAS ), requesting that any additional payment above the monthly due amount on the account be applied to principle. Upon requesting a confirmation number, the UAS employee told me that no confirmation number is generated for this type of request. The latest statement that we received regarding this account indicated that the XXXX payment, posted on XX/XX/2019, was all applied to interest. UAS was asked to correct the XXXX transaction and ensure future payments are applied correctly. Upon receiving a statement dated XX/XX/2019, I realized that payments were not applied correctly and contacted UAS again. Their reply on XX/XX/2019 was : Dear xxxx, Thank you for contacting University Accounting Service. 
Until the rest of the remaining balance of the interest is paid off, then the rest of the payments that you make, will be applied to the principal amount. As far as requesting that you make the loan a principal payment only loan, you would have to call in and request that to be done. 
If we can be of further assistance, please call our office at XXXX. Representatives are available weekdays from XXXX XXXX to XXXX XXXX CST. 
Sincerely, Borrower Relations University Accounting Service , LLC . 

So I contacted them yet again, requesting that this matter be corrected. Their second reply on XX/XX/2019 was : Dear xxxx, Thank you for contacting University Accounting Service. 
As of today you have {$1000.00} of capitalized interest that has accrued on this account. Due to this being a line of credit and not a loan, there is no way to make a payment that applies directly toward the principle without satisfying the outstanding interest that has capitalized into the balance. That interest is now apart of your total balance and that total balance is now what the daily interest is accruing on and what has to be paid. 
If we can be of further assistance, please call our office at XXXX. Representatives are available weekdays from XXXX XXXX to XXXX XXXX CST. 
Sincerely, Borrower Relations University Accounting Service , LLC . 

As of today, this matter is still not resolved as UAS is refusing to correctly apply payment made above the payment due amount.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX XXXXXXXX Balance : {$27000.00}
Consumer complaint received 2019-07-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Default on mortgage due to cut hours and other bills to debt. No car, breaks went completely out. I support XXXX children. Cloths food, and a home. I just recently found out it is in a excursion situation. Who I believe to be there father. He has payed half mortgage, half phone bill and daycare. Including the MID, all which are under my name. He states he will not pay, and is now not wanting to help financially. I have received multiple scams on loans and mortgage, ways out. We have found electrical devices in the home. Which can be used for personal data. No one is aware of any out side devices. Which he has no legal rights to do. I have found in a shoe box hidden in the closet of a lot of financial debt. And I believe I have added items on my credit report. Because some of the names did not look familiar. Or I was not involved with the incident.
Consumer complaint received 2022-01-04
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: BANK OF THE WEST (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. BANK OF THE WEST item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( BANK OF THE WEST XXXX )
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXXXXXX XX/XX/2021, Equifax Mortgage Service XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 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
Consumer complaint received 2020-01-15
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: Clarity Services (TX)

Clarity Services Inc has 3 inquiries in my credit report when I tried to get a payday loan. It was never disclosed that I would get a hard pull prior to being approved for a payday loan. I have gotten them in the past with no impact to my credit.
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

I checked my credit and saw LVNV LLC has been reporting a collection since XX/XX/2019. I disputed this and requested debt validation, as nothing I have should be in collections. They ( the credit bureaus ) just sent me an email stating the debt was verified. Im not sure what they verified as they didnt share anything else with me as far as the method of verification. I was never contacted by the LVNV before placing this debt on my reports
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account # XXXX Name : XXXXXXXX XXXX  Date Opened : XX/XX/2023 Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXX Date Opened : XX/XX/2023 Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXX XXXX XXXX XXXX XXXX Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXXXXXX XXXX XXXX Date XXXX Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXX XXXX Date XXXX Credit Inquiry Resolution : Delete from credit report These accounts were added to my account and I did not authorize for these companies to be added to my credit profile. I have completed a FTC report and sent a letter to these companies about deleting these accounts from my credit report. These companies are in violation of the law. According to 15 USC 1602 ( p ) The term " unauthorized use '' in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1681-permissible purposes of consumer reports. ( a ) general subject to subsection ( c ) any consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my credit report. Please delete these accounts from my credit report.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ensuring payments are always made promptly on this account has been a priority, ensuring no instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2022-01-04
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: WELLS FARGO & COMPANY (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on WELLS FARGO BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( WELLS FARGO BANK XXXX )
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

on XX/XX/XXXX XXXX i contacted XXXX XXXX, they are the company collecting the debt for my capital one card. They gave me a settlement offer of {$180.00}. I paid {$130.00} on that date and the other {$50.00} on XX/XX/2019. The credit bureaus and capital one refuse to change the balance due to {$0.00}. They still have {$110.00} as a balance. I have a letter from XXXX XXXX stating this account has been settled in full.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XX/XX/XXXX recieved a letter stating capital one visa closed my account due to nonuse, however, my card had expired XX/XX/XXXX and they did not send me a new one. They also did not give me any advance notice so i could resolve the issue with them, and now they refuse to reinstate the card because it was closed XX/XX/XXXX. I believe this was unfair and i would like my card reinstated. They reported the account closed to the credit agencies. Thank you for your help. XXXX XXXX. XXXX. XX/XX/XXXX.