davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX. I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete XXXX XXXX from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2018-05-13
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. (MA)

During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted Trans Union. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help.

TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-22
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: MoneyLion Inc. (WA)

I was made aware of a fraudulent account opened in my name on XX/XX/2021. I immediately contacted the company ( Moneylion ) that the account was opened with, who advised me they would open an investigation into the matter. They advised me to follow-up with XXXX  as well so they could begin an investigation as well, which I did. I didn't receive any other communication from Moneylion, or advisement of the outcome of XXXX  's investigation. When I checked my credit report, I found that the account had been 'charged off ' which I thought meant it was taken care of. My credit score took a huge dive, but I thought it was because I had charged up my credit cards during my home renovations. Come to find out, Moneylion had been sending all correspondence regarding my claim to the person who had opened the account. I never received further communication from their company, nor did I know that this small load had gone into collections. Once I realized what was happening I called Moneylion immediately to work on getting the matter resolved. Communication with them was ridiculous as apparently their fraud department doesn't have phones. I have sent letters to all credit agencies explaining the situation in hopes to get this removed from my credit.
Consumer complaint received 2017-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have tried to contact this company at the address provided to get information regarding this debt. This company has not provided me with a proper mailing address. And this company is not license to collect in the state of Texas. I 've checked with the Secretary of State of Texas and they have no company with this name as a legit company here. So I ask that with the information I am providing that you demand this company to remove their derogatory and false debt from all of my credit reports. XXXX, XXXX XXXX, and XXXX immediately. this company is a fake.
Consumer complaint received 2021-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have a few concerns about inquiries on my credit report. Is it true that in order to pull someones credit report you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization?
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (CA)

I have a checking and saving account with XXXX XXXX and they are reporting all of my private banking information which includes my daily balances, who I wrote checks and what deposit that I make to a company called Early Warning Services. I have contacted XXXX XXXX over the phone and in a branch and know one is able to tell me anything about this company and how are there legally allowed to know everything about my checking information.
Consumer complaint received 2024-03-05
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. (CO)

Re : Dispute of Account Information - XXXX, Account Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to formally dispute the information on my credit reports regarding the XXXX  account, Account Number : XXXX. After careful review of my credit reports from TransUnion and XXXX, I have identified significant discrepancies that need to be addressed urgently to ensure the accuracy of my credit information. 

1. **Date Opened Discrepancy : ** - TransUnion reports the date opened as XX/XX/2019. 
- XXXX reports the date opened as XX/XX/2019. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT The conflicting dates of when the account was opened raise concerns about the consistency and accuracy of the reported information. 

2. **Monthly Payment Discrepancy : ** - TransUnion reports a monthly payment of {$190.00}. 
- XXXX reports a monthly payment of {$190.00}. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT Discrepancies in the reported monthly payment amounts suggest a lack of uniformity in the data provided by XXXX , which may impact my credit profile. 

3. **Balance Discrepancy : ** - TransUnion reports a balance of {$8200.00}. 
- XXXX reports a balance of {$8300.00}. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT The inconsistent reporting of the balance on the same account raises questions about the accuracy of the information provided by XXXX . 

4. **Payment Status Discrepancy : ** - TransUnion reports the account as " Late 120 Days. '' - XXXX reports the account as " Late 150 Days. '' -THE ACCOUTN IS MISSING FROM THE XXXX REPORT The conflicting late payment statuses on the same account across different credit bureaus create confusion and could have a significant impact on my credit score. 

Considering these discrepancies, I request an immediate and thorough investigation into the accuracy of the XXXX account information from TransUnion. I kindly ask that you delete the account information accordingly to ensure the accuracy and consistency of my credit reports. 

I appreciate your prompt attention to this matter and request updates on the progress of the investigation within the required time frame. 

Sincerely,
Consumer complaint received 2021-02-17
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: TRUIST FINANCIAL CORPORATION (AL)

SunTrust opened a bank account in my name in XX/XX/XXXX which has been determined to be fraud. However, the inquiry is STILL ON MY REPORT as LightStream and has NOT been removed. SunTrust Bank ( SunTrust ) merged with Branch Banking and Trust Company, a North Carolina banking corporation ( BB & T ) and the combined bank is now known as Truist Bank ( Truist ). LightStream is a division of Truist. I have asked XXXX to remove it, SunTrust has promised me that they would remove ANY reporting, but as of today XX/XX/XXXX, the inquiry is still there. I did not authorize it and I want it removed immediately or a financial penalty invoked. This is nearly 6 months later and the inquiry is still present. It took SunTrust several weeks to close the fraudulent account and STOP sending me statements as if I actually opened the account!
Consumer complaint received 2019-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I was reported to the credit bureaus as 30-days late, but the records I have of cleared checks from my bank shows cleared checks within the 30-day mark. When I talked to the representative today, she said that I have been paying the incorrect amount. However, I have not received notification that my payment amount has changed. What I usually do ( and what I believe most consumers who are busy with work and daily living do ) is looking at my " History '' online to see if there is anything wrong and by the way it appears online ( at least to me who is not a financial/accounting professional ) when I look at it every time, nothing seems to be wrong. 

