davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
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. (FL)

Subject : Complaint Against TransUnion for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against TransUnion. 

Account Information : Creditor Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 

The violations committed by TransUnion include but are not limited to : Failure to conduct a proper reinvestigation following multiple disputes Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against TransUnion for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.
Consumer complaint received 2023-12-03
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. (FL)

In accordance with the fair credit reporting ACT ACCOUNT XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

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 alson states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (OH)

Exact details below. 2 charges for hotel were supposed to be in dispute. Barclays only put one in dispute and the hotel rebilled. We reached out to hotel which quickly reversed 2 charges, so things were fine until Barclays rebilled and sent letter. Numerous phone calls to Barclays always resulted in " this will be fixed sorry '' and so forth and nothing ever gets done. 6 phone calls, hours of going through phone prompts and repeating things to agents and it always ends in wait a few days. We are missing a XXXX credit and spent XXXX worth of time to not get it fixed and now more time to file this. Aside from I could be earning interest on the XXXX XX/XX/year> {$55.00} XXXX XXXX Rewards Points XXXX XXXX XXXX XXXX XX/XX/year> - {$55.00} XXXX XXXX Rewards Points REBILL - XXXX  XXXX XX/XX/year> {$55.00} XXXX XXXX Rewards Points CREDIT - XXXX  XXXX XX/XX/year> - {$55.00} XXXX  XXXX XXXX XX/XX/year> {$55.00} XXXX XXXX Rewards Points XXXX  XXXX XXXX XX/XX/year> {$55.00} XXXX XXXX Rewards Points XXXX  XXXX XXXX XX/XX/year> - {$55.00} XXXX XXXX Rewards Points
Consumer complaint received 2024-09-26
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. (MI)

I have written 4 letters to equifax requesting an investigation into several accounts that they are reporting on my consumer report. Once in XXXX XXXX XXXX XXXXXX/XX/year> each time they failed to do anything investigation into these accounts yet they have said that they have verified the accounts as accurate. On XX/XX/year> I wrote requesting all information they have with regard 's to these accounts as well as their methods used to verify these accounts that they are reporting. Along with my letter I send a clear copy of my state issued driver license and my current utility bill. However they didnt provide me with this information instead they send a letter saying that they cant find my credit file and need to verify my identity and to send my ID or social security number and proof of address. However I did send a clear copy along with my request. I know that it is my write to receive any and all information with regard to accounts being reported on my consumer report. Equifax is using this as a way to stall and not to do an investigation as they are obligated to do so. My consume rights are being violated and they are hurting my ability to obtain credit by falsely reporting information on my report. I want all these accounts removed immediately.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2024, I received an alert from XXXX that a hard pull on my credit report from Capital One was not triggered by me as I had made no application for credit at Capital One. 

I contacted XXXX to request information on how to remove the hard pull on my credit, as it can stay on my account for two years. They informed me I needed to contact Capital One, and they should provide in writing that the credit application was fraudulent. Then, they will pass that on to XXXX, who will then remove this from my report. 

I contacted Capital One on XX/XX/2024 who confirmed the application was fraudulent and when I requested they send me confirmation of this in writing they refused and said they would only inform XXXX and that was all they could do despite XXXX 's request. 

Also, Capital One refused to provide any confirmation that my issue would be resolved and refused to give me any reference number or ability to give me updates.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Equifax has time and again made it difficult to get an annual free credit report for years. Equifax deliberately and maliciously engages in an unscrupulous business practice so it can sell the subscription instead of proving a free credit report. As of today XX/XX/2024, I was able to obtain my free annual credit reports from XXXX and XXXX without any problem, but not Equifax. Equifax is a dishonest and unethical company and should be audited and held accountable for its shady business practice that has been going on for decades.
Consumer complaint received 2024-09-28
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)

I have requested this company stop reporting on my credit report and to fix the and report the correct balance XXXX XXXX ran up the bill amount without my acknowledgement when I was trying to fix the account, they sent my information to a collections agency in XXXX which is unlawful and not in the accuracy The account involved is in litigation. XXXX XXXX keep reporting on a daily current weekly on my report with the incorrect information the balance indeed is incorrect ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-10
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: I.C. System, Inc. (IL)

XX/XX/XXXX -Notarize signed letter asking for Method of Verification XXXX A second affidavit was sent and signed asking again for a Method of Verification. My experian report number from XX/XX/XXXX XXXX my report states the XXXX XXXX XXXX balance was XXXX dollars open on XX/XX/XXXX and updates on XX/XX/XXXXXXXX 
That is one of the most recent accounts that are misleading on my credit report and in violation of laws.

