davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Removal of Closed Business Account from Consumer Report Dear Sir/Madam, I am writing to formally request the removal of a closed business account from my consumer report ( XXXX ), as permitted by the regulations outlined in the Fair Credit Reporting Act, specifically 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 6804, and 15 U.S.C. 6805. 

The XXXX closed account in question does not pertain to my personal credit history but rather belongs to a business entity. As such, its inclusion in my consumer report is inaccurate and misleading. Per the aforementioned statutes, it is imperative that consumer reports accurately reflect an individual 's credit history, and the inclusion of irrelevant business accounts violates this principle. 

I kindly request that you promptly investigate this matter and take the necessary steps to remove the aforementioned closed business account from my consumer report. Please provide confirmation of this action once it has been completed. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the above-listed contact information. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-05
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. (IL)

I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, & (  XXXX  )  XXXX   XXXX   XXXX  accounts  XXXX  opened  XX/XX/XXXX  with a balance of {$40.00} each.
Consumer complaint received 2016-11-30
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BMO Bank, N.A. (MN)

I have a duplicate charge from a XXXX for {$25.00} on XXXX/XXXX/16 and have tried to get it resolved with BMO Harris and the XXXX. Neither one is helping me and I do n't know how to get my money back!
Consumer complaint received 2024-02-22
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. (MI)

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 XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2021-09-13
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: FIRST PORTFOLIO SERVICING INC (TX)

Regarding CFPB complaint NO. XXXX. Over 4 months ago in XXXX, I attempted to reach out to Vervent regarding two tradelines. My letter was undeliverable due to Vervent 's negligence of not updating their contact information. Vervent closed the complaint stating that they can confirm and certify that the credit bureaus have their correct address. Vervent direct response to me, consumer XXXX was this : *******Our investigation found that we have received credit burau disputes filed on the XXXX XXXX account in XXXX and XXXX. In each instance, the account data was verified as reporting accurately and a replied was filed with the credit bureaus. 
We have reviewed the supporting documents provided and are unable to confirm if the documents which contain the address of XXXX XXXX XXXX were directly from a credit bureau agency. We can confirm that the phone number listed with that address is the phone number where we can be reached. Our new address was provided to each credit bureau agency, as requested by the Federal Credit Reporting Act. We have verified with XXXX, XXXX, and XXXX that they have our current address listed. ***** As of XX/XX/XXXX, Vervent did not thoroughly conduct a proper investigation. Vervent is still reporting the address to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX. Vervent is in violation of 15 U.S. Code 1611- Criminal liability for willful and knowing violation for certifying that their contact information is accurate despite otherwise. Exhibit # 5 is documentation generated by XXXX on XX/XX/XXXX of my consumer report. Contact information of Vervent more specifically the address is reporting XXXX XXXX XXXX after vervent certified that the FTC and the credit bureaus have their up to date address. I hereby demand Vervent produce the method of verification describing the steps conducted to verify that they ensured the credit bureaus have their correct address per FRCA 623 or to honor my previous request of removing both derogatory tradelines furnished starting in XXXX & XXXX for the failure of investigating due to undeliverable address and for furnishing inaccurate information and knowingly doing so. Attached is exhibit # 5, their response to me back in XXXX, and what Vervent is currently furnishing to XXXX as of XX/XX/XXXX.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NJ)

i took my car to a XXXX dealer in XXXX NJ back in XX/XX/2020 they told me that my sun roof drains were clogged and it was around XXXX i paid in good faith with the card the next day the repair was leaking into my car i returned the car the next day and they informed me that they were still clogged i paid XXXX and they didn't repair it. now i had water in the front of the car and the rear of the car the carpets were completely drenched they said that it would cost another XXXX to correct the problem and dry the rug. I said no way they said that the 2nd time the leak was fixed but the next rain day it was leaking again just like before. the car was taken back once again and it still leaked. i took the car back 5 times the last time the dealer had my car for one week. upon its return it still leaked. 
5 times and no fix to the problem plus i was out XXXX for repairs that were not fixed I notified the card issuers after this and even sent them the service receipts all 5 of them. 
The card co removed and then put back the charges 5 times it started in XX/XX/2020 and has been in dispute as of today now they put the charge back on my account and will not allow me to dispute it again.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

A Bank of America ( B of A ) credit card was opened in my name, it was a XXXX XXXX XXXX through B of A. I called B of A and they closed the account and put a block on the card as well. They also mentioned that an alternative address had been placed on the account, but could not reveal the address to me. I was told the next step should be to contact the FTC or CFPB.
Consumer complaint received 2021-09-13
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. (NV)

I have been disputing specific collection items that do not belong to me and I have no way to prove they do not as I have no accounts with these companies. XXXX and Experian stated they would not reinvestigate. These are still not my accounts or charges. 

