davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2023-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/2023 at XXXX XXXX I filed a dispute with Cash App/Block Inc. reporting a user that scammed me out of {$1100.00}. 

After researching the abysmal behavior of Cash App/Block Inc. in handling disputes, I initiated a dispute with my bank attached to the debit card used for the transaction on XX/XX/2023 ( XXXX  XXXX XXXX XXXX dispute ongoing ). Obviously, the required first step in initiating a claim with the bank is to try and resolve your issue with the original parties involved, which I did by contacting the cash app user as well as cash app. 

Cash app/Block Inc. informed me that they they had in fact denied my dispute directly with them on XX/XX/2023. 

According to the Electronic Funds Transfer Act Cash App/Block Inc. is required to provide my copies of the evidentiary documents utilized to adversely decide against my claim. Cash App/Block Inc. is refusing to do so, citing my bank dispute. In fact, my initial dispute directly with Cash App/Block Inc. are 2 distinct disputes & I am entitled to the evidence Cash App/Block Inc. used in their investigation ( if there actually was an investigation conducted ) to determine the adverse outcome against my claim. I want the supporting evidence relied upon by Cash App/Block Inc. to allow their user to steal {$1100.00} from me.

Cash App/Block Inc. supports bad actors because they themselves are bad actors.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

Good afternoon CFPB, Can you help me get FREE mailed monthly transaction statements, as government regulations require? 

I have a pre-paid XXXX card via XXXX XXXX a division of Webster Bank. 

They offer online access, but to utilize that access they state if : " you otherwise fail to keep your identifying information confidential, you are responsible for any resulting transactions from your Eligible Accounts, XXXX XXXX XXXX XXXX My identifying information ( Name, Date of Birth, SSN ) is no longer confidential, as it has been leaked by many companies, including XXXX. 
And Social Security prohibits changing my number unless/until I experience serious financial loss. 

So I can't meet the requirement of keeping my identifying information confidential. And thus can't utilize online access. 

And, if I want paper mailed statements, I need to pay XXXX XXXX {$1.00} each month. 
XXXX XXXX XXXXXXXX My request ; can you ask they follow the law and provide FREE monthly statements? Note, I don't want to give up any of my other legal rights when accessing/receiving my statements.
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtiss has harassed me since 2015 I have submitted information numerous times i had state covered benefits through california XXXX XXXXXXXX and XXXX of 2015 my family was moving from XXXX XXXX county to XXXX XXXX county California during the inter county transfer this bill was never paid. Done my due diligence on this matter however this has not ben resolved.XXXX XXXX county says they are not responsible although the date falls under coverage for that county. XXXX XXXX XXXX XXXX is the original debtor. This is the only debt on my credit report and should not have been in the first place. i have submitted proof of coverage and still this remains on my credit report. Trying to rebuild my credit at this time this is my only bad mark, on numerous occasions this matter has costed me from gaining credit. I have faxed info to XXXX I'm at a loss of how to resolve this issue Please help me remove this debt on my credit report.
Consumer complaint received 2020-07-08
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. (MS)

I sent multiple credit dispute with these companies asking them to investigate items on my credit report they are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Asset Recovery LLC (TX)

I lived at the XXXXXXXX XXXX XXXXXXXX XXXX between XXXX XXXX XX/XX/XXXX. 
The company claims I skipped out on my last months rent and did their walkthrough in XXXX, two weeks after the end of my lease. 
They claimed to have made attempts to contact myself and XXXX contact but no attempts were made. 
I emailed the office at XXXX on XX/XX/XXXX, giving my notice to vacate 60 days later on XX/XX/XXXX at the end of my lease. I have the screenshot and time stamp that proves my statement to be true. 
I was given no response. This was all in XXXX. 

This property The XXXX  XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX, Tx. And is managed by XXXX XXXX. 

Fast forward to XX/XX/XXXX, I receive a notification that a collection was opened in my name with the debt of $ XXXX from a XXXX party debt collection agency, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX alleges this account was opened XX/XX/XXXX. Almost 4 years after I moved out, XXXX XXXX sold a collection amount in my name to a 3rd party agency. 

I have reached out for a copy of my lease and move-out statement on two different occasions. Once back in XXXX, I called asking for a rental verification for myself and was rejected for reasons that can be disclosed by The XXXX XXXX XXXXXXXX XXXX. In XXXX, when I was working at XXXX XXXX, I called and sent over a verification for rental for myself from XXXX XXXX. They did not believe it was valid and chose not to respond. They claimed to have called XXXX XXXX  management to verify but had they called, they would have spoken to me. 

XXXX XXXX claims to have made attempts to collect this debt before selling it to a 3rd party agency but had they tried truly, they would have emailed the email ( my current email ) that I used when submitting my notice electronically ( I submitted a written one in person as well ). They would have also told me about it the times I called to speak about requesting a copy of my lease. 

They have refused to give me a copy of my lease for the last 3 years. Then after 3.5 years, they sell my account to a 3rd party collection and refuse to speak or communicate with me per their rules of engagement.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

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 has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-04-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (OH)

I have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. -15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. the accounts I am talking about are listed below : Delete all accounts immediately : Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Accounts : XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2022-07-31
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. (DC)

I called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX. The alleged creditor XXXX XXXX  is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information.

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX. EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file. 

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

When the account was first opened in XXXX of 2018 ( actual date unknown ) I was informed by the Sears credit representative, as long as I kept the amount at a certain level and paid off all charges in a timely manner, there would be no accrued, absorbent or incremental interest fees. With that in mind, I was very cautious about frivolous spending and making unnecessary purchases with this particular card. However, due to some Covid-19 related issues, I was compelled to utilize the card for many of the daily necessities in order to sustain my immediate and extended family. As a result of some unforeseen demands, I find myself in a distressing predicament due to over-extended use of the card. Nevertheless, there was no justification for the unreasonable increase in interest, even though I was forced to make a cash withdrawal to accommodate an overdue personal expense. Currently, I am in the process of attempting to pay off the entire balance due, bringing an end to this unfortunate nightmare.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Transunion, There is information reporting on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer. ( see attached )
Consumer complaint received 2020-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MS)

NCB Management Services continues to report inaccurate unverified information about me to XXXX XXXX & XXXX. I wrote the company, they received my letter XX/XX/20, and replied with a letter dated XX/XX/20. The letter stated that they were unable to substantiate the allegations in my dispute. I requested that they send me the Original Documents or Contract with my Signature on it verifying {$3500.00} reported debt with them. No requested supporting documents were included nor was original document/contract/substantiation referenced in the letter dated XX/XX/20. NCB not only continues to report unverified information to the 3 Credit Bureaus but they also report monthly late payments. ( Please note that I made 4 disputes XX/XX/20, XX/XX/20, XX/XX/20, & XX/XX/20 with the 3 Credit Bureaus all resulting in Dispute resolved ; reported by grantor remarks, no changes made, no deletes/no removal, and no supporting documentation received )
Consumer complaint received 2020-07-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (MD)

In XXXX of 2019, I took advantage of TD Bank 's promotion which offered customers that opened a savings account and deposit {$20000.00}, a {$300.00} bonus after six months. After the six month period expired, TD Bank refused to provide the {$300.00} bonus.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. 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 a account without my written instructions.

15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/XXXX to remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} Which are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX 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 XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-07-08
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 frustrated to know that my credit history has been compromised and targeted with false and inaccurate information that i have not consented to. I will need these false items removed immediately!
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.