Despite two written requests, letters dated and delivered on : XXXX the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? XXXX XXXX  Account was added XX/XX/XXXX and a balance of XXXX  then was CHANGED and went DOWN TO XXXX. HOW was this method verified.
Consumer complaint received 2024-09-25
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. (NY)

I am writing to you as the holder of XXXX XXXX  account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least XXXX  days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

In beginning of XXXX i took interest from XXXX XXXX, which ive been member as realtor developer for years, bank transfer credit card from citi bank simpliciti card. Offer was basic XXXX XXXX  interest for 18 months. Standard offer. I have high XXXX credit scores .. to over XXXX at times i pay down debts for that purpose. Come XX/XX/XXXX or so i received and in mail and no info regarding credit limit. I called ph on card to inquire and customer service agent, said with thick possibly middle eastern accent, XXXXXXXX XXXX  credit., line. I was shocked, especially since had previous card with citibank in XXXX with XXXXXXXX XXXX  credit. I clearly stated that i did not want card that is usless and damaging scores if one even activates it .. it maxs out fast. So i told that person i do not want the card and i never activated it. She heard that clearly understood. On XX/XX/XXXX the card was used unauthorized by me for a full XXXX XXXX transfer to a discover card i have. I suspect by female i spoke with .. fraud. Come XX/XX/XXXX all credit agencies dropped my scores from XXXXXXXX XXXX to XXXX XXXX for getting new card and using 100 percent of credit. Its very damaging, to my immediate escrow.. ive filed dispute with credit agencies and spoke with citigroup security numerous times and they tried to deny dispute.. but they can not provide proof i did that transfer. They cant because card was never activated .. by me. They closed orig card sent and isdued a new card that i never received or requested Trying put old card in past.
Consumer complaint received 2024-09-28
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. (GA)

I have disputed this account last month and it came back verified.

I have written to dispute the accuracy of information on my credit report. According to the Fair Credit Reporting Act FCRA Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

According to FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n All these laws should be applied when it comes to my credit report.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

IT HAS COME TO MY attention THAT THE CHARGE-OFF IS BEING MONTH AFTER MONTH ON MY PAYMENT HISTORY, WHICH IS INCORRECT.ACCORDING TO THE [ FCRA ] NEGETIVE INFORMATION SUCH AS A CHARGE-OFF SHOULD ONLY REPORTED ONCE THE FCRA requires THAT CREDIT REPORTING AGENCIES ENSURE THE ACCURACY OF THE information THEY REPORT [ 15 U.S.C 1681 e [ b ] repeatedly REPORTINGING THE CHARGE-OFF EACH MONTH results IN A misleading AND inaccurate credit report. Which has significantly harmed my credit score the first delinquency that led to the charge-off { 15 U.S.C. 1681C { A } [ 4 ] continuously REPORTING THIS CHARGE-OFF AS A NEW EVENT EACH MONTH DOES NOT RESET THE STATUTE OF limitations AND IS IMPROPER PLEASE request THAT YOU promptly investigate THIS account AND correct THE inaccurate information BY removing THE repeated entries OF THE CHARGE-OFF FROM MY payment history .PLEASE UPDATE MY credit REPORT XXXX
Consumer complaint received 2024-09-28
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. (NC)

XXXX XXXX, SSN ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), and a personal loan account opened with XXXX on XX/XX/XXXX, under the account number ( XXXX ). A account with XXXX XXXX XXXX opened XXXX XXXX under account number ( XXXX ) Collection accounts with XXXX XXXX XXXX opened XX/XX/XXXX under account number ( XXXX a rental lease with XXXX XXXX XXXX opened XX/XX/XXXX, under account number ( XXXX ) and XXXX XXXX opened XX/XX/XXXX under account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Consumer complaint received 2024-09-28
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. (VA)

I had been a customer for 20 years. XXXX XXXX is in decline dramatically. They messed my furniture order during packaging. It took 2 months to have it corrected. I have records of talking to 15 people both XXXX XXXX and XXXX XXXX XXXX  within a month and recorded 9 hours of phone calls. I was refused to provide XXXX contact info. Many customer service agents said to me on record " our managers do not want to talk to any customers and force us to their jobs ''. They sometimes put me on hold for 1 hour but could not find any manager. At times I provide my info for call back instead. Never once got a call in 2 months. 

i had made the whole payment before I was billed, before the delivery. Then XXXX XXXX XXXX XXXX XXXX XXXX lost my whole payments twice in a month. They instructed me stop payment twice. Then a day after, they found the checks. They got my 3rd online check from my bank, also XXXX XXXX. Still, they forced me to pay late fees and interest fees. When I disputed, I had all the bank info that I had paid on time fully, XXXX, rude supervisor, said he didn't care. He was belligerent, After I complained about him and closed my account due to despicable Customer Service with a credit hanging, they reported me to Credit Bureaus the next day. Yet, I still have a {$100.00} over payment to be refunded. Within a month!!! Others only report after 60 days, I am informed. That caused my credit score to be lowered XXXX points. It went from being excellent for years to good for the first time. And they took back all the points I had earned. 

I also wanted to end this drama after 3 months, I ended up getting a replacement furniture and kept both. I ended up paying double at the end. Consider all these frauds and the terrible customer service before opening an account from XXXX XXXX  and buying anything. The next step is to file a fraud complaint.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-28
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)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it.