davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (NV)

I had been trying to sign into my cash app account and was unable to for a couple days there was something wring with the app and was told they where working to fix it so when i was finally able to XXXX XXXX my account i noticed all these unauthorized transaction on my account and i knew my money wasn't adding up so i disputed all of the transactions and they denied them so i asked for documents and i told them once I receive them amd my money im going to close out my account because i have had to many priblems frim them so instead they send one document out of 12 close out my account and say due to suspicious activity that goes against there terms of conditions because i asked for documents and then when i oook att the documents it says a card was present a duh it was used without my permission its places i have never even been like XXXX XXXX all these XXXX transaction XXXXXXXX XXXX XXXX  XXXX took XXXX like i just wany my money then they send me a replace card then closed my account because i told them i eas going to report them sbd thats why they being investigated now there supposed to be banked by XXXX but its really square
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 U.S. Code 1692g ( Validation of debts ), 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), and 15 U.S.C. 1681e ( Compliance procedures ), all information reported on my credit report must be accurate, complete, and verifiable. Additionally, under 15 U.S.C. 1666b - Timing of payments, creditors must follow specific timing rules for payments to avoid wrongful reporting of late payments.

Moreover, according to 15 U.S.C. 1692d ( XXXX XXXX XXXX ), as implemented by Section 1006.14 ( a ) of the FDCPA, a debt collector is prohibited from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. I have experienced harassment from this creditor, including frequent and aggressive phone calls as well as threatening letters sent to my home. 
The specific inaccuracies I have identified include : XXXX. Account Number Discrepancy : The account number provided is inaccurately reported compared to other sources. 
XXXX. Account Status : The account status is inconsistent across different records. 
XXXX. Date Opened : The " Date Opened '' information does not align with the records provided. 
XXXX. Payment History : The payment history reported is inaccurate, and I am also facing harassment from the debt collector, including frequent phone calls and threatening letters sent to my home. 
Given these inaccuracies and the harassment experienced, I am requesting a thorough investigation into this matter and demand that all erroneous information, including the harassment, be addressed and corrected or removed. I expect written confirmation of the resolution within XXXX days of receiving this letter. 
Please be aware that if my request is not addressed within the stipulated time frame, I am prepared to take legal action to seek damages. As per the FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy on my credit report. Additionally, I may seek legal remedies for the harassment experienced under FDCPA regulations XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-24
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. (VA)

XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I recently reviewed my credit report and found an account that is inaccurate, and dont have a credit card for. I contacted the below creditors and they have NO proof I initiated such an account, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following account I dont recognized : XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (OR)

I entered a local US Bank branch this afternoon to pay the {$1.00} my account was overdrawn because of THEIR account fee, with CASH, and close my account. The teller took my {$1.00} in CASH and entered it as a CREDIT deposit instead of a CASH deposit and told me that she couldn't close my account because the " system '' wouldn't allow it as the CREDIT deposit is " pending '' yet my account balance is now $ XXXX!! The teller then informs me that " she'll write herself a note '' and get into my account TOMORROW and close it then. My CASH deposit of {$1.00} should have posted immediately, it is NOT a check and is NOT over whatever limit they have set on available funds after a CASH deposit. I have absolutely no confidence that my account will be closed and I do believe it is within my legal rights as a consumer to close out my account after making a CASH deposit that brings my account balance to $ XXXX! Contact was made with US Bank and I spoke to no less than five ( 5 ) human agents who continued to insist there was no one available to neither own responsibility for this issue nor access my account and close it down. In the meantime I am left in limbo with an open account relying on an employee who works for a banking institution that has screwed me over every chance it gets to close an account down for a customer who's information is now plastered all over a scrap of paper that could end up in ANYONE 'S hands. This is not the first fraudulent act they have committed with my accounts, but this will be the last. Now they have given me no choice but to file a complaint and pursue all legal remedies at this point. I want this account closed NOW or an audit of the entire institution and it's financial practices done. I have the right to close my account when my balance is $ XXXX, and made every attempt to do just that both in person in a branch and on the phone not more than an hour later with a total of six ( 6 ) different HUMANS today all lying to me telling me NOBODY can get into their system and fix the issue or close my account! I'm supposed to just sit here and wait while my account remains open with a XXXX balance for yet another HUMAN to keep not only my information on a piece of scrap paper safe but expect and rely on that same HUMAN to actually remember to follow through with this tomorrow?!?!? SERIOUSLY??
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NJ)

