davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
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. (MN)

I submitted a XXXX XXXX request to a company, but they still failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (VA)

In accordance with the fair edit report act : XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX / XXXX account # XXXX has violated my rights. I don not know these companies. 

15 U.S.C 1681 SECTION 602A. 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 2021-06-07
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. (FL)

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX-2021. I Also sent out a demand a comply letter as well. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. So I demand for the item to be removed.

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reporting. I don't feel i am being treated fair.

Accuracy mean that all value are deem correct and Accuracy is measure of value.

Fairness means no one is taking unjust advantage of another. I fell they willfully and knowingly that they are reporting inaccurate information and committing fraud.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Its hurting my Confidence and i am the natural person.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (KS)

On XX/XX/2021, I requested that chime close the credit builder account immediately. I made the request via chat agent 3 times and then also on the phone. The account is still open and they continue to refuse to close the account.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

To whom it may concern : This complaint is in response to Equifax 's claim that the XXXX XXXX tradeline starting with account # XXXX reporting to my Equifax file has been verified in being reported by XXXX standards, 100 % accurately which it is " not ''. I have disputed this credit entry with this particular bureau over the last several months to no avail. I highlighted the fact that Equifax has been falsely reporting payments on this tradeline months after the account has been paid and closed out ; I received a notification today once again from one of the proprietary credit monitoring services for the new month here in XXXX reflecting another payment posting to an non-existent account. I attached the XXXX report to this complaint as example to show that the account has been paid and closed in XXXX of XXXX. The XXXX file still falsely reports the term on this account as " 81 '' months when it was actually 72 months ; but yet it shows the account status as " Paid, and Closed '' with a " 0 '' balance and no payments reporting after XXXX of XXXX. The attached Equifax reports, online and mail, printed report as well as digital, both reflect the same inaccurate information. Equifax reports the status of this account in XXXX of XXXX " Pays account as agrees '' which falsely reports the tradeline as being open, even though the account status reports the account as " closed ''. Equifax reports this tradeline as opened and closed simultaneously. On a tradeline that was paid off in XXXX of XXXX, Equifax reports payments being made in XX/XX/XXXX through XX/XX/XXXX. My XXXX report will reflect a XXXX payment once it updates. The Installment terms are also missing. How is Equifax able to gather all of this detailed information about this account without a term? They report this account as going on forever. The documents I provided all share the same account number across both bureaus as this is one account, yet Equifax reports conflicting inaccurate, unverifiable information and fails to update or correct the entry once being notified. " Do Not '' forward this complaint or my dispute to the furnisher. The legal counsel for XXXX XXXX during pre-trial in Federal Civil case, XXXX XXXX XXXX XXXX XXXX case Civil Action No. XXXX has already certified and provided documentation showing that their client did not initiate the reporting of the inaccurate information that Equifax holds in reference to my credit file.
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has been rejecting my privileges to open an account based on old, false and removed information from my credit files used by Banks, No majors Credit Companies, only XXXX. Bank has been using this  decision for over a year. My information was deleted more than a year ago. I strongly think Bank saves applicants information and decision for future reference without expiration or even an update. I've been denied 5 times in the past year and half by this Bank and I think their business strategies don't comply with Federal Regulations. It's not just for Checking accounts, I've been waiting over 12 days when I apply for credit card for a decision and even when credit score is high and everything looks fine I've been denied.
Consumer complaint received 2022-09-20
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)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-02-11
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: ERC (TX)

This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit. 

