davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing a serious issue concerning inaccuracies on my consumer credit profile reported by XXXX, XXXX, and TransUnion. Despite my diligent efforts to rectify this matter directly with the credit bureaus, the inaccuracies persist, and my attempts to resolve these issues have not resulted in the necessary corrections. 

I have sent detailed letters to each of the three credit bureaus outlining specific inaccuracies on my credit report. In my correspondence, I provided substantial evidence demonstrating that the information reported is incorrect. This evidence includes documents such as account statements, payment confirmations, and other pertinent records. Furthermore, I referenced the relevant consumer protection laws that mandate the correction or removal of such inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of their credit information. If the information is found to be inaccurate or can not be verified, the FCRA mandates that it must be corrected or removed from the consumers credit report. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] supports my case by stipulating that any information that is not verified within the prescribed period must be deleted. 

Despite this clear legal framework, the credit bureaus have not taken the necessary steps to correct or remove the inaccurate information from my credit report. This failure not only impacts my creditworthiness but also contravenes the consumer rights guaranteed under federal law. I kindly request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are corrected in compliance with the FCRA and that the credit bureaus adhere to their legal obligations. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these discrepancies. Should you require any additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX XXXX
Consumer complaint received 2021-02-25
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. (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 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft and have filed a formal identity theft report with the Federal Trade Commission ( FTC ) via identitytheft.gov. Despite this, two unauthorized hard inquiries from XXXX XXXX have been placed on my TransUnion credit report. These inquiries were made without my knowledge, authorization, or consent. The details of the inquiries are as follows : XXXX. XXXX XXXX- {$220.00}, dated XX/XX/2024 XXXXXXXX XXXX - dated XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681b ( c ), no entity may access a consumer 's credit report without permissible purpose or express consent. In this case, I did not initiate or authorize these inquiries, and they are a direct result of identity theft.

Furthermore, under 15 U.S.C. 1681c-2, consumers have the right to block fraudulent information from their credit reports when they are victims of identity theft. I request that these inquiries be immediately removed from my TransUnion report and that this fraudulent activity be rectified in compliance with the FCRA. 

I have already reported this identity theft to the FTC and am now seeking assistance to have this resolved swiftly.
Consumer complaint received 2021-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (MS)

FOX COLLECTION CENTER is reporting a medical debt that was paid by my attorney during a settlement with the original debtor. I have tried to get this removed thru the XXXX dispute center. Fox Collection Center responded that the debt was verified. They did not say how it was verified only verified. I have complaints from others that the Fox collection center goes out to an electronic bulletin board and purchase account without even verifying that these debts are still unpaid.
Consumer complaint received 2021-02-25
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. (LA)

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 2021-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I've asked for Capital One to validate the debt they say belongs to me on 4 different occasions & they've refused to do so. I asked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX for Capital One to validate the debt and they respond with a stall tactic letters all 4 times. As a consumer I am entitled to a validation. I have the debt validation letters I've sent them along with 4 certified receipts I've send them. I've even called them asking for it. I don't understand why Capital one is refusing to Validate the debt they say belongs to me. If it belongs to me then prove it. The burden of proof is on Capital One not me as the consumer.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc. (SC)

I processed a payment on-line through my card-issuers website for {$75.00} on XX/XX/2021. This represented 1/4 of my balance due. However, upon reconciling my checking account, I found that the card-issuer had processed my payment for the total balance due of {$290.00}. This was not my intent and their systems " default '' process is deceptive and fraudulent. The payment was made through TCI XXXX. Total Credit card. 
I promptly contacted my card-issuer and reported the error in processing my payment. I spoke to the C/S representative who neither helpful nor indignant and realizing that she could be of no help in the matter, I asked to speak to a " Supervisor. '' While discussing the questionable activity and the issues it had created, he said " I know exactly what happened. '' Then he proceeded to explain that with payments made on their website if Total  XXXX TCI 's system determined that funds to pay the entire balance were available, the system would default to the larger amount. This represents a classic case of deceptive billing, deceptive confiscation of funds through fraud. Not only do I intend to complain I want other consumers to know that TOTAL credit cards XXXX TCI Enterprises employs deceptive business practices at the expense and advantage of its consumers. If not to add insult to injury, the Supervisor to whom I spoke with the expectation of rectifying the issue, threatened that should I dispute the overage of the intended payment to my own bank, Total would charge me an additional NSF fee and others undefined and, by consequence, close my account and report the closure to all three credit reporting agencies as being closed by the card issuer. Since I was obviously of such minimal value as a customer to Total Credit Card company that I warranted such threatening remarks, I thought that you might be better suited to deal with this DISPUTE! I have disputed the issue with my bank, but they were less than reassuring. Please help me help you help other consumers!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

In accordance with the fair credit reporting act, this creditor Synchrony Bank has violated my rights- Under 15 USC 1681 section 602. It states I have the right to privacy. Under 15 USC 1681 section 604A section 2 - It also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666B a credit may not treat a payment on a credit card account under an open and consumer credit plan as for any purpose.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