I have had an identity theft reported in XXXX, XXXX and XXXX XXXX did reinvestigate and removed the accounts from my credit report.
Consumer complaint received 2020-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (TX)

On XX/XX/XXXX I noticed a collection had been reported on my credit report. 

The debt was reported by Tek Collect , Inc. on behalf of XXXX XXXX XXXX. 

I had one visit with XXXX XXXX in XXXX after which I heard and read reviews that they had a reputation for doing unnecessary XXXX  work, fraudulent insurance billing, etc. 

I moved to a different XXXX, though I settled my bill for my consultation and XXXX. They complied with transferring the XXXX and analysis to my new XXXX. I have emails showing all of these communications. 

Since XX/XX/XXXX, I have not received any communications, bills, phone calls, mail, or contact otherwise from either XXXX XXXX or any collections agencies. The first time I knew of this collection was from my credit report, which is a violation of my rights to understand what the bill is for, verify its accuracy and or dispute the collection. 

I called XXXX XXXX to try and resolve this but the company no longer exists. Tek Collect seems to only offer a sales website so the phone numbers look like they are for companies seeking collection services. 

I disputed the collection with XXXX  - they removed it from my report. However, XXXX  will not remove it.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (WI)

Chime refused to give me any information or close an account opened fraudulently in my name. Spent hours getting bounced around by their representatives. 

They refused to send me anything in writing that they would not impact my credit report. 

They refused to confirm in writing that they would be closing, or continue this account to exist. 

In short, they offered to do nothing, and refused to take any responsibility whatsoever.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VEROS CREDIT, LLC. (FL)

I purchased the vehicle from Veroes credit in XXXX of XXXX, paid it off in XXXX off in XXXX of XXXX. 
There is a note on my report showing that there was a repo in XXXX in XXXX of XXXX, the same day i bought the vehicle. 
I just want it deleted from my report. 
Still have not receive my title.
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (TX)

For the last past 6 months I have been filing back and forth disputes with all 3 credit brureau for a false collections from an apartment. I've also tried to contact the apartment complex for history of me owing, they never answered or sent anything to me directly. Didn't know I was falsely accused of owing anything until it was put on my credit background. For the following amounts of {$2100.00} and {$330.00} both apartments.
Consumer complaint received 2019-06-03
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 (TX)

I had an auto loan with this company. On XX/XX/2019, the car was totaled. Shortly thereafter, my insurance company ( XXXX ) paid the car off. 

I requested that the balance on the vehicle be updated at that time, and I was told it would not be done until the " end of the month. '' The balance wasn't updated at the end of XXXX nor the end of XXXX. The balance on the car according to my online account is {$240.00}. 

All 3 of my credit reports show a balance of {$17000.00} on the car.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AR)

Our mortgage was sold from XXXX  XXXX XXXX to Carrington Mortgage LLC. It has been a nightmare since then. They apparently applied our first payment to the wrong account because they state we have been behind from day 1. We never had any problems with XXXX. We signed up for autodebit on the XXXX and XXXX of each month. They would debit our account prior to those dates which meant prior to payday! Most people are paid on the first and fifteenth! Most recently, I lost a job which is our secondary income due to COVID. I work in XXXX  which all closed due to COVID. Carrington offered a Forebearance plan for 90 days which I applied for and they approved. Upon completion of the 90 days I was to be notified how to resume payments. My choice was to do a repayment plan which was one of the options they offered. I called countless times and they were to send me paperwork for a repayment plan. OR they wanted all 90 days payment upfront to bring the account to date. I seriously doubt anyone who's job was affected by COVID can come up with 90 days worth of Mortgage payments. I for certain can not. Now we have received foreclosure notice. What kind of company sends a foreclosure notice when someone is making the effort to establish a repayment plan?? I have read reviews on this company and they are doing the same thing to literally thousands of homeowners. Someone needs to stop them. We are in a pandemic. What kind of company threatens foreclosure during this time? Also, I have made two payments which they accepted in XXXX since the forbearance ended so that shows good intention on my part. Please advise. This company needs to be dealt with for how they treat homeowners. XXXX XXXX
Consumer complaint received 2021-09-13
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. (CA)

Back in XXXX ofXX/XX/XXXX, I submitted a request to remove a fraudulent account on my XXXX credit report of a XXXX XXXX Credit Card that I did not open nor did I sign any documents for. I never saw the account on my file until it became maxed out, then delinquent and then charged off. No explanation was given and this was opened during the massive XXXX XXXX fraud case and I suspected it was the case but when I went to complain to XXXX, they contacted XXXX XXXX and of course they updated or " Verified '' the account but never sent me any documentation as to why that would be the case. The Charge off on my credit report is completely fraudulent and was never opened with my persmission.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WI)

