davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have sent all three of the credit reporting agencies and XXXX XXXX XXXX, a letter requesting validation of the debt letter Under XXXX XXXX XXXX ( c ) and XXXX XXXX ( a ). I have sent XXXX, XXXX, and Transunion letters asking to validate the debt, not by simplifying accepting codes ; I request that the XXXX XXXX XXXX verify them. I have also mailed XXXX Resorts a letter, which was signed and dated XX/XX/23, and I have not received any validation letter within 30 days. I have sent proof to XXXX and XXXX showing evidence that the company has not validated any debt or sent me anything in writing. Both credit reporting agencies only sent me a code request for the XXXX time. The law clearly states that XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy. 
( a ) Reinvestigations of XXXX XXXX ( XXXX ) Reinvestigation Required ( A ) In general, subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 by paragraph ( XXXX ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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. 


You are now notified that you have violated XXXX XXXX XXXX, and this account should be deleted immediately ; the credit reporting agencies are not following the law given to the consumer or creditors to abide by.
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-11-16
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. (MN)

I notice unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

- 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 2023-11-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (TX)

They have called multiple times, during the day starting early XXXX all the way through last at night. They talk about getting me arrested, calls me names, spoke about XXXX things after I asked them to stop calling me, the lady told me I had no rights to tell them anything that I was a loser. 

I would really like to sue them for the harrasment, and making me feel like they have been making me.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2024-08-24
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. (FL)

I received my credit report recently and noticed a fraudulent account still appears. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within XXXX  days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : FCRA Violation Notice and Request for {$1000.00} Fine per Violation Dear Sir/Madam, I am writing to inform you of a violation of the Fair Credit Reporting Act ( FCRA ) and to request a fine of {$1000.00} per violation, as allowed under the FCRA. It has come to my attention that your organization has failed to comply with the provisions of the FCRA, resulting in significant harm to my creditworthiness and financial well-being. 

Upon reviewing my credit report, which was obtained from your credit reporting agency, I discovered multiple instances where the FCRA regulations were not followed. These violations have caused me undue stress, financial hardship, and a loss of opportunities. I kindly request that you take immediate action to rectify this situation and impose the appropriate fines as stipulated by the FCRA. 

I would like to bring the following points to your attention : 1. You have failed to verify the accuracy of the now deleted account, XXXX XXXX XXXX. You have continuously listed the account as open when in fact the account has been closed for years. You have failed me as a consumer, and you have repeatedly lied to me about the accuracy of this account. 

2. As a result of this violation, I have denied credit, paid higher interest rates, and have been denied employment opportunities. 

Under the FCRA, each violation can result in a fine of up to {$1000.00}. Given the number of months you have reported this account as open, I request that you impose the maximum fine for this violation. These fines are not only intended to compensate me for the harm caused but also to serve as a deterrent to future violations and to ensure that your organization takes its responsibilities under the FCRA seriously. 

I trust that you will promptly investigate these violations and take the necessary steps to rectify the inaccuracies on my credit report. Furthermore, I expect you to comply with the FCRA by providing me with a written explanation of the actions taken to address these violations and the fines imposed. 

Please be aware that failure to comply with the FCRA and address this matter in a timely and appropriate manner may result in legal action being taken against your organization, including the pursuit of additional damages and penalties as provided for under the FCRA. 

I appreciate your immediate attention to this matter and your commitment to resolving these violations in accordance with the FCRA. I expect a written response from you within 5 days of receiving this letter, confirming the actions taken to investigate, rectify, and fine the violations identified. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I got a phone call from XXXX on Saturday morning saying they were the CFPB calling on behalf of XXXX  XXXX XXXX where someone tried to open a credit card in California ( I live in another state ) using my name. He read the correct last XXXX of my Social number and my birthdate to me. I was suspicious and hung up. He called back on XXXX. He said he would remove the XXXX XXXX XXXXXXXX XXXX XXXX from my Transunion credit report and put a free " life lock '' on my Social Security number on my credit report and he also gave me a CASE ID #. I asked what that meant and he said whenever anyone tries to open a credit card with my Social, I will get a phone call. I again asked if this is free and he said yes. ( I suspect that I have unwillingly signed up for a credit monitoring service that I will have to cancel. ) He also said he was looking at my credit report and saw that I had several credit cards that were at their limit and delinquent. I said " yes there are ''. Then he said there is a 0 % debt settlement offer and did I want to hear it. I said " No ''. ( I think this is the real reason for the call. ) After the call I looked up both numbers on the internet and saw they were both ROBO Call numbers. I also looked to see if the CFPB will ever call me and I saw your answer saying " NO, the CFPB will never call you. '' I did not give any personal info. to this guy but he ALREADY had some of my personal info. I think that the most he gained from this call is that I am a living person and that my phone number is really mine. 
One last thing, I saw in my email that a few hours before this call Transunion sent me an offer for credit monitoring services for a fee. 
I do not know if this is related to this call or not.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-11-16
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ResidentCollect, Inc. (TX)

