davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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. (CT)

I am writing to formally address a serious issue regarding my account with you, which has led to severe inaccuracies and adverse effects on my credit report. The discrepancies and mishandling of my account have not only violated my rights under the Fair Credit Reporting Act ( FCRA ) but have also caused significant damage to my credit score. 

Background : In XX/XX/year>, my account with XXXX XXXX XXXX was subjected to fraudulent activity. Despite my prompt reporting of this fraud, XXXX XXXX XXXX failed to take appropriate action to rectify the situation. Instead, the following issues have arisen : Account Lock and Payment Reporting : XXXX XXXX XXXX locked my online access, which prevented me from viewing or managing my account. 
Despite this lock, you continued to report late payments and insisted on payment, despite the fraudulent nature of the charges. 
Inaccurate Reporting : My account balance was reported inaccurately as $ XXXX, which is a significant discrepancy given my credit limit was {$500.00}. This erroneous reporting is a clear violation of my rights under the FCRA, which mandates accurate reporting of credit information. 
The fraudulent balance and late payments have resulted in a drastic drop of XXXX points in my credit score across all three major credit bureaus : XXXX, TransUnion, and XXXX. 
Harassment and Collection Actions : I have been receiving daily spam calls from an automated system, which constitutes harassment. 
My account has been erroneously placed into collections, further damaging my credit profile. 
Request for Rectification : I demand that ( XXXX XXXX XXXX ) address XXXX XXXX XXXX, XXXX XXXX, Missouri Remove all inaccuracies related to the fraudulent balance and late payments from my credit reports with XXXX, TransUnion, and XXXX. 
Adjust the balance to reflect the correct credit limit and remove any erroneous late payment entries. 
Restore Online Access : Reinstate my online access to my account to enable me to manage and review it appropriately.

Cease Harassment : Stop all automated and unsolicited calls related to this matter.

Cease Collection Activities : Remove any collection status associated with this account from all credit bureaus. 
Failure to address these issues promptly and adequately will leave me with no choice but to pursue legal action to protect my rights. The inaccuracies in reporting and the harassment I have endured are clear violations of my civil rights and liberties. 

Please consider this letter a formal notice and demand for corrective action. I expect a response within 15 business days of receipt of this letter. 

Thank you for your prompt attention to this urgent matter
Consumer complaint received 2024-08-18
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. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX -Balance {$250.00} - Date opened XX/XX/XXXX Unauthorized Inquiries 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
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

See my attached ID theft report. 
See my attached Notice to file suit. 
See my attached highlighted transaction proof for all accounts ( such as over 7 years, irrational transaction i.e showing charged off but after payments being made?? With a 0 balance etc ) ALL OTHER REPORTING AGENCIES have removed these account factually found them incorrect & the companies came back with XXXX refuted evidence and you just keep the dispute open and it's been past 180 days since my first one.
Consumer complaint received 2023-03-06
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023, but I never received a response from them. The account must be validated to prevent errors in reporting my credit report. 

Please validate the listed accounts : XXXX XXXX XXXX XXXX : {$9100.00}
Consumer complaint received 2024-08-17
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)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX 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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 2024-08-17
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. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNTS that end in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

XXXX5 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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-26
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc. (FL)

On Thursday XX/XX/XXXX at XXXX pm our customer made a payment to our company through the Square Services. On Friday XX/XX/XXXX the money wasn't available yet. I called Square and they required my personal information for verification. On Monday XX/XX/XXXX I called again to check my account and they said to wait 1-2 business day to process this transaction. Later on the day Square sent me a message saying that they believe that this payment made was part of a stolen credit card scam. They asked to refund the money to avoid payment dispute. My complain is that either Square is holding our money or we have a credit card scam that needs to be investigated by the competent authorities aid.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: T.S. Holdings (CT)

