davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
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. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a 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. I've attached a copy of my report to this complaint on the following date, 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.
Consumer complaint received 2023-10-26
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. (KY)

I XXXX XXXX consumer who is a victim of identity theft. XXXX, Experian and XXXX has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to non public personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which Experian, XXXX and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

i recived a copy of credit report and i noticed one account on my credit file that not mine i never applied for and needs removed from my account listed the accounXXXX XXXX XXXXXXXX, XX/XX/2023 {$430.00} ( XXXX ) XXXX can you please remove all the enquiries
Consumer complaint received 2024-06-20
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I looked at my Transunion credit report on XX/XX/2024 and noticed XXXX things are incomplete and not accurate . And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 




These companies has also violated XXXX XXXX. XXXX violates my rights. I DID NOT receive the required opt-out notice at the time the account was created that the account would be reported, I have the right to opt-out from any reporting of non-public information.
Consumer complaint received 2019-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I am a company, I had two company checks that were stolen out of the mail. The checks were written to a MO government agency. All the information was on checks they were not washed or changed. 
Capital one, NA bank in XXXX, VA Cashed these checks and signed these check. 
Capital one has a person that did not look at the 2 checks that were cashed and if they had they would see a government agency on the payee line and the Address for XXXX XXXX, mo. Also my company is in XXXX XXXX, MO XXXX 
So they have some one doing fraud in there banks. I started the process when I found out what had happen in XX/XX/2019 with my bank XXXX XXXX MO, A report was filled and now it is XX/XX/2019 and I have spent hours on the phone with both banks and still have not received my XXXX back. 
Took action on XX/XX/2019 with my bank they had a person that did not do there Job So I went up the chain and on XX/XX/2019 a report was sent to Capital one. Still have not had a response from capital one. These checks should have never been cashed and it should not take a bank this long to see that with overwhelming evidence on the back and front of the checks. That person should be jailed ...
Consumer complaint received 2024-06-20
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX  XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (NJ)

accounts contain incorrect information such as late payments and missing payments that affect my history also accounts in collection 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 2021-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

These were used to make inquiries to my account that I have not personally applied for remove these Immediately XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX  / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reimbursement Division XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX XXXX XXXX and XX/XX/year> I have written XXXX, TransUnion and XXXX about late payments they are reporting on XXXX  XXXX account. I believe it is in violation of FCRA 15 USC 1666b.
Consumer complaint received 2019-07-09
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. (TX)

I AM A VICTIM OF IDENTITY THEFT AND REPORTED THIS FACT TO THE THREE MAJOR CREDIT BUREAUS. XXXX REFUSES TO REMOVE THE INACCURATE INFORMATION FROM MY FILES.
Consumer complaint received 2024-06-19
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. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally file a complaint concerning the inquiries that have appeared on my credit report. I have concerns about the nature of these inquiries, including unauthorized or inaccurate inquiries, and I kindly request your assistance in addressing this issue. 

I have noticed inquiries on my credit report that I did not authorize or have any knowledge of. These unauthorized inquiries are affecting my XXXX XXXX and financial standing, and I believe they should be thoroughly investigated. 

inconsistent with my financial activity. I am concerned that these inaccurate entries XXXX impact my creditworthiness unfairly.
Consumer complaint received 2024-06-20
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. (CA)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

In XXXX of 2023, I requested that Experian update my student loan balance. I sent them the balance statement and the forgiveness letter. XXXX stated they gave this information to Experian and that it is Experian that is refusing to update the information. Experian keeps sending me an old balance from XXXX of 2023, and now they are refusing even to let me dispute the amount stating " We have investigated, and this is the balance owed ''
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (FL)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.
Consumer complaint received 2023-07-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America, the information you are providing to the consumer reporting agencies is inaccurate and incorrect. This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. Your inaccurate reporting has caused substantial harm to my livelihood.
Consumer complaint received 2024-06-20
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. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-18
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)