I had an Equifax product ( {$15.00} XXXX XXXX ) that included refreshed XXXX scores up to once a day, an Equifax credit report once a XXXX and XXXX bureau report XXXX. I called them to add my XXXX  to the plan and they removed the daily XXXX score feature without telling me that this would happen. I now pay {$20.00} a XXXX for a daily Equifax report and score and have to wait a XXXX  to get XXXX scores/XXXX bureau report XXXX Definitely not worth the money. I can get that for free. 

The call center tried to tell me that it has always been this way ( gaslighting ) until I had them go back into the system and acknowledge that they removed the daily XXXX score feature when I added my XXXX. I requested a refund and that has been pending for XXXX  now. I am certain it will never come. They have since removed the XXXX score feature from my original plan, but they can't take it away from existing customers unless they make a change of some sort, which is what happened to me. That's fine, but they have to TELL YOU. When a customer picks up on it and complains, Equifax lies about it. 

I believe that Equifax is engaging in illegal/unethical practices in selling their products. They do not disclose to customers exactly what features will be lost when they make changes to an existing plan. Calling the customer service number is a waste of time. They just stonewall and say, '' you will be notified once the inquiry is complete. '' My inquiry has been going on for XXXX. They are so huge and insulated they do not care if they lose XXXX or XXXX customers for the millions who don't realize that they are paying more for less.
Consumer complaint received 2024-09-14
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. (LA)

I am writing to follow up on my previous correspondence regarding the inaccurate information on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : 1. Account Name : XXXX Account Number : XXXX Reason for Dispute : XXXX has yet to furnish the purchase agreement/contract baring both human signatures of both parties Me & XXXX binding me to this contract. XXXX is also reporting positive on TransUnion & Negative on XXXX and XXXX. I have never authorized XXXX to obtain my information phone number, email and Address. This company has exerted countless violations that are effecting my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.

I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally,15. U.S.C 6802 ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of th
is title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXX/XX/XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXX/XX/XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXX/XX/XXXX 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-13
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account DEPT OF ED/XXXX, Account # XXXX 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 this account without my written instructions. I have not given ED/XXXX, EXPERIAN, or XXXX permission to publish this information on my credit report. I am in good standing with ED/XXXX therefore publishing my student loan information in my report is unnecessary and illegal. This has caused a negative impact on my score which has affected me with personal business I am conducting on daily basis. The removal of this information would be greatly appreciated. I am not denying my loan and will continue to be on good standing.
Consumer complaint received 2024-10-31
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: Experian Information Solutions 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 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am not asking your credit reporting agency to validate or verify any information from XXXX XXXX. I have already sent a notice of Validation according to 1006.34, XXXX XXXX has already sent me letters and statements from the original creditors they have bought the debt from. I am simply advising you that due to XXXX XXXX not being a creditor, they did not validate any debt according to 1006.34 ( b ) ( 2 ) ( iii ) 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement, or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. 
However, a statement or invoice provided by a debt collector is not a last statement for purposes 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also a creditor. 
According to CFPB 1006.2 Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 
I have already sent your agencies multiple documents and evidence showing proof that XXXX XXXX has not validated any of the debt according to 1006.34 b 3 i. Please follow the regulations that have been put in place for you to follow or I will have to seek remedy and file a lawsuit. 
Please look at the past complaints and documents I have already sent, do not request for XXXX to verify. THIS DEMAND IS STRICTLY FOR THE CREDIT REPORTING AGENCIES ONLY TO FOLLOW.
Consumer complaint received 2024-10-31
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. (MA)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.