davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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: Block, Inc. ()

Hello. I am experiencing an issue with the company Square that facilitates credit card payments. I am the owner of a car repair shop, and I also sell wheels and tires. I received a call fromt a customer wanting to purchase a set of four ( 4 ) tires. The payment was made through the phone, the customer sent his driver 's license with a picture and adress, and then we proceeded to the payment using Square 's app. The customer provided a credit card number, expiration date and the 3 security digits in the back of the card. The payment was accepted by Square and went through. I ordered the tires, and as soon as I received them I called the customer to come pick them up. He picked up the set of four ( 4 ) brand new tires and went away. About a month later, I received a message from Square that this charge on the credit card was disputed by the cardholder. Square withdrew the money from my bank account, until the cardholder 's bank resolved the issue. 90 days later, I got a response from Square that the bank is calling the decision in their customer 's favor. I contacted Square, demanding an explanation how the bank took this decision, but they are not willing to provide me any details on the bank 's decision, nor which bank it is or what so ever. So how can I be sure that the bank really did take that decision? To me this looks very sketchy, and it looks like Square are not willing to provide any details because they are keeping the money for them, even if the bank made a decision to pay back the money. I am thinking that since Square are not willing to provide any details, the bank might have gave them back the money since it's their cusomer that did not protect his credit card information and Square are just stealing the money. Which is pretty much a theft. I would need your help to resolve this issue, since I have no idea who else to ask for help. Thank you in advance.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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. 


XXXX XXXX TRANSUNION 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! 


Update the late payments from my consumer reports
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (WA)

Timeline of US Bank involuntarily closing my checking account ( last 4 digits XXXX ). 

XX/XX/2021 - Deposited 2 checks in US Bank from my son in law, XXXX and my daughter XXXX. The money was proceeds from a sale of a house. 

Check amounts {$92000.00} and {$15000.00} Unknown date - Logged into US Bank to see if the funds were available and saw message Our system is temporarily unable to display this information. Please try again. 

Checks were returned XX/XX/2021 and {$38.00} return check fee. 

Called XXXX to see what was up with the checks and after researching it saw that he used out dated XXXX checks that had the old routing number on them. On XX/XX/XXXX, XXXX changed partner banks from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX Due to this partnership, the routing number was changed to XXXX from XXXX. XXXX didn't realize the checks had the older and no longer valid routing number. See https : XXXX XX/XX/2021 I went to the XXXX XXXX branch and spoke to XXXX XXXX to close the account and get the remaining balance of {$9800.00}. 

She said I could not close the account and the bank would close it and US Bank would give me my money on XX/XX/2021. 

She sent an email to the Deposit Risk department that only bank branches are allowed to contact She said to call the Fraud department at XXXX ( wrong number ). 

I called her to ask for the correct number. She said it was XXXX ( wrong number ). 

Called again and asked for the correct number which she finally gave as XXXX ( correct number ). 

She called me in the afternoon and said I needed to call my branch in XXXX XXXX, ID where I opened my account. 

Spoke with XXXX at XXXX. He said that the main office said he could give me the money but didnt know the exact balance so he refused. He had a rude attitude Called my son in law and asked him to call XXXX. He called him and explained that he was the one to make the mistake. XXXX offered to forward over documentation that his XXXX account had more than enough funds to cover the checks and the mistake was a routing number that had changed on this account. XXXX said he would look into it and call XXXX back. XXXX never called back and no more updates have been received by him. 

I completed a form on XXXX XXXX. 

XX/XX/2021 - XXXX XXXX XXXX XXXX called and said I should contact the Consumer Financial Protection Bureau and send him these details. 

I'm attaching the evidence : * Deposit receipt * Copy of one of the checks from XXXX 's XXXX account * 2 letters from US Bank " RE : A hold has been placed on your account ending in XXXX '' * Ledger from XXXX 's account showing his account balance had enough funds XX/XX/2021 the date of the deposit.
Consumer complaint received 2021-09-20
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: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-06-01
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. (IA)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX Bank account # 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.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

My credit reports states that I have not made a payment on my car lease for over 30 days back in 2017, when in fact my car was traded in for another vehicle and the dealer that took over the vehicle in question did not pay it out on time. Nevertheless, legally I I did not own that vehicle at the time of the payment default.
Consumer complaint received 2023-05-23
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. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report XXXX - XXXX - This is not mine - this belonged to a patient who is no longer living. Remove this from my report. - Please remove it from my credit report
Consumer complaint received 2023-05-23
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-17
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: Navient Solutions, LLC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX  XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-06-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SC)

This company is no GOOD!! This company is all about money and doesnt care about anybody elses well-being! Some of the reps are actually rude! 

I bought a XXXX XXXX XXXX  back on XXXX XXXX, 2020 and everything was going fine when I pay XXXX every month on-time for {$370.00} until Ive started having problems with XXXX XXXX and trying to setup a payment online. Last year when I got behind my payment no thanks to XXXX, XXXX calls me when Im on the clock at work. Im not gon na stop in the middle of what Im doing to talk to talk to them about a payment arrangement! Thats harassment! When they ask what my reason is for me not paying on-time, I tell them Im dealing with XXXX XXXX XXXX theyve been charging everybody to pay high energy bills. Im not lying! I also told two of the associates to please put that in their system so therefore they wont ask me the same question whenever I make a payment over the phone. When I wanted to make a payment with XXXX, XXXX XXXX turned the lights off at my house since I didnt pay enough and I was forced to pay more to get the power turned back on last year during the late fall and early winter time. This happened twice and it pushed me back even further. 

Now back on XX/XX/XXXX, I was making a payment with XXXX over the phone and this rude lady was asking me did the towing company get the car yet and I told her no. So then she wants to argue with me and was upsetting me even more since I was already having a bad day at that time. I told her we could go back and forth all day if we have to! Its also like theyre working against me rather than working with me. Its like they want most to all of my money to pay this debt off! They cant get what I dont have! At the same time, I have other bills to pay, food to buy, a mortgage to pay, things to get repaired in the house just as much as they do! Theyre not making things any better, theyre making things WORSE with late fees -- {$60.00}, then {$90.00}, and {$100.00}!!
Consumer complaint received 2022-04-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-05-20
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. (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 Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 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 2022-04-26
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. (TX)

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 Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account  # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I on XX/XX/XXXX reached out To Transunion advising that inquires that are unknow to me on my file. I ask them to investigate and provide me with documentation of the full resource of the investigation and forward such information. I have not received written proof and a description of how they conduct the investigation that proves these inquiries should remain on my credit file. I am requesting the immediate removal of these inquiries. I have attached the letter I submitted to Transunion. 

Accordance with the fair credit reporting act convergent account ( s ) XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights 15 USC 1681, SECTION 602A. States I have a right to privacy 15 USC 1681 SECTION 4A SECTION 2 : IT also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-04-26
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 TOOLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FC 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 of 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 furish 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.