davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting 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: EQUIFAX, INC. (LA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-09-19
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm submitting a personal complaint about late payments on my credit record. After examining my records, I've discovered these late payment entries. I sent letters about this issue more than a month ago, but haven't received any response or adequate validation. I'm now requesting your help to resolve this matter quickly and effectively.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (CA)

XX/XX/XXXX - I signed up for a TD Bank account online as a XXXX  resident. 

XX/XX/XXXX - I add XXXX account as an external transfer source and verified the trial deposit amounts from TD Bank successfully. 

XX/XX/XXXX - I try to make an external transfer to the XXXX account Item # : XXXX  ( redacted ) Amount : {$2500.00} From : TD Bank To : XXXX XXXX XX/XX/XXXX - I call TD Bank to ask why the transfer has not yet gone through ; they inform me that they require me to go into the physical location with proof of ownership of the other account. When I asked why the verification on XX/XX/XXXX was not enough, they were not able to provide a reason. I have moved out of state to XXXX, so I asked if I could go into the TD XXXX instead because there are no local branches. They replied that I needed to go in-person. Therefore, I have no way of getting money out of my TD account.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Upon reviewing my consumers report I noticed a few accounts that do not belong to me. I do not know who these companies are reporting and I haven't given my info to anyone. Here are the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-25
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. (GA)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my cThe existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.redit report.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX is reporting this information as a charge off Every month. 
A balance is being reported and a charge off can not have a balance reporting. 
The amount has been reported as a loss for each breauru. 
Equifax is reporting this as being payed as agreed this information is indeed incorrect
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-06-16
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: ALLY FINANCIAL INC. (IL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2024-09-25
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. (WI)

After reviewing my credit report, I noticed that I had a few accounts listed that did not belong to me. I am not sure how these companies got my information or how they are even reporting that I owe them anything. Here are the accounts listed below : XXXX XXXX XXXX Bal- {$7900.00} Opened- XX/XX/XXXX XXXX XXXXXXXX Bal- {$3800.00} Opened- XX/XX/XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX XXXX  XXXX {$220.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX **************** - XX/XX/XXXX 15 U.S.C , 1681section 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Request for Removal of " XXXX XXXX XXXX '' Account Under 15 U.S.C. 1681s-1 FCRA 605B ( 15 U.S.C. 1681c-2 ) In accordance with 15 U.S.C. 1681s-1, I XXXX XXXX XXXX requesting the immediate removal or blocking of the " XXXX XXXX XXXX / OFFICE OF THE ATTY GEN '' Account # ( XXXX ) from my XXXX, TransUnion, and XXXX credit reports. Under federal law, consumer reporting agencies are obligated to report overdue child support obligations only if the following conditions are met : The information is : ( A ) Submitted by a state or local child support enforcement agency ; or ( B ) Verified by a local, state, or federal government agency. 

The overdue child support must not predate the report by more than 7 years. 
The " XXXX XXXX XXXX / OFFICE OF THE ATTY GEN '' account on my credit reports does not meet these criteria, and I, therefore, demand its removal or blockage in compliance with the law. Please confirm that this account has been removed from all three credit bureausXXXX, TransUnion, and XXXXwithin the legally prescribed time frame.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2022-11-14
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: Resurgent Capital Services L.P. (MI)

I recently Filed a complaint # XXXX. I received a letter stating it was closed suggesting that someone filed it in my name which is not the case. I was the one who filed the case and I am filing another complaint as I am the person in the document. my name is XXXX XXXX XXXX XXXX, my email address is XXXX and my address is XXXX XXXX, XXXX MI XXXX. My Phone number is XXXX if you need to contact me. 

On or around XX/XX/2022, I received a notice of a lawsuit against me taped to my front door, from a foreign group of people, XXXX XXXX XXXX XXXX. Attorneys for LVNV Funding LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was the first formal contact and I have no knowledge of this group, nor do I recall entering a contract with said group. They are requesting payment of an old debt that, to my knowledge, no longer exists. They claim I owe the original creditor ( XXXX XXXX XXXX  ) who, by lack of evidence shows no debt owed! All XXXX has is an old billing statement. Pursuant to [ XXXX XXXX. XXXX ] I will need the Plaintiff to Validate the debt. This includes but is not limited to, producing the original contract with XXXX XXXX XXXX containing my wet ink signature, that shows we have a legally binding agreement to do business, ( i.e. MHC Receivable 's through LVNV FUNDING LLC 's involvement in the ORIGINAL contract with XXXX XXXX XXXX  ), along with all the accounting associated with the alleged debt.
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

On XXXX I tried to deposit a check from my condo insurance company ( XXXX ) to repair my damaged bathroom. It had been damaged due to a water leak and required extensive repairs. The check was for {$4200.00}. Its was made out to me and my wife as both our names are on the property. However San Diego County Credit Union ( SDCCU ) rejected the check as my wife is not on the account. She previously had a joint acct. with me but during covid her employer was closed. She is a teacher and her school was closed. Her acct. became negative, was overdrawn and closed. I paid off the fees and such and left my own acct. there. I offered to have us both come in and sign the back of the check. SDCCU refused. I then asked to speak to the XXXX. A XXXX XXXX XXXX XXXX and was told to wait. Then XXXX XXXX, a different SDCCU employee, came out and gave me XXXX card and said she doesn't have time to see you. You should leave. 

I then took my wife to XXXX XXXX  XXXX to open a joint act there so I could cash the check. I am still without a functional bathroom. They refused stating there was some issue with my wife and SDCCU so they couldn't open an act for her and I together.

This same SDCCU revoked my credit cad 10 years ago despite the fact that I was current and never missed or made a late payment. The same SDCCU denied my request for a mortgage against my condo which I had previously paid and and was free and clear with a value of {$900000.00}. I only requested $ XXXX for home repairs and they rejected it despite my being a member for 30 years. I soon obtained {$150.00} K financing from a mortgage broker which was shocked that SDCCU turned me down. 
They have also charged me numerous over draft fees despite my having sufficient funds in the account. 

SDCCU has lied and said they are there to service their members but refuse to provide me with good service and in fact have ruined my credit by closing my oldest credit card for no reason. Also by Refusing to service my financial needs causing financial harm and affecting my health as I am still without a functional bathroom. 

I believe that they owe me an apology and a credit for every time the charged me a OD fee when there were funds in m account. I believe that they are violating their own status as a credit union by engaging in practices that do jot meet the standard for being licensed as a credit union. 

I ask that their status as a member friendly credit union should be investigated. I believe they should refund me for the unfair OD fees, and also remove any negative reports which other credit unions or banks look at as I still can not cash the check and am still without a bathroom.