When signing up for this credit card, the terms signed had a clause about becoming unemployed. I lost my job and the credit card company refused to follow the terms that they had laid out. This resulted in being charged multiple fees ( incorrectly ). These fees had the effect of compounding to make the situation worse, with more fees coming about from the fees that shouldn't have been there to begin with. I have now paid much more than ever used, with a balance at the same place it was to begin with. I became unemployed again, and the company stated they would not follow their outlined terms for the unemployment, and my account was being closed instead. Most recently, the company started harassing my in-laws. Calling my wife 's mother and brother harassing them. My wife is not even on my account! I had this account long before I even met her. Simply put, not following their own policies, and harassing third parties trying to over-inflate what I should owe them, should be illegal.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NY)

I have been trying to refinance my mortgage for over 90 days. The mortgage provider has promised ( in writing ) a credit to my account which it is intentionally omitting from the closing document. The mortgage company has sent the closing documents with the wrong information on the closing date several times and in every time I am told the problem has been fixed an additional amount is added to the closing statement. The company is misleading regarding the stated changes in the closing documents which are normally sent on the day of the closing leaving very little time for review and change.
Consumer complaint received 2019-06-03
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: Experian Information Solutions Inc. (KY)

I have reached out to XXXX and experian about this issue 4 times now. 

US Dept of Vets is reporting incorrect information on my credit report. I have asked the credit bureaus 4 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect : No of Months ( terms ) - there was never an agreement! 

High Credit - This was not a loan! I never borrowed money from them. They OVERPAID me. then sent me to collections, even after they received their money back! 

Payment status - this is not a collection/chargeoff! 

Date Last Active I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.
Consumer complaint received 2018-07-01
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. (NY)

XXXX XXXX/XXXX XXXX reporting incorrectly on credit reports. On Transunion reporting lost or stolen card which was true, with XXXX balance and paid on time, which is true, on XXXX   reporting charge off last pay XX/XX/2013 and on XXXX reporting account transferred to another office and last payment XX/XX/2013.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is are several accounts reporting with the bureaus that are actually past the statue of limitations. They have been disputed several times as well as validation requested directly from the companies. The companies that did respond only sent a generic letter when actual validation as well as a payment history was requested! XXXX, TransUnion and XXXX are still reporting aged, unverifiable information. If the companies won't give me information when requested directly then they aren't giving the bureaus information either and that is because they are old accounts!
Consumer complaint received 2018-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Hello, On Monday XX/XX/XXXX, my employer-sponsored 401k account ( via WellsFargo ) was compromised when an unknown individual called in ( posing as me ) and successfully transacted a {$18000.00} loan ( sent to his bank account, via ACH ). Attached is a full timeline of events as I know them. 

My plan is called : XXXX Dollars & Sense 401k ( via Wells Fargo ). 

On Thursday XX/XX/XXXX, I noticed suspicious activity on my Wells account when I received a notification saying my login information had changed. This is when I called in, inquired about what was happening, and discovered that the loan was taken out days prior. 

I opened a case with Wells ( XXXX ), with their Retirement Services Fraud team. They are mailing me some type of " fraud packet '' to my home address, which I need to sign + return to them so they can initiate the investigation. 

HERE 'S THE THING : I also received a letter from USPS ( dated XX/XX/XXXX, which I discovered and read this morning ). It was a confirmation that my " mail forwarding request '' had been successful. So ... the person who stole my identity is also receiving my mail. Which will make it challenging to comply with Wells Fargo 's policy ... of opening this fraud case. 

Tomorrow ( Monday XX/XX/XXXX ), I'll be contacting USPS to clarify the mail theft issue. I'll also be sitting down with a detective at my local police station to go over everything that I know. I will also contact Wells Fargo letting them know about my USPS mail issue ... and see if they can send the fraud packet to a local branch.

I certainly do not have the " warm and fuzzies '' from Wells Fargo on this matter ... and I'm hoping the CFPB can assist me in securing my account + resolving this matter.

Thank you very much! 
-XXXX XXXX
Consumer complaint received 2021-09-13
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. (IL)

I tried to resolve this with Transunion but the company has failed to investigate this account that is still inaccurate, incomplete and unverifiable. 

On XX/XX/XXXX I sent a letter to Transunion in which they received it on XX/XX/XXXX about The Department of Veterans affairs account they are reporting inaccurately on my report. I sent the dispute letter to get it fixed because the information was not matching with the other bureaus. Transunion just updated the information but did not fix the error. 

I sent another letter on XX/XX/XXXX and they received it, on XX/XX/XXXX. In this letter I pointed out the inaccuracies but instead of doing a proper investigation within the 30 days. Transunion proceeded to make up a balance of {$2700.00} and then had the wrong close date on the account of XX/XX/XXXX. 

Frustrated I sent a third letter with no response. 


I sent a letter to the creditor Department of Veterans affairs, they said the balance was {$1900.00} and the close date was XX/XX/XXXX. They also proceeded to tell me to take it up with the CRA. When I tried to do that already.