davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
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. (AL)

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. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-29
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)

In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX XXXX account number XXXX, has violated my rights. 

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

15 U.S.C Section 604 A Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

Since XX/XX/XXXX I have been unable to access my Equifax consumer file. I have verified myself using address, phone, and unique code that was sent to my personal mobile device ; however equifax will not release my credit file and whenever I attempt to login online as of XX/XX/XXXX the file states to contact Equifax and provide the error code : XXXX which I have done and each time they have advised me to mail my social security card in the mail which is unsafe for identity protection to place a copy of my social security card in the US Mail, they have not provided any alternative electronic means to provide documents in a secure manner. 

This issue was caused by Equifax who placed an unfair block on my credit file for no reason at all.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This complaint to TRANSUNION for allowing unauthorized inquiries and fraudulent accounts on my credit report. As I checked my recent credit report, the unauthorized hard inquiries and these fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report numbers XXXX and XXXX.
Consumer complaint received 2024-07-22
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: Experian Information Solutions Inc. (GA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-10-11
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. (NJ)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Credit Karma (CA)

On XX/XX/2024, I applied for a credit card with XXXX XXXX XXXX Credit Card through Credit Karma, because Credit Karma 's website stated that I had " High Approval Odds '' to receive a credit card. Credit Karma 's website also stated under it's XXXX XXXX, " You'll be approved or XXXX will pay you {$50.00}. '' I applied because XXXX XXXX had a great offer with a low annual fee and a cashback offer. I received a denial letter on XX/XX/2024, from XXXX XXXX. On XX/XX/2024, I contacted Credit Karma Member Support to inquire about the Karma Guarantee of {$50.00} and provided them with verification of my denial letter as well as their advertising statements guaranteeing their {$50.00} XXXX XXXX. I was provided with a case number. Credit Karma indicated that it could take several days for XXXX XXXX to contact them and " if eligible, '' I will receive an e-mail from them. This statement is misleading, because now they are saying, " if eligible, '' that I will receive an e-mail from them. I didn't see this term under their Guarantee statement when applying. I contacted Credit Karma again on XX/XX/2024, to follow up on the {$50.00} guarantee program and received an automatic reply e-mail stating, since they ( Credit Karma ) didn't receive a response from my last e-mail that they closed the case. I was awaiting a response from Credit Karma and they had never replied from my initial e-mail when they stated that they would contact me and now they closed my case. This is totally unacceptable and Credit Karma should be held accountable for their misleading and deceptive practices.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 2024-08-14
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. (FL)

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear Sir/Madam , After TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 
XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXXne late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> AND XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BSI Financial Holdings, Inc. (GA)

I have just received my second mortgage statement from BSI Financial Services. Like my first mortgage statement from BSI Financial Services, this statement includes erroneous late charges and unapplied funds resulting in a false amount due. During the life of this loan, I have made all of my payments on time.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Im asking for your support in addressing the incorrect account thats being reported on my credit file. This mistake has tarnished my reputation, and I need your help urgently. Your errors have caused immense distress, and its imperative that you correct these mistakes so I can focus on my family.
Consumer complaint received 2024-08-14
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. (FL)

I noticed several unauthorized credit inquiries on my Transunion and XXXX credit reports. I followed protocol and called each of the companies who instructed me to contact the credit bureaus. The credit bureau failed to investigate this matter and did not provide any supporting documents to indicate that they did not just produce an automated response that basically stated that they will not investigate and to contact the these individual companies again. 
I have notified both Transunion and XXXX that I have previously been a victim of identify theft and that from time to time unknown person ( s ) attempt to run my credit in an attempt to see what they can get. I have also been the victim of several credit breaches through various sources and my information is out there! I depend on the credit bureau to research these matters not simply produce an automated response that states that they can't help me but yet they allow my credit to be ran.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a debt of {$230.00} reported by XXXX XXXX XXXX XXXX XXXX on my credit report, which they claim is owed to XXXX XXXX. I have never opened an account with XXXX XXXX and believe this debt is inaccurate. 