The representative I talked to today collected {$150.00} plus a fee to make my account current. ( My life can be ruined by a {$150.00} amount ). When I looked at my checking statements, the checks were cleared by my bank. SO, it is hard to see the change in the payment amount, and I did not receive a clear notification by mail, email or even a phone call. That way, consumers can make sure we don't get reported to the credit bureaus which could be devastating for some of us especially for someone like me who is recovering from the recession and has worked long and hard to bring all my accounts current, and be reported for not informed of changes to my mortgage payments ( though, they keep sending computer-generated letters convincing me to either buy a new house or refinance ).
Consumer complaint received 2018-05-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

I purchased merchandise from XXXX XXXX  on their credit card, I thought. This was in XX/XX/XXXX. On XX/XX/XXXX I came down with very bad case of the XXXX. Missed time from work. My merchandise was no more than eighty dollars. However, the XXXX stayed with me with severe pain which I am still having even after 5 months. At this time I did not make a payment which I agree was wrong. However I started getting calls from a XXXX XXXX. They would call XXXX XXXX. until XXXX XXXX every hour, 7 days a week. This has been going on for months. I was going through bills which I had not paid. I found XXXX XXXX bill and made the check out for {$32.00} payable to XXXX XXXX which I mailed on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX  and they connected me to XXXX XXXX, because it was their card. I was not aware of this. So to this day XXXX XXXX said the check was not made out right. Should read XXXX XXXX XXXX XXXX   they have not cashed it. I did send another payment of {$37.00} dollars. They say I owe {$220.00} dollars. I feel XXXX XXXX   deceived me not telling me that the card was through XXXX XXXX. I offered to settle for {$120.00}. No response from either XXXX or XXXX XXXX. No checks were cashed and are sending negative reports to the Credit Bureau, saying no response.

Thank you for any help.

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-15
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. (TX)

On ( XX/XX/2022 ) I 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 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 and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-22
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. (AZ)

the following inquiries are not associated to me or any accounts on my consumer report and is against fdcpa and has been and infringement against my rights and has caused emotional distress upon me as a consumer with your company abusing my rights using unfair debt collection practices against me remove these inquiries asap the following inquiries are false and misleading and against laws 15 USC 1692 D XXXX XXXX  Inquiry from XX/XX/2020 Credit Union XXXX  Inquiry from XX/XX/2020 2020
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 Dear XXXX, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


1. Account Name : XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account NamXXXX : XXXX Account 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : DPT EDXXXX Account Number : 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 4. Account Name : XXXX XXXX Account Number : 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 5. Account Name : XXXX XXXX Account Number : 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 6. Account Name : DPT EDXXXX Account Number : 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 7. Account Name : DPT EDXXXX Account Number : 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 8. Account Name : XXXX XXXX Account Number : XXXX XXXX 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 Sincerely, XXXX XXXX
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

As a consumer we expect for large financial corporations to be fair and practice integrity. As of XXXX, I am still utterly disgusted with the customer service received from MOHELA over the past few moths. So many inconsistencies, and unclear information being passed around, that the level of trust is below XXXX right now. I've made complaints and they have sent me responses and letters regarding updates, BUT the messages have not answered my questions, or given me a satisfactory response. I have spoken to at least upwards of 15 reps, and no one has given me information that makes sense. Its not clear to me that any of the reps truly understand the PSLF process. Whoever looked at my complaint seemed very eager to close out the complaint and send send a response, that they disregarded my need to have a resolve. 90 percent of the reps I have spoken to are in training, which is very telling.
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation (IL)

By having my disagreements disregarded, I feel like I'm being taken advantage of. According to a XXXX search, an item will be immediately removed from my credit report if I don't look it over within 30 days. I suggest removing this entry right away. It's not my account, sorry.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Hello The XXXX credit card was closed by them they went out of business So why did they close the account? 
Its in good standing. 
Now my credit has taken a toll for it?? 
Please let me know. 
Thank you XXXX XXXX
Consumer complaint received 2018-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had a " XXXX Card '' over a decade ago. The account has been closed and inactive for over 10 years. There was no valid card issued in that time. There have been no statements received in that time until 2 months ago. Two months ago I received a statement through the postal mail from " Capital One XXXX Card. '' It showed a balance from charges made in another country. As far as I can recall I have never had a Capital One card but I recognized the " XXXX Card '' so I called to report the fraud. The individuals were less than helpful as they took my information and used it to setup another account and then transferred the balance to that account. No one could explain how an account that had been closed for over a decade and did not have a valid card attached could accumulate a charge. Instead they continued to ask for more information from me which is apparently being used to setup accounts. After I reported the fraud they sent another invoice with a new account number which still shows a balance and now has accumulated fees and interest. I have once again called. This time I was told they closed the account on XX/XX/18 but there is a balance still owed. They can see there was no card issued to the account but they claim the account was " inactive '' for a decade but not closed. Even though there was no card issued and no statements being sent they are claiming they left the account open for a decade. Even though there was no valid card issued to the account, no expiration date, no cvv code, somehow they are claiming that a charge was still made to a closed account and they continue to send me bills with accumulated late fees and interest.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello cfpb : I dispute an account showing on my credit bureaus and Capital One Bank refused to remove the account from my credit files. I have done everything there is under FCRA but no response from them and I was told they sold the account does not belong to me to a attorney and the attorney file sue on me. capital One insist it is my account and refuses to give me any proof the account should be in dispute status and showing documentation the account belong to me a they are claiming it.