So i applied for my stimulus check and the irs accepting it and i used my Cashapp routing and account info for direct deposit. The irs web portal says my direct deposit was scheduled to be deposited in my Cashapp account XX/XX/2020 and as of today XX/XX/2020 i still have not recieved it. Ive reached out to Cashapp via  email only to get automated responses which were of no help at all, also direct messaged and tweeted on their page Cashapp and Cashapp support via XXXX, and i get responses from their so called support but nothing that helps or even them tryin to do anything bout it. Ive also been researching this and this seems to be only Cashapp customers hvn this same issue and also not getting any help at all from Cashapp to resolve it. People are saying their account numbers changing overnight with their cashapp accounts that they dont ask for or do themselves. And i also found out that Cashapps app says they use XXXX XXXX  for their accounts and cards they send out to people but the stimulus direct deposits are not goin through that bank, theyre bein deposited into XXXX XXXX XXXX to Cashapp. And i was also supposed to be mailed another card a week or so ago but the card never arrived even tho cashapp app says it did, and when i reported it lost and requested for a new card, they say they can not send me another, yet, my stimulus direct deposit is supposed to go to that account and card. It doesnt add up and seems like cashapp is withholding my stimulus money and thousands of other ppls money or theyre just flat out stealing it. Either way its not right and alot of ppl hve lost their homes due to this, myself being one of those ppl. From what i understand, cashapp has 5 business days to deposit money or they start recieving fines, well, its been way longer than 5 business days. I just want my money and for cashapp to release everyone elses money theyre holding or for something to be done about it some other way. Im so irritated with dealing with Cashapps XXXX and almost ready to go to the darker side of the web and spend a lil money and let a hacker get my money bck for me, but im trying to do this the legal and right way first. Plse help. Ill provide whatever info yall request of me that i hve if it helps. Ty.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (IN)

XX/XX/2021 I received a direct deposit into my account for {$420.00} and when I try to access my account says it has been locked! I called the company and spoke with two different people one lady transferred me to the account protection office and they told me that my the account was suspended did not give me a valid reason other than that was suspended and that my direct deposit wasn't in there I have a text message telling me they received it and was available but I am not able to access it at all! They told me I had to write a letter to the headquarters in Florida and it could be 30 days, in these times of corona i don't have 30 days to hope they do something! Please help!
Consumer complaint received 2024-10-23
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. (FL)

I am writing to dispued account on my credit report that were made without my consent. According to section 604 of the fair credit reporting to section ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2024-09-02
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 2024-09-02
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: EQUIFAX, INC. (MD)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Equifax and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I have made a payment of XXXX towards the loan on XX/XX/XXXX. The lender notified me that I haven't followed the process and they will return the funds so that I can certify the funds and pay the loan. I was told funds will be returned within 24-48 hours and I have been calling since then to get an update on when my funds will be returned so that I can follow the process. Finally, they say funds will be on hold for 45 days ( 30 business days ), neither they apply to the loan nor return it back to me so that I can follow the process. I have asked them to give me a written confirmation at least and they have rejected. 

While my funds are with the lender I am paying interest on it,
Consumer complaint received 2024-09-02
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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2021-02-23
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report XXXX XXXX  Account XXXX XXXXXXXX Dear CFPB Representative, I am writing to formally lodge a complaint concerning inaccurate and unverifiable information that is currently listed on my credit report under the account XXXX XXXX  Account Number XXXX. This complaint pertains to the information reported by XXXX and Equifax. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am entitled to a fair and accurate credit report. I have noticed several discrepancies and errors in the way this account is reported across different credit reporting agencies. Details of the account information are as follows : XXXX : o High Balance : {$640.00} o Date of Last Activity : XX/XX/XXXX o Date Reported : XX/XX/XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$640.00} o Account Status : Closed, Collection/Chargeoff o Payment Status : Charged off as bad debt o Dispute Status : Dispute resolved; customer disagrees Equifax : o High Balance : {$640.00} o Date of Last Activity : XX/XX/XXXX o Date Reported : XX/XX/XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$640.00} o Account Status : Closed, Collection/Chargeoff o Payment Status : Charged off account o Dispute Status : Consumer disputes after resolution These discrepancies, particularly in the reporting dates and the account status, lead me to believe that the information being reported is inaccurate and potentially damaging to my credit score. Moreover, there are conflicting records between the agencies, which further supports my claim that the information provided by the creditor can not be verified. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that under the FCRA, you are required to recheck these items with the creditor who has posted them. If the creditor is unable to verify the accuracy of the information, it must be removed from my report.

Additionally, I am requesting that you ensure compliance with the 30-day reinvestigation requirement as mandated by 15 U.S.C. 1681i ( a ). Please remove any information that the creditor can not substantiate within this time frame. 

I trust that you will treat this matter with the urgency it requires and ensure that my rights under the FCRA are fully upheld. Please provide me with written confirmation once the inaccurate information has been removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-02-24
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: CITIBANK, N.A. (SC)

I purchased food products from the company XXXXXX/XX/XXXXon XX/XX/2020 and received the order on XX/XX/2020 ( five separate shipping boxes ). Upon opening the packages I noticed the food packaging had not been sealed properly with food scattered throughout the boxes. My first attempt to resolve this issue was on XX/XX/2020 and all future attempts to communicate with the business have not received a single response to me, I have attempted to email and call the company in question on multiple occasions. On XX/XX/2020, I opened a dispute with my credit card company ( the card I used to purchase said food products ) since they failed to honor their 365 day return policy, I also informed XX/XX/XXXX via email that I would be escalating this since I still had not received any contact from the company. 

Citi bank also refuses to refund me due to : " We have reviewed the information you provided regarding your dispute. We attempted to resolve this dispute with the merchant or their bank. They are unwilling to issue credit. Our investigation remains closed. '' I have even attempted to resolve this through the XX/XX/XXXXand have received yet again zero response from XX/XX/XXXX, they are clearly scamming their customers. 

Citi has a legal obligation to protect consumers against fraudulent companies and is unwilling to credit me a total of {$800.00} for the defective merchandise. XX/XX/XXXX XX/XX/XXXX needs to be investigated for failing to adhere to consumer laws and FDA guidelines due to improper packaging and not resolving disputes properly. Citi also needs to refund these charges immediately since this process has already taken nearly three months now.