davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
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)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 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 2024-10-15
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

After reviewing my credit report recently, I was surprised to find that the XXXX XXXX XXXX XXXX  changed my account status to current. 

I was never notified that it had been delinquent within the 30-day grace period or even after. When I looked at the app, nothing showed as delinquent, and it told me that I could pay early. 

I have previously received notice of delinquency shortly after it was late ( a circumstance arose from charges placed right after I had paid the whole card off ). Additionally, XXXX XXXX XXXX reported both the delinquency and the newly paid status in the same month, so I can guess there was probably some confusion on their end. 

If you look into my history with this card and bank, you will see that I have never had issues with payment in the multiple years I have been a customer.
Consumer complaint received 2024-10-15
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. (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2019-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CO)

On XX/XX/XXXX I paid off my student loan on line. It is through a company that doesnt seem to know whether its coming or going unfortunately. I went to their web site and paid off the total amount it gave me for an unsubsidized and a subsidized loan in of {$9800.00}. The website didnt like that amount it directed me to make individual payments for sub and unsub loans. I followed instruction and made a payment of {$6300.00} and then a payment of {$3500.00}, I received conf # on both transactions. On XX/XX/XXXX my parents found their account was over drawn and had a service charge of {$34.00} for returned checks. Naivet had taken all 3 amounts, the first total amount the site didnt like of {$9800.00} was withdrawn. Additionally the 2 individual amountswere also taken. They owe me {$9800.00}. They were very quick to put a mark my and my moms credit. They are incompetent when it comes to correcting their own mistake! Today is XX/XX/XXXX. I have called them5 times been on hold most of the day or on line there is never a real answer. Give it another week ...
Consumer complaint received 2024-10-10
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-10-12
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. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (UT)

I received a letter from American express on XX/XX/XXXX requesting information on people I had talked to in regards to the charge to my account from XXXX   The letter was dated XX/XX/XXXX. This is the first time I have ever received this letter.

I responded the next day XX/XX/XXXX by faxing this letter. American express closed my case without ever responding to me. That is very unprofessional.

American Express Dispute reference # : XXXX  Account ending in XXXX  Fax # XXXX Dear American Express Today I received a letter Dated XX/XX/XXXX advising me that you need to know the people I spoke with regarding the {$9000.00} charge to XXXX. Why Im receiving this letter a month and 2 weeks from the posted date I am very concerned about.

Here is the list of dates and names of employees I spoke to from XXXX. I have already submitted this information, but I will send it again. I could never speak to the owner, the employees shielded her from me. The calls to XXXX XXXX I demanded my money back because nothing was working the way the owners had explained. The software didnt work. The promises made by the owner was not happening. The wholesalers list was not accurate or complete, etc. etc. etc. She tried to apease me and talk me out of getting my money back because it was past the 3 days given by law to get a refund. I expressed to all the others that the system provided by XXXX  was not working. By XXXX of XX/XX/XXXX I gave up complaining and expressing dissatisfaction.

XX/XX/XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to be identified transactions. The identified transactions are not information related to any transactions by me as the consumer.
Consumer complaint received 2024-10-15
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. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2019-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

According to my last statement dated XX/XX/XXXX 2019 my total year to day overdraft fees are {$1000.00} plus one {$35.00} NSF fee. This is extremely excessive. My account is currently overdrawan {$400.00}
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was never late and they reported me 30 days late even after showing them the payment was sent in and on time. Capital one did this in the past to me as well and always refused to not report after showing and proving proof
Consumer complaint received 2019-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc. (NV)

I provided a written 30 day notice I was moving. And being that I lived there for 8 years maintenance was not willing to fix anything that was wrong. XXXX  has been informed to remove this account. I need them to remove fro XXXX  and XXXX. Thank you
Consumer complaint received 2024-10-15
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than 4 business days after the date of the receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are inaccuracies on my credit report involving 15 USC 16c-2. The inquiries mentioned were not authorized and are harming my credit score. I request the removal of all unauthorized hard inquiries. Thank you.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

On XX/XX/XXXX, at appx. XXXX EST, a call was made to IQ Data in an effort to obtain a settlement. The representative was so rude and condescending. She even went so far as to tell me that the client informed them that they are in the process of purchasing a home and since they know they have to pay this debt, they are refusing any settlement. She even threatened not to offer settlements and threaten not to delete the debt upon settlement. That is not the scary part. The most unnerving part of this ordeal was when I asked to speak with a manager, I was denied. The representative pretended to transfer me to a manager, kept me on hold, then disconnected the call. I called back, trying to speak with a manager and was denied and transferred back to the same representative. This time the conversation started off smooth. I was no longer trying to negotiate a settlement. I wanted to get a statement of the account to provide to an Escrow agent to see if they would approve paying for this debt for the client. Again, I was denied. I was threatened to be hung up on multiple times. I begged and pleaded to speak with someone else anyone else. The next agent came on the line and started off polite. However, she " lied '' and claimed the correspondence that I was asking for was emailed to me back in XX/XX/XXXX. I searched and advised it was not received. I politely asked for them to forward that email. I was denied. Finally, I disconnected. I was overwhelmed with anxiety, emotional grief and turmoil after dealing with company.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I couldnt believe it when I saw inaccurate accounts on my credit report this morning. I have no idea how they got there. I check my credit report regularly, and this time there were these random discrepancies. I even refreshed the browser thinking it might be a glitch, but it wasnt. The errors stayed there. Im really upset, and Im asking that the documents I sent be reviewed thoroughly so I dont have to go through this again.
Consumer complaint received 2024-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/year> Subject : Request for Removal of Incorrect Address from Credit Report To Whom It May Concern : I am writing to file a formal complaint against the credit reporting agencies TransUnion, XXXX, and XXXX regarding the inaccurate reporting of my address on my credit report. 

Details of the Complaint : Incorrect XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX My Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX have noticed that the above address is incorrectly listed on my credit report. I have never resided at this address, and it does not pertain to my credit history. This erroneous information is negatively impacting my credit score and my ability to obtain credit. 

I have previously contacted all three credit reporting agencies to dispute this inaccurate information. However, despite my efforts, the address remains on my credit report. I have provided all necessary documentation to support my claim, including proof of residence and identification. 

I am requesting that the CFPB assist me in ensuring that this incorrect address is removed from my credit report as soon as possible. I believe that the continued presence of this inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies maintain accurate information.

**Resolution Requested : ** - Immediate removal of the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX from my credit reports with TransUnion XXXX XXXX XXXX and XXXX. 
- Confirmation of the removal in writing. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-10
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)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2024-10-16
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. (PA)

This morning, I was stunned to see inaccurate accounts on my credit report. I have no explanation for how they got there, as everything was fine during my previous checks. I refreshed my browser several times to see if it was an error, but the accounts didnt disappear. As a result, Im asking that my documents be carefully reviewed to prevent me from ever worrying about this issue again.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (RI)

In XX/XX/2017 I made a payment of {$5700.00} on my HSBC Mastercard. This should have reduced the balance to less than {$3000.00}. Sometime in the Spring 2017 I was contacted by HSBC to inform that there was suspicious activity on my account. They promised to send me the details and dispute forms. Those never  arrived. I kept making payments on the account and in XXXX I made a payment of more than {$500.00}. HSBC is now reporting that I am delinquent and owe them nearly {$9000.00} on this account. Further, my request to have the payments held at {$100.00} per month until this is resolved was declined because " I was not in collections. ''