davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc. (NJ)

In my cash app banking account I had XXXX in my account got XXXX XXXX of gas at XXXX  and the bank charged me XXXXXXXX XXXX causing an overdraft fee of XXXX cents ( yes i know its a low amount but this is wrong i feel for the people who dont know how to protect themselves from issues like this ) they then corrected the issue adding my money back and taking the correct amount for the gas purchase but also kept the overdraft fee and did not refund it. My card was later that night used for XXXX XXXX XXXX 3 times and they blocked the charges then allowed the same person same location to use it for XXXX this bank has failed to protect me. I will be closing my account once my work check clears so i can open an official walk in bank account.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a complaint against Credit Reporting Agency Transunion. On XX/XX/23, I pulled my credit report ( see partial attached ). I sent a letter to Transunion to dispute the inconsistent and inaccurate reporting with the Date Last Reported with 3 accounts ( XXXX, XXXX XXXX and XXXX ). 

On XX/XX/23, a new report was pulled, I sent follow up letters to Transunion and other bureaus, however, it was not until a closer review of the XX/XX/23 credit pull that I noticed the FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ) violations ( partial report attached. ) On XX/XX/23, I sent a letter to Transunion requesting these accounts to be removed as they were in violation of my rights per FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). ( See attached. ) Full credit reports for XX/XX/23 and XX/XX/23 were submitted along with proof of receipts with this letter. 

Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

FDCPA 807 ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

On of XX/XX/23, I pulled my report ( see attached ), and Transunion is still in violation. 

FYI- I sent the same request to XXXX and XXXX, XXXX XXXX  account were removed. The XXXX XXXX was not removed as XXXX did post properly that this account was disputed by consumer. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-09-06
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: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account XXXX : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : OFFICE OF THE ATTY GEN Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-08-08
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: 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. 

XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$23000.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 


XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 


XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$790.00}. 

XXXX XXXX of credit with account # XXXX opened on XX/XX/XXXX and a balance of {$6.00}. 


XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1400.00}. The original creditor is XXXX XXXX. 

XXXX account from Unknown with account # XXXX and a balance of {$49.00}. The original creditor is XXXX XXXX. 

I couldn't apply for a home loan because of all of these negative credit items on my credit report.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments. There should be no late payments on this account.
Consumer complaint received 2023-08-08
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: CITIBANK, N.A. (GA)

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual. 
( d ) Consumer Report ( 1 ) In general. The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681ml ; or a communication described in subsection ( o ) or ( x ).
Consumer complaint received 2024-08-23
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. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2023-08-08
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. 

XXXX  account with account # XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX  opened on XX/XX/XXXX and a balance of {$23000.00}. 

XXXX XXXX XXXX with account # XXXX   opened on XX/XX/XXXX and a balance of {$13000.00}. 


XXXX XXXX  account with account # XXXX   opened on XX/XX/XXXX and a balance of {$25000.00}. 


XXXX XXXX  account with account # XXXX   opened on XX/XX/XXXX and a balance of {$790.00}. 

XXXX Line of credit with account # XXXX   opened on XX/XX/XXXX and a balance of {$6.00}. 


XXXX Unsecured loan with account # XXXX  opened on XX/XX/XXXX and a balance of {$18000.00}. 

XXXX Charge account with account # XXXX  opened on XX/XX/XXXX and a balance of {$1400.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX  and a balance of {$1400.00}. The original creditor is XXXX XXXX. 

Collection account from Unknown with account # XXXX  and a balance of {$49.00}. The original creditor is XXXX XXXX. 

I couldn't apply for a home loan because of all of these negative credit items on my credit report.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

Hello my name is XXXX XXXX XXXX XXXX I have contact XXXX XXXX XXXX on more than XXXX occasion to inform them that I did not open this account in their system and on my credit reports., nor authorize anybody to. They informed me several times they could not do anything because my name didnt match with their name on file and address however it is UNDER MY SOCIAL. Which is a product of identity theft. I have ssigned XXXX contacts for this company. I have never opened any account or signed any contracts with this company. They say that the name stated XXXX XXXX and a Arkansas address which they then told me they sold it to LVNV funding AFTER I made them aware of the situation and I have tried to contact LVNV funding and again nobody can confirm anything because of the swapping of info to link to my social. I have multiple fraudulent accounts on my credit report in which I am facing the same issue. I have not lived in Arkansas since I graduated high school XXXX  years ago and enlisted in the XXXX. Please remove me out your system and remove from all XXXX of my credit reports as this account is FRAUDULENT and the prior company already knew this prior to selling then. And have now informed me they instructed the credit bureaus to remove the information. However they have sold the fraudulent account to another creditor. This is causing me an issue getting my military promotion and my housing. I have spoke with my lead in the XXXX and have been advised how to go about this before they get involved and hire an attorney for me. XXXX XXXX XXXX  has sent me a letter shifting the blame over to LVNV funding and releasing themselves from responsibility of this situation.