To Whom This May Concern TRANSUNION IS Reporting An Acct That Does Not Belong To Me The Information Is Affecting My Credit. I Disputed The Acct On My XXXX XXXX  File But It Is Still Showing Dispute center In partnership with TransUnion In partnership with TransUnion Current dispute File number : XXXX Estimated completion date : XXXX File number : XXXX Estimated completion date : XXXX Sent to TransUnion On Invalid Date In review On Invalid Date Completed Need to send TransUnion additional information?
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX To Whom It May Concern, I am writing to formally dispute and request the investigation and correction of inaccurate and incomplete information appearing in my credit reports. This request is made under the Fair Credit Reporting Act ( FCRA ), which mandates the correction of any inaccuracies or the deletion of any information that can not be verified. 
# # # Summary of Disputed Information XXXX. XXXX XXXX XXXX Accounts XXXX XXXX   - Account Numbers : XXXX - Discrepancies : - Listed as charge-offs with varying past due amounts and payment histories across different reports. 
- Account Balances : {$93.00} and {$35000.00} respectively for the XXXX accounts. 
XXXX. XXXX XXXX : ** - Account Number : XXXX - Discrepancies : - Reported with inconsistencies in the last payment date and the reported charge-off statuses. 
- Account Balance : {$4500.0XXXX XXXX XXXX XXXX  Specific Issues and Required Actions : - **Inaccuracy in Account Statuses** : All accounts are reported with differing delinquency statuses and charge-off information. This information is inconsistent and misleading, affecting my credit unfairly. 
- **Payment Histories** : There are discrepancies in payment histories reported, with some months incorrectly marked as delinquent or not reported at all. 
- **High Balances and Credit Limits** : Reported high balances and credit limits do not match my records and show significant variations across reports. 
I am requesting the following actions be taken : - **Verify** all information with the creditors. 
- **Correct** any inaccuracies found or **delete** the information if it can not be verified as accurate. 
- **Provide me with updated credit reports** along with the documentation that supports any changes made. 
Under the FCRA, you are required to complete this investigation within 30 days of receipt of this notice and to notify me of the results in writing. 
Please ensure that the necessary corrections are made to my credit reports. If these inaccuracies are not resolved, I will consider further actions to protect my rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/year>, I mailed a dispute letter to TransUnion, requesting an investigation into several inaccurate items listed on my credit report. Additionally, I disputed incorrect personal information that was listed on my credit report. To facilitate the verification of my identity and address, I included copies of my photo ID, social security card, and a recent bill showing my current address. 

I received a response back from TransUnion dated XX/XX/year> stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

I believe that TransUnion 's refusal to process my dispute is in violation of the FCRA, as my dispute was submitted directly by me, the consumer. I followed the required procedures and included all necessary documentation to verify my identity and address. Despite this, TransUnion has refused to conduct a reasonable reinvestigation into my dispute.
Consumer complaint received 2024-06-20
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. (NY)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I opened a new bank account with Citizens Bank on XX/XX/23. Citizens initiated a transfer of all my funds using my routing and account number from the bank I was leaving. ( I did not initiate this transfer whatsoever, I was just there watching. ) The total amount was {$6400.00} ( {$200.00} to savings, {$6200.00} to checking ) I was told this transfer would take maximum XXXX days. After 3 days, I called the bank and complained that I hadn't received the funds yet. They told me XXXX XXXX XXXX was holding it. After calling XXXX & XXXX, they said they released all the funds and they no longer have them. 

XXXX weeks later, both banks are having me call the other one for me to figure this problem out myself. I have been previously working with the Citizens branch XXXX, but have not been able to get anyone on the phone for a few days. Nobody seems to know where my money is or how I can get it back. There was a few times they thought they had found the problem. First, Citizens said their fraud department was holding onto it. However, upon calling them myself, they said they had no record of this. Then, the branch XXXX at Citizens said the money had bounced back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has no record of incoming transfers. 
It has been over XXXX weeks since Citizens has had all of my funds, and I have been unable to pay bills or rent without the help of friends and family.
Consumer complaint received 2024-06-20
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. (VI)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681