Innovative Recovery contacted me about three weeks ago about a supposed debt I owed. Every single person I have spoken to on the phone has been rude and refuses to be helpful. I asked for a detailed itemized receipt of the supposed debt to try and ascertain why I would possibly if at all owe anything to anyone. They sent a letter to my job initiating my boss to ask why a debt collector was coming after me. They constantly call during the day while I am at work. They refused to send me an itemized receipt and the most recent communique I received has the wrong name on it. I do not believe I owe this debt at all since they will not provide me with evidence I do and instead opt to harass me and badger me hoping I will give them money. I've asked them to not call me, they call me. I've asked them to give me an itemized receipt, they refuse. When I talk to anyone on the phone they start yelling at me.
Consumer complaint received 2021-08-23
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. (NV)

XXXX  is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2023-11-16
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXXXXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX  under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 9. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NV)

I noticed on XXXX XXXX XXXX  on my account that an unauthorized transaction was made at a XXXX in XXXX, Nevada totaling in {$410.00}. I have never been to XXXXXXXX XXXX  nor did I make this purchase. 

After searching my belongings and house, I realized I had lost my wallet and someone was using my debit and credit cards. I immediately notified Chase Bank, cancelled and locked all my cards, and submitted a fraud claim. 

On XX/XX/XXXX, I was notified by Chase Bank that " that the transactions was processed according to the information you provided or was authorized, '' and that they would be removing the {$410.00} from my account. I am not sure how they came to this conclusion. Again, I did not make this transaction and don't want to lose {$410.00}. 

I am planning on going to the bank in person, reaching out to them to see how they came to this conclusion, and potentially trying to get security camera footage and filing a police report.
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management refuses to report to credit bureaus the accurate amount of money owed according to our settled upon agreed judgement. My attorney XXXX XXXX successfully negotiated an amount of {$10000.00} to be paid in an initial lump sum of {$2500.00} and then monthly payments thereafter. Per the judgement agreement the monthly payments are mandated to be {$310.00}. Since entering in to the agreed judgement my payments have all been made on time and have exceeded the minimum amount. Despite my paying on time the website portal for payments still threatens legal action as though a lawsuit is pending when they have already sued me and my debt is getting paid while still being inaccurately reported to credit bureaus. In addition to reporting false information to credit bureaus Midland Credit Management has contacted me directly multiple times instead of my attorney. The website for payments towards the settlement amount takes days to update after making on time payments and the balances are still not accurately reflected. Midland Credit Management is a shady business that uses underhanded tactics to harass and sue consumers then doesn't have the integrity to report honest or correct information.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NY)

On XX/XX/2020 I have purchase XXXX XXXX via my XXXX bank I have proof worth of XXXX via App called Coinbase, I have a level 3 verified account. Few days alter I misplaced my phone for few hours and than regained access to my phone without comptonization of my private data. After that my coinbase account got locked, I opened a ticket with them but so far it's been over 35+ days where I just received confirmation email without anyone trying to unlock my account so I can use my funds. I'm emailing Coinbase Support on daily basis to solve my issue with locked account by they just ignoring my correspondence and not providing me a valid reason for no unlocking my funds. 

Please help, Coinbase Support XXXX # XXXX
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

This complaint is from the CashApp app. I sent money from my account $ XXXX to the wrong recipient on Friday, XX/XX/XXXX in the amount of XXXX. Immediately, I requested a refund and a day later got a message from CashApp support that the refund was declined. Subsequent, I was told to request the money directly from the recipient XXXX XXXX but the system is not allowing me to do so. I have asked numerous times for assistance from Cashapp support to request these funds on my behalf to be returned. I have not been successful after 8 back and forth emails regarding this issue. There is not a phone number, so unable to speak to anyone. 

I am a cybersecurity professional and there should be other controls put in place to protect against money sent in error. I have been using CashApp for years and this is the first time this has occurred. I was told I had so many hours to request the refund, but there is only an email contact. I sent email immediately after the correct recipient advised that they did not receive it. 

I am disappointed with the lack of assistance or remedy provided in this case.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.