davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My XXXX lease for a vehicle, account was paid in full and closed XX/XX/2023. It is still showing up on all three credit bureaus as being a delinquent open account. I am not able to lease another vehicle with any dealership because they are taking a look at my credit history and denying me off of this XXXX account. I have all information showing that the account was paid off and it's supposed to be closed.I have contacted XXXX for 3 months straight and I've made numerous disputes with all three credit bureaus and nothing has been done. XXXX is acknowledging that the account is closed but nothing is being done.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet I feel like Im being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach in the past and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-01-07
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: CNG FINANCIAL CORPORATION (OH)

A company named XXXX XXXX XXXX placed a collection account on my credit reports for XXXX, XXXX, and XXXX. The amount stated as past due was {$970.00}. The claim for this debt apparently originated with a company called Check N Go which appears to be a pay day check cashing company. 

I am the victim of identity theft. The item I am disputing is not a transaction that I have made or authorized. I have never done business with XXXX XXXX XXXX or Check N Go in my life. Neither company has ever contacted me about any transaction or problem. I have never used a pay day loan and no check or electronic withdrawal has ever been submitted to my bank account by these companies. 

There is no way they would have a legitimate check or other financial document from me since I have never done business with them. Any signatures would be fraudulent and could be compared to my real signature. My tax return information was stolen in a hacking incident several years ago and someone attempted to file for an IRS refund in my name. The information stolen included a bank account number, but I closed that account after that incident. 

XXXX did not make any changes to my credit report. They said XXXX XXXX XXXX said it was accurate information. The reviews by XXXX and XXXX are pending.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to address and rectify an issue that I have recently discovered on my credit report. After reviewing my credit history, I noticed that there are late payments inaccurately reported on my account. I understand the importance of maintaining accurate credit information, and I am seeking your assistance in correcting this discrepancy. 
Below, I have outlined the details of the late payments that I believe have been reported inaccurately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX I have attached supporting documentation, such as payment receipts and bank statements, to validate that the payments in question were made on time. I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report promptly. 
I understand that maintaining accurate credit information is crucial, not only for financial transactions but also for my overall financial well-being. Therefore, I appreciate your prompt attention to this matter and request that the corrected information be reflected on my credit report as soon as possible.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 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 2023-02-17
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. (CA)

PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XXXX XXXX, XXXX, XXXX XXXXXXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2017-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NV)

Please help assist me with an account that is listed on my personal credit file which I have disputed and requested validation and nothing. This is an unknown account as I have never done business with a company called EOS and do not have any outstanding amount owed. Please help
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts 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 rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-30
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. (FL)

On XX/XX/XXXX I received an response from Equifax about a prior CPFB complaint. And their response did not solve any issues I am having on my credit report. Their response stated that I have not applied for credit, I have not used my credit in the last 10 years or I haven't been issued a Social Security card.This is another stall tactic that equifax is using to not remove the inaccurate information on my credit report. The incorrect items on my credit report is an account from XXXX XXXX XXXX in which they stated was verified but never sent anything to me stating what they used to verify it was accurate. Also an account name XXXX Bank that i have disputed several times. They also have incorrect addresses on my account. Equifax still haven't sent anything to me anything verifying these accounts. Also how come their response to my previous CFPB complaint they stated they cant find a report on me or because I haven't used my credit in the last 10 years, but can state these accounts were verified on my credit report with them?
Consumer complaint received 2022-10-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (IL)

This was a predatory loan from the start I paid for years high interest on this loan car was stolen insurance company paid just at XXXX XXXXXXXX for this auto not to mention I paid monthly payments for 2 years or more I explained to them that covaid pandemic hit job closed I was home to home and couldnt make payment they for far more than market value for this auto loan but yet made harrasings calls for months.showing their greed they could have easily forgiven the balance owed at the time XXXX  XXXX or so difference once insurance company paid them lump sum.
Consumer complaint received 2023-05-19
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: Atlanticus Services Corporation (CA)

In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-01-09
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. (NJ)

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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: EQUIFAX, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-16
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. (MD)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am writing about account number ending in XXXX at Bank of America , N.A . 
Bank of America has made repeated errors since XXXX. I have made numerous calls to request them to fix the problem, but the problems persisted. I am specifically referring to case # XXXX, case # XXXX, case # XXXX and case # XXXX. 

On XX/XX/2023, I sent a letter to completely explain the amounts paid and my estimate of their error in the amount of approximately {$540.00}. I had made the following extra payments which should have been applied to the principal : XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX on XX/XX/2023, and XXXX on XX/XX/2023 Because they failed to follow my repeated instructions, I sent another letter XX/XX/2023 explaining the following extra payments should be applied to the principal : XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX on XX/XX/2023, and XXXX on XX/XX/2023 According to their own policy : If you don't contact us or we don't receive written instructions from you, and you attempt to prepay more than one periodic payment, we will apply those payments to the principal balance of the loan. '' Thus they failed to follow their own policy repeatedly. First they should have applied as stated since they received the extra payments without instructions. They failed again after making calls to declare that those payments should have been applied to principal. They have failed to respond to either of my letters. 

The matter remains unresolved and I need assistance and advise to seek my rights as I feel I have had to spend too much of my valuable time reporting the bank 's errors in violation of their own policies and am concerned what other errors the bank is not handling.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint against your bureau for inaccurate and incomplete credit information. I am extremely distressed that the information included in my credit report profile has failed to maintain reasonable procedures and operations to assure maximum possible accuracy in the credit reports that are published. As per the credit reporting laws, bureaus are required to report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I request you to immediately re-investigate the following information as it is entirely inaccurate and incomplete, and as such, represents a very serious error in reporting : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$28000.00}. I respectfully request you to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-01-15
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. (FL)

I am a victim of identity theft. These items are not transactions conducted by me as the consumer. 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 2021-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

My chime bank account was hacked into like hundreds of other consumers. Someone transferred {$1700.00} out of my account through the pay friends feature. This was my entire paycheck which was direct deposited on XX/XX/XXXX and the transfer occurred on the same day. I had previously contacted chime about text messages that I was receiving about my account and they said not to worry about it. Now Im being told that I have to wait 10 days to see if I MAY be eligible for a credit. Until then, I have no money and when I asked to speak to a manager they disconnected the call. So far, I filled out an affidavit and emailed and faxed it back like hundreds of other consumers. I am unable to speak with anyone other than the person that answers the phone first when they decide to answer the phone. This is very frustrating because its as if they couldnt care less. After reading the reviews I read today, this bank should be closed down because this happens a lot in the same manner.
Consumer complaint received 2024-03-21
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. (CA)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-02-17
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXXXXXX Balance : {$5000.00} 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 2019-02-15
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: Experian Information Solutions Inc. (MO)

I am receiving an inquiry from XXXX XXXX XXXX/XXXX. This inquiry was not authorized by me. I have nor credit from this creditor nor did I apply for any credit with this creditor.