davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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. (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. 


and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-10-29
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX  Bankruptcy Reference # XXXX has violated my rights 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 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 2023-04-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (PA)

Bank Check to buyout lease with Volkswagen Credit was sent XXXX..called numerous times to check status of title being sent and no reasonable explanation is given other than it resides w their vendor. I requested the vendor name and contact information and they would not release this information to me.
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (DE)

On XXXX XXXX, 2022 - received letter about transfer to new servicer. Letter said, " XXXX ( current servicer ) will stop accepting payments after XX/XX/2022, your new servicer, Lakeview Loan Servicing will start accepting payments received from you on XX/XX/2022. My account with previous servicer was on auto-pay to be paid on XX/XX/2022 and it was paid! When Lakeview was EXPECTING the payment on XXXX XXXX, 2022 there was no money sent to the new servicer. 
XX/XX/XXXX I tried to set up auto pay on the new servicers web site, I was told I could not because I was delinquent - what? I immediately called new servicer and was told I could not set up auto pay until I was current. And they did not accept debit/credit cards. Now I'm baffled ; upon checking my account there was money in there that apparently was returned to the account but I didn't know it! I called back and was told I could send cashiers check or money order ; since they don't take cards and I didn't have checks. Unfortunately, other items hit my account and I did not have all the money at this point ; when I finally paid XXXX in full it was XXXX ; and I had to pay XXXX in XXXX PLUS I paid XXXX in order to get caught up. XXXX 's payment was made on XX/XX/XXXX ; two days late. At this same time I finally set up the auto pay for the new servicer. In XXXX I received a notice that I was eligible to refinance ; after crunching the numbers this made sense for me ( after COVID, I was behind in some credit cards ) however Lakeview Loan officer informed me since I was late XXXX and XXXX payment I was not qualified unless the mortgage servicer ( MyLoanServiceLakeview ) *same company different divisions... they were under the assumption that RESPA would prevail, it did not ; and they submitted a escalated request to address the issue ; after two months of waiting they notified me I was technically late!! This is not fair! And I have 60 days according to federal law to get set up when being transferred. How is this my fault? I am seeking relief ( ability to put in application for REFI ) and an explanation of what went wrong here. XX/XX/2022 ( pay the old servicer ) XX/XX/2022 ( pay the new servicer ) simply does not make common sense. I don't know anyone with two months of mortgage payment lying around post COVID.
Consumer complaint received 2023-11-21
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)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-05-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 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 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a 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. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-08-30
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. (TN)

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 Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$3400.00} XXXX XXXX Balance : {$1600.00} t XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute inaccurate information on my credit report under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n. Upon reviewing my credit report, I found the following information to be inaccurate : - Account with XXXX XXXX - Account Number : XXXX XXXX and Experian are violating 15 usc 1681n for negligence and non compliance. XXXX updated and corrected the error and XXXX and Experian have not. 

According to 15 U.S.C. 1681n, any person or entity that willfully fails to comply with the FCRA is liable to the consumer for damages. I believe this inaccurate information has been included on my credit report either due to negligence or willful non-compliance, and I demand its immediate correction. 

I request that you investigate this matter, correct the disputed information, and correct it on my credit report. Additionally, I request that you provide me with a written statement confirming the changes to this inaccurate information and an updated copy of my credit report. 

Enclosed, please find copies of documents supporting my claim. These documents include highlighted inaccuracies. 
Please consider this a formal dispute and take appropriate action within the time frame required by law. Failure to correct this information promptly will leave me no choice but to seek all legal remedies available to me under 15 U.S.C. 1681n, including potential litigation. 

Thank you for your prompt attention to this matter. I expect to receive a response from you within 30 days, as required by law. 

Sincerely, XXXX XXXX
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. (PA)

On XX/XX/XXXX, I contacted XXXX XXXX on XXXX for the purchase of XXXX XXXX XXXX which was listed for {$150.00}. I offered {$130.00} with the delivery fee of {$20.00}. He accepted the offer and asked me to send the money through CashApp with my bank card. After sending the money, XXXX and I agreed to meet up on XX/XX/XXXX to retrieve my purchase. XXXX also provided his phone number. I messaged him to confirm his presence but he never responded. He soon left the XXXX group chat and deleted his account. Suspecting a fraudulent activity, I disputed the payment in CashApp as a scam. On XX/XX/XXXX, I contacted CashApp support to get a refund. The support team said the payment can not be refunded and suggested to contact XXXX XXXX directly. On XX/XX/XXXX, XXXX never arrived nor contacted me. I also filed a dispute on my bank on XX/XX/XXXX. On XX/XX/XXXX, the claim was denied.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX  never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Reporting information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them the place such information on my consumer report. Because my privacy rights have been violated, I am demanding the company block and remove the accounts from my consumer report not later than 4 business days after such information that I have provided. Inquiries : XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-09-11
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)

The account was opened to assist my family during the pandemic. I faulted on the loan due to lack of work. I contacted the company I was informed the account would be closed however they never closed the account and reported it late for 4 years. I settled the account with the company and the account was finally closed however the account is list as currently delinquent. This is hurting my ability to purchase my first home.
Consumer complaint received 2024-09-10
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. (DE)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 in ( MONTHS REPORTING LATE ) 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. 


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! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TN)

Cash app states they had a technical issue between XXXX XXXX and XXXX XXXX. I already submitted a complaint but they took more money out of my account yesterday and they are giving the same reasons why they are just taking various amounts. 
My account has had transactions cancelled by cash app since XXXX XXXX. They have cancelled the XXXX transactions and these cancellations total {$500.00} after I added up all the cancelled fees. I did not cancel nor request to cancel any payments and I have received every order I placed through XXXX and after every transaction, my account balance reflected the money I spent. At no time did I have a higher amount in my account. 
I have never been notified of these cancellations or the technical error. So far, cash app has taken {$190.00} since XXXX XXXX under the claim of technical issue. I have never received any emails about this issue. 
A specialist was supposed to contact me 3 -5 days ago, I have no emails from cash app support or a cash app specialist. None of the representatives will provide me with a list of transactions that were affected by the technical issue and they will not disclose how much more money they will be taking. I can not close the account until this is resolved because I won't have access to complete this complaint. 

I also can not keep track of how much they are taking because the notifications pop up as an updated charge and then go away, I was able to screenshot one of the notifications. The transaction was paid for XXXX XXXX, cash app cancelled it at some point without notifying me. On XXXX XXXX {$51.00} was taken out of the account. Again, I don't know how many transactions were affected but this is taking money that I am currently earning and now I can not pay my rent because cash app keeps taking money out of my account.
Consumer complaint received 2024-09-10
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. (FL)

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.