davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
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. (PA)

Thank you for responding to my complaint, I am disputing the findings from your Consumer Reporting Agency. Please note, 611 5 ( A ) which explains, Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 
Please advise who did your Consumer Reporting Agency speak to at the US Bankruptcy Court to verify, update, correct, or modify whether the bankruptcy listed on my credit report is accurate? I ask this question because my credit report explicitly states your company got the information from a third party ( XXXX XXXX ) and therefore it may not be accurate. Did XXXX XXXX  or your Consumer Reporting Agency travel or speak to the New Jersey Bankruptcy Court and verify, modify, update, or correct the information in person? If so, please include the documents showing the bankruptcy is in fact accurate, updated, correct, and verified including the entire docket showing this action based upon the law. 
Please explain how your Consumer Reporting Agency intends to modify the information in the bankruptcy filing. Can your Consumer Reporting Agency modify the information in the PACER Database that XXXX XXXX used? Can your Consumer Reporting Agency modify the information in the State, Federal, or Public records related to the bankruptcy? Per the US Bankruptcy Court, they do not modify, verify, or update the information for Consumers or Consumer Reporting Agencies. Please advise and share in writing the workflow and documents in place to open the docket to update, modify, verify dispute, and correct information on my behalf with the US Bankruptcy Court as a Consumer Reporting Agency.
Consumer complaint received 2023-03-25
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. (AZ)

So in XXXX I pulled my credit report and noticed 4 accounts in collections that I never had so I started reaching out to these companies and started the dispute process and identify theft process on my end. So 3 collections were removed from my credit report and the 4th company XXXX XXXX XXXXXXXX XXXX XXXXXXXX refuses to show actual proof that it's my account. I've faxed over everything from police report, ftc identify theft report, affidavit, etc showing my identity was stolen and I'm disputing. The only this they sent me was a bill from the company and they state that is there proof it's my account.. I called them 13 times and keep getting nowhere I've spoke with them and said how is a bill proof it's my account ofcourse there would be a bill that's why it's in collections to begin with that still doesn't prove its my account. The other collections companies were great with helping resolve getting these off my credit report but for some reason this 1 company keeps sending me bills only after I called to dispute the account I've told them it's not mine and they are not willing to work with me. Also I did reachout to the original card company XXXX XXXXXXXX and they told me my file is and has been set at fraud and identify theft and not sure why the collection agency is still reporting this as my account.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MO)

On XX/XX/2023. I had {$600.00} fraudulently taken from my cash app account. At XXXX XXXX and XXXX XXXX {$600.00} was taken out of my cash app account but they refunded it for my protection then again at XXXX XXXX {$600.00} was taken from my account and then that's a transaction go through they didn't protect me I disputed it I gave him my IP address on my device identifiers everything to show they're fraud department that I didn't make the transaction it was fraudulently done it was on authorized transaction I didn't approve it I didn't do it and I want my {$600.00} back. I made a complaint with the FCC with the XXXX XXXX XXXX and I'm making one with you I also made one with cash app and they pretty much denied my dispute on XX/XX/XXXX thank you
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

The following accounts were charged-off by the creditors & filed on my personal taxes ( 1099 C ) as income. Income is not credit. Therefore, the information is inaccurate/no longer valid and needs to be removed. According to the IRS, any charge-off reported by a creditor and filed as a loss, becomes income that the consumer must file as income ( 1099 C ). Income is not credit. Therefore, it is no longer accurate information. Any inaccurate information must be removed according to the FCRA.
Consumer complaint received 2024-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

On XX/XX/XXXX I submitted a student loan payment of {$98.00} to Edfinancial Services web portal for my monthly payment due on XX/XX/XXXX. The webpage informed me that any payment made by XXXX on XX/XX/XXXX would be accepted as on time. I received a confirmation email that my payment was submitted. 
I checked the website again on XX/XX/XXXX and saw that my payment was still listed as " pending. '' Unsure as to why, I paid another {$98.00}, thinking it might have not gone through the first time. Once again, I received an email confirmation for this payment. 
This morning, XX/XX/XXXX, I checked the website, which still lists both payments as " pending, '' and that my payment is " past due ''. Only one of the two payments has been charged to my bank account, and was only posted XX/XX/XXXX, despite me making the payment last week. 

Edfinancial has now listed my payments -- that they confirmed -- as " past due '' and has not responded to any of my inquiries to resolve this matter. I have emailed and used their online chat services to no response.
Consumer complaint received 2023-05-12
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. (LA)

In accordance with the Fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

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

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B : 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 2023-06-15
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Loancare failed to pay my property taxes as promised by their representatives. Now, I am charged with delinquent fees and the original property taxes. The representatives promised that Loancare will assist me with paying all of the property taxes, secured and supplemental taxes. The representatives promised that Loancare will use my escrow account to pay the taxes as long as I submitted the tax bills using their online portal before the due date. Loancare committed to pay all delinquent fees if they do not pay the tax bills on time. 

I sent in my tax bills using their online portal on XX/XX/2023. The due date was XX/XX/2023. I even received a confirmation email confirming they have received my tax bills. I did everything the representatives told me to do. 