So now I am letting LVNV know through official communication with CFPB as a liason. Remove me out your system and any credit report information.
Consumer complaint received 2024-08-23
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. (AL)

I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had a late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following date XX/XX/year>. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-05-10
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-08
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. (UT)

accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-08-08
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. (CA)

ive recently checked my consumer report and noticed I had 3 unauthorized inquires that I did not give consent to pull my consumer report without my permission this is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to the fcra 15 usc 1681c-2-b ( blocking of information deemed fraud by consumer ) car must show information to the companies in questionI also filed a id theft affidavit as well in the attachments
Consumer complaint received 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

RE : XXXX XXXX XXXX  not recorded in XXXX. Clouding title. 

BORROWER : Redacted LOAN NUMBER : Redacted SUMMARY : We refinanced our home in XXXX through a XXXX ( combo loan ). 
1st & 2nd Mortgage with XXXX Bank, but THE PROBLEM : When the XXXX mortgage refinance was executed, the previous {$340000.00} Mortgage with XXXX XXXX XXXX XXXX was paid off ; however they never recorded a XXXX XXXX XXXX The property is now facing foreclosure auction, yet we have an Approved Short Sale. We are cleared to close EXCEPT that the XXXX XXXX XXXX Mortgage still shows up in XXXX XXXX as outstanding. 

In other words, they never filed/recorded that the property and public records shows 3 outstanding mortgages, 2 are correct, but the 3rd one is not. 

The Unrecorded Satisfaction of Mortgage in the amount of {$340000.00} with XXXX XXXX XXXX XXXX. 

Re : Originated in XX/XX/XXXX, Recorded in XX/XX/XXXX and then re-recorded on XX/XX/XXXX ( citing : This Mtg is being re-recorded because First Recording was prior to Deed into Borrower The above was : Recorded on XX/XX/XXXX, XXXX XXXX, Book XXXX, Page XXXX Recorded on XX/XX/XXXX, XXXX XXXX, Book XXXX, Page XXXX Paid off with Refinance on, yet Satisfaction of Mortgage = Never Recorded. 

XXXX XXXX has been contacted, but we are not getting any response from them ; and our Short Sale Approval is about to expire. Should it expire, they will NOT extend further the closing and will proceed with foreclosing on the property. 
WE NEED HELP!! 

Please contact us as soon as possible. Were about to lose the Short Sale and lose the property in a foreclosure auction.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I checked my credit report and I noticed some inquiries and accounts that was opened fraudulently and I file for an identity theft. Below are the accounts and inquiries that was opened without my knowledge XXXX XXXX {$290.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$360.00} opened XX/XX/XXXXXXXX XXXX XXXX {$2700.00} opened XX/XX/XXXX XXXX XXXX XXXX {$3400.00} opened XX/XX/XXXX XXXX XXXX XXXX {$19000.00} opened XX/XX/XXXX XXXX XXXXXXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} opened XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX  opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled Please fix the following accounts : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$60000.00}
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I got a call from USAA on XX/XX/23 about my account and they are still holding me liable for fraudulent mobile deposits on my account. They are taking my money and basically feel like they are trying to still put the blame on me. How am I suppose to know how security works? if someone was able to obtain account information or able to hack my account. from my debt card why am I still being held liable. They sent me a letter saying their was no fraudulent activity but still turn around and hold me accountable for this. I have already lost XXXX from them taking money from the withdraws that were made. They made me negative XXXX plus the extra XXXX that they are stealing from me. I don't feel safe talking to this bank no more and iv been a customer for over XXXX years. Why would I self sabotage my own bank account? I work XXXX jobs and I am extremely busy I make my own money. I don't need this extra baggage on me. Down below is a letter attached claiming they said their was no fraudulent activity so it made me assume they are fixing my account, but they called me and feels like they aren't gon na do anything about it and still hold me liable.