I never had a big bill like that one they are misleading people with please remove asap. Cease and desist immediately
Consumer complaint received 2021-02-02
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: EQUIFAX, INC. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2019-11-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After being denied a loan, I discovered that XXXX XXXX XXXX had filed a " derogatory '' status on my account in 2014 on a car loan I had paid in full. I filed a dispute with Transunion, and after three attempts XXXX XXXX XXXX finally agreed that the loan was paid in full and agreed to change that on the credit report but they never removed the derogatory status. I have filed again with TransUnion to find out why this is still on there, I have also written to XXXX XXXX XXXX, with no response from either one. Since the loan is paid in full, and my payment history with XXXX XXXX XXXX over the live of the loan is satisfactory, I don't believe a derogatory status is appropriate or warranted and I want an answer as to why that is still there or I want it removed.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (WA)

applied for a XXXX XXXX card. I was approved, and the agent, at the end of the call asked me if I wanted the " Account Assure Debt Cancellation '' on my card. If I lose my job etc, it pays off the card. I said no at LEAST 4 times, but she was relentless. Once she said that I would have to physically sign and return a letter to accept it, I said OK. When the letter arrived, I promptly shredded it. I pull up my statement today, and find on XXXX, they charged me {$3.00} for this, even though I never signed and returned the approval letter. I have tried to contact them and when I explain the problem, they say they need to transfer me, and then promptly hang up on me. It was also stated to me that if I accepted it, the fee would be 1 % of my account balance as of my statement date. the charge they put on my account is 1.9 % of my balance.
Consumer complaint received 2021-06-07
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. (MS)

On XX/XX/2021 I was notified by XXXX XXXX XXXX XXXX of my Denial status based on the information pulled from Transunion 's Credit profile of me. Upon, reviewing my letter I noticed a discrepancy with the reported Credit Score and My actual Credit score. I asked the XXXX if they could supply me with model of scoring or where this information was obtained. They instructed that I reach out to Transunion to gather that information. 

I as a consumer, know my rights when it comes to knowing what information can be disclosed to me about my credit profile and feel as Transunion is not reporting a real score and credit profile to the lenders that I do business with. 

I called Transunion and spoke to a Representative and Supervisor who both did not disclose to me the information I requested. But continued to insult my intelligence until I informed them, that I have their Credit monitoring service, XXXX XXXX, XXXX XXXX and have recently pulled updated reports. None, of the scoring models they gave me are a reflection of my current score for the last 12 months. I can prove it with screenshots and account information. 

I feel they are violating my rights to a fair credit reporting system to my lenders about what my credit worthiness is accurately.
Consumer complaint received 2018-02-10
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. (PA)

Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 



2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 



3. Date : XX/XX/2018 Dear XXXX FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer  that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 




I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, XXXX and Transunion. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 





Sincerely, XXXX XXXX XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX  cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
Consumer complaint received 2020-10-19
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. (CA)

Dear Transunion, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX   XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX   XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX   XXXX XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Consumer complaint received 2019-11-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS
Consumer complaint received 2020-01-26
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-06-07
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. (FL)

I have been disputing this account since XX/XX/XXXX. I first requested that XXXX XXXX XXXX to validate the debt and the simply sent a statement with a balance of {$140.00} which is not the balance that is reporting on my credit report nor is it sufficient proof that the debt belongs to me. I then took a closer look at the accounts reporting on my credit and it appears that XXXX XXXX has re-aged this debt the account reflects an inaccurate date of last activity it's reporting : XX/XX/XXXX ( TransUnion ) XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). On XXXX the account is reporting a past due balance on a collection account which is an error from my understanding a collection account is a past due account so I don't understand why there is a balance of {$440.00}. There is also a late payment of 120 days reporting which is also an error and collection account is a past due account and should not report late payment history. XXXX is also reporting a date of last payment of XX/XX/XXXX which is not reporting to XXXX or TransUnion.
Consumer complaint received 2020-01-26
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: Santander Consumer USA Holdings Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : SANTANDER Late Payment XX/XX/XXXX SANTANDER BANK NA Late Payment XX/XX/XXXX upto XX/XX/XXXX in XXXX Only XXXX XXXX Late Payment XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-11-15
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)

XXXX, transunion and XXXX has an account on my credit report that is not mine/inaccurate. 

account XXXX XXXX XXXX XXXX, this account is not mine and i did not give XXXX, trainsunion or XXXX my permission to report said account.nor was i notified that this account would be posted to my credit report.