On XX/XX/2023, I saw that my tax bills were not paid and I was charged delinquent fees. I spent over 42 minutes on the phone with Loancare. I was bounced around between at least 3 representatives before the last one finally made an escalation ticket. All of them repeatedly denied the commitments to pay for all submitted taxes and delinquent fees. 

I have till XX/XX/2023 to submit the supplemental taxes and delinquent fees Loancare failed to pay for me. I am requesting assistance from CFPB to enforce the commitments made by Loancare. 

They violated their financial commitments to me.
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (AZ)

I sent the credit bureaus a letter letting them know that there was an account reporting on my credit that is not mine. I was contacted by another company and now it is reporting under another name on my report. I never opened up any loan with this company and have asked the credit bureaus to provide any evidence whether signatures or anything. 


XXXX XXXX XXXX ( Original Creditor : : XXXX XXXX XXXX XXXX ) Account Number : XXXX Unverified account They has not responded to my second letters sent to them in over 5 Months. They have not provided any of the information I requested. This is inaccurate information that needs to be removed immediately.
Consumer complaint received 2020-06-15
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report. 

XXXX XXXX {$12000.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$9200.00}
Consumer complaint received 2023-05-12
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. (NC)

This is one of several attempts I've made to inform credit bureaus that I've been the victim of identity theft and that I want to check certain entries in my files that the fraud has left behind. The documents I'm looking at have nothing to do with any purchases of products or services or financial transactions that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ;XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXXXX/XX/XXXX.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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. (PA)

I am writing to formally request the removal of unauthorized credit inquiries from my credit reports due to documented instances of data breaches that compromised my personal information. Specifically, my information was compromised in the following incidents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result of these breaches, my personal information, including but not limited to my Social Security number, credit card details, and other sensitive data, has been exposed to unauthorized parties. This has led to fraudulent activities, including unauthorized credit inquiries on my credit reports, which were conducted without my knowledge or consent. 

I have attached documentation from XXXX and XXXX XXXX XXXX  confirming that my data was compromised in these breaches. I believe these unauthorized inquiries have had a negative impact on my credit score, and they should be promptly removed from my credit reports. 

I have contacted the credit bureaus directly regarding this matter, but I have not received a satisfactory resolution. As such, I am escalating this issue to the Consumer Financial Protection Bureau for further investigation and assistance. 

The unauthorized inquiries that I request to be removed are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documentation to proceed with the removal of these unauthorized inquiries. 

Thank you for your assistance. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (CA)

I have had an account in good standing with Grain for going on 2 years now. Recently the company plaid is no longer affiliated with my bank so grain no longer has access to my bank account. That meant I had to manually make payments rather than it being automatic. Grain reported me 30 days late in XXXX and XXXX. I was not late either of these months. I have disputed multiple times and Grain corrected XXXX but not XXXX. I made a payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I paid the account in full on XX/XX/XXXX. As of XX/XX/XXXX, I still have a 30 late payment for XXXX and Grain continues to report my balance as {$890.00} despite multiple attempts Ive made to request them to correct the balance and payment history. They are saying they wont correct my balance until mid XXXX which will be about 60 days after the balance was paid in full. I paid off nine accounts on the very same day as grain and grain is the only creditor refusing to correct my credit balance after being paid off. Please correct my credit as it has made it so Ive lost my account status with other companies for having a delinquent account with a high balance.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$8100.00} Open balance XXXXXXXX XXXX Original creditor
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

We used our Citi MasterCard to pay for a cruise to celebrate our 40th anniversary. That transaction was on XX/XX/XXXX for {$7200.00} ( the remaining balance after a deposit of {$1500.00} charged to the card when the cruise was booked in XXXX ). This transaction appears on our XX/XX/XXXX credit card statement, which we paid on XX/XX/XXXX. 

We were notified by the cruise line on XX/XX/XXXX that the cruise was canceled and that they would refund the entire cost of the trip. We called Citi on XX/XX/XXXX to check our balance and the credit balance of {$8800.00} showed up, so we waited in queue a long time to speak to an agent to request a refund of that balance. We were told that it would take 10 days to get the refund. 

When we had not received the refund in 10 days, we called on XX/XX/XXXX seeking the status. We were told it was " in process '' but under a 3-day hold. When pressed as to why it was being " held '', we were told it was due to the amount of the refund and " banking regulation ''. When we asked for a citation for the " regulation '' we were told to go online to read their " terms and conditions ''. At this point we requested to speak to a supervisor. We spoke with XXXX who told us the hold was done by another " department '' but she assured us the refund would be done by XX/XX/XXXX and verified the bank routing number to use to do it by EFT. 

When we checked today, XX/XX/XXXX, the credit balance is still in our account. So we called Citi again and ended up speaking with XXXX, who said the refund is still " in process '' and when I requested to escalate to his supervisor he said there was nobody available who could do anything for me today and to give it another 48 hours to show up. 

Our complaint is : 1. The length of time it is taking to receive this refund ( or did take since it will likely have been received by the time CFPB processes this complaint ). 

2. Being told there is a " banking regulation '' that prevents faster refunds of credit balances.