I have a company called IQ Data that is claiming that I owe money to a rental property in Georgia, I was notified of this in XXXX and reached out requesting validation of the debt and have not received any information, no calls, no letters, the debt was removed in XXXX and in XXXX was back on my report and I cant get anyone on the line that can verify my debt. Last time I spoke to someone I was threaten to make a payment or face legal action, this is causing many issues trying to rent an apartment and the biggest problem is that I have letters from this apartment complex indicating that I dont owe any debts to them so I am very confused.
Consumer complaint received 2024-09-12
Product: Credit card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BARCLAYS BANK DELAWARE (IL)

The credit report from Barclays bank shows monthly payment missing. But the payment is all done accurately, and balance is 0. still in my credit report it shows payment missed and it is impacting my credit score. 
Barclays : 30 days late payment in XX/XX/2021. I am filing this complaint to get the payment missing reversed so that my credit score be improved
Consumer complaint received 2024-10-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: GOLDMAN SACHS BANK USA (NY)

SUPER-Disappointed in GS Marcus ' Customer Service! I've banked with Marcus since it opened ... and, now it's " exited '' providing Customer Service! 

My XXXX CD was auto-renewed for an XXXX period, which is XXXX below the XXXX rate! The Bank that claims to be " a complete digital experience and can open your CD in minutes '' sends me a " Congratulatory Email '' on my CD renewal, XXXX AFTER the XXXX Grace Period ... Evidently, technology prevents sending an email during the XXXX Grace Period. 

A XXXX call to Customer Service XXXX approx XXXX XXXX on hold to research digital records ) yielded a response of " you're outside the XXXX Grace Period and our Back Office researched this matter... There is nothing we can do... we can't switch you to a XXXX CD... But, you can pay a {$520.00} penalty fee ( which represented the interest for each day prior to cancelling the CD ) and we'll be happy to cancel your CD ''. 

Also, my question re : Why was my CD renewed for XXXX, as opposed to a XXXX was responded as " that's our decision and our Back Office has confirmed , No Changes... but, you can pay a {$520.00} Penalty to exit '' ... .When I asked for a Telephone number to escalate and file a complaint, I received an apology that no such number is available.
Consumer complaint received 2023-02-22
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 am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these items and correct the negative information you reported in 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
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I am filing a formal complaint against Nissan-Infiniti XXXX for several serious violations of my consumer rights. Here are the issues I am facing : Privacy Violations : Nissan-Infiniti XXXX shared my personal financial information with third parties, including other financial institutions and credit agencies, without giving me the chance to opt- out. This is against both Federal law ( Gramm-Leach-Bliley Act ) and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). Lack of Consent : I told Nissan-Infiniti XXXX that I did not agree to them sharing my information. They responded that they were allowed to do so according to their Privacy Policy. However, their policy should comply with federal privacy laws, which they are not following properly. Missing Documentation : I have asked Nissan-Infiniti XXXX twice for a complete record of my account, including signed documents from an authorized representative. They have not provided this information, which goes against the Truth in Lending Act ( XXXX ). Identity Theft : By sharing my personal financial information without my consent, Nissan-Infiniti XXXX is committing identity theft. This not only violates my rights but also uses illegal methods to collect debts. Invalid Contract : The contract or Promissory Note involved is not valid. It appears to be designed to commit identity theft, violate my rights, and illegally demand payments. This contract violates TILA and other laws. I believe the contract is void and unenforceable, and I am seeking damages for these violations.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AR)

My business debit card was stolen and I called my bank to report fraud and file a claim. On XX/XX/XXXX I spoke with a representative and a claim was suppose to be filed. On XX/XX/XXXX a credit was on my account for the amount disputed. On XX/XX/XXXX the credit was removed and the claim no longer existed to track. I called and spoke with a representative who was very rude and demanding. I was told that no confirmation email of claim filed would be sent, and that I should hear back within XXXX to XXXX days. I write this complaint asking that this issue be governed for constructive fraud by this company. I have no provisional credit of my funds, or I have no way of tracking a claim.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP (GA)

It was reported on my report as of XXXX XXXX that my account was XXXX days late and balance was {$430.00}. This information is incorrect. I am currently XXXX days late for {$50.00} and my balance is only {$230.00}. This is unfair reporting.
Consumer complaint received 2024-08-13
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. (LA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.