Reference Number : XXXX Creditor : XXXX  Account Number : XXXX Amount Due : {$230.00} Under 15 U.S. Code 1692g, 1 requested debt validation from XXXX XXXX XXXX XXXX XXXX, but have not received adequate proof that the debt is mine. 
15 U.S.

Code 1681b mandates that credit information should be accurate. Reporting a debt for an account I never opened violates this requirement.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am certain you are aware that threatening legal action without the intention to follow through is illegal. Thus, be informed that I am resolutely serious about pursuing legal action against your company. I have sent numerous letters requesting that you investigate and remove all inaccurate information reported on my credit profile, yet you persistently fail to comply. It is my understanding of the law that you are obligated to honor each request to investigate incorrect information, which you have evidently ignored. This blatant disregard is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides individuals the right to take legal action against consumer reporting agencies and furnishers of information for non-compliance, including penalties and liabilities. 

XXXX XXXX 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 2024-08-19
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: EQUIFAX, INC. (MO)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

Dear CFPB Staff My name is XXXX XXXX and I hope my complaint is reaching you in good health and spirit. 

Due to my ongoing inability to resolve my dispute with VENMO I am reaching out for your immediate intervention as my final attempt to relive this matter without having to initiate formal legal action via binding arbitration hosted by the XXXX XXXX XXXX ( XXXX ). 

On XX/XX/XXXX my subscription as a longtime Venmo account holder was temporarily frozenwhich I previously maintained absent any dispute for years. 

Attachments will be forwarded with this complaint Dispute History : On XX/XX/XXXX I checked my bank account activity with XXXX XXXX XXXX XXXX XXXX XXXX '' ) at which time I noticed a then pending unauthorized financial transaction with VenMo. It appeared that a monetary transaction was pending with Venmo whereby I supposedly had authorized the forwarding of XXXX XXXX dollars ( {$1500.00} usd ) to one, XXXX XXXX XXXX, a person I have never known, or met in my entire life. 

This XXXX XXXX XXXX could never validate or substantiate a prior relationship ever existing between themself and I. 

In attempt to invalidate that same transaction I contacted XXXX  XXXX XXXX on XX/XX/XXXX and informed them that I have never knowingly authorized any payment to a XXXX XXXX XXXX to my longstanding history as a trusted bank customer, XXXX  they initiated a formal stop payment upon my request. 

At the same time, I took further initiative by deleting my VenMo bank information to assure the alleged monetary transaction would not be processed. 

I, subsequently, notified VenMo personnel of the steps I had taken to assure that this erroneous monetary transaction had been cancelled by all parties involved. 

Unfortunately, all of my attempts, in tandem with the actions initiated by my bank ( XXXX  ) proved to have been a colossal waste of everyone 's time and effort as Venmo personnel still proceeded to process that same bogus funds request. 

Since then I've been inundated with telephone calls, and emails demanding my repayment of the same illegal and felonious financial transaction. 

To add insult to injury, Venmo personnel is asking that I initiate a Police Report for theft, when in fact I have not suffered any theft whatsoever. I have gone ahead and filed a police report as requested and I consider VenMos action as a theft A proper investigation on your behalf should prove each and all of my claims contained herein are based entirely in fact and truth. 

As I would imagine is the case where you are concerned as well, I have far better things to do with my time, energy and money than to mount a formal legal action against PayPal, Venmo, and all parties involved in sullying my name, reputation ( albeit financially & socially ), not to mention the emotional stress, trauma and this horrendous experience has caused me and my entire family. 

As stated earlier, your immediate intervention is hereby requested. 

With respect ; XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-10-11
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. (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.

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 2024-07-22
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. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused XXXX XXXX to my XXXX, my XXXX, my mode of living and to my XXXX 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a XXXX to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A XXXX may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the XXXX has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is XXXX XXXX XXXX  and not equitable to me as a consumer! 


Delete the late payments from my consumer reports