davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023XX/XX/year>, XXXX MORTGAGE XX/XX/2023, XXXX XXXX XX/XX/2023 & XXXX MORTGAGE XXXX  XX/XX/2023XX/XX/year>
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (TX)

I am frustrated to see the Credit Bureaus do nothing about my requests for the removal of the fraudulent items from my Credit File. I am submitting this complaint to do another request and have the items that resulted from the theft of my Identity be deleted from my Credit file. The Credit Bureaus are given ample amount of time, to conduct a proper verification and provide proof that the items are indeed mine, by the FCRA regulations and yet they have failed to comply with the Federal law. Let me remind the Credit Bureaus that they are required to comply with the FCRA section 605 and remove the following fraudulent items completely from my Credit File with or without proper investigation since the time allotted for them to investigate is already over. Pursuant of the FCRA regulations, I am urging the Credit Bureaus to delete the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

I went to target to purchase contacts. I was told I could use Affirm to pay if I wanted. I did the affirm one time credit card, but when we tried to run it wouldnt go through. When I called Affirm they told me I would need to show proof the transaction was cancelled, but I tried explaining to several representatives the transaction never occurred so there was no way to show it was cancelled because no transaction ever took place. They now are trying to send me to collections for the XXXX, but I dont owe them money because it was never utilized and I dont feel this should negatively affect my credit especially because Im in the middle of a home purchase.
Consumer complaint received 2024-09-06
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. (PA)

This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

AS Consumer by law Disputed Items below should be Deleted in my credit report Immediately!
Consumer complaint received 2024-09-16
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. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I would like to dispute off these negative accounts on my credit 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 TRANSUNION 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I was scammed the scammers deposited a fraudulent check in my account. I called USAA and reported the fraud. She told me the check originated in XXXX. They put my accounts in credit only status. The check cleared my account the same time my paycheck was deposited and my entire paycheck was taken. Then my entire veterans XXXX check. The fraudulent check caused my account to be in the negative USAA came back and said it was not fraud and held me responsible for the fraudulent check and any money that was taken. The accounts stood in negative balance and in credits only status for a month before they released it and any extra funds they were holding. This has caused me great financial hardship.
Consumer complaint received 2023-11-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (TX)

Trying to reach the company XXXX through their website ( several times from XX/XX/XXXX to XX/XX/XXXX ) and phone ( XX/XX/XXXX ). On the website, you can only check your card and balances no direct contact via chat/email is available. They provide a hotline, you call, and only have a machine answering that gives you no option to find out about your card not working. Only how to make disputes or to check your balance. On the website, I had tried to request a physical card ( several times from XX/XX/XXXX to XX/XX/XXXX ) since I thought that might be the problem and I could use it easily in person. But every time I requested a physical card it gave me an error message and I should try another time. 
The card is a prepaid card that I got from my insurance to use for medical-related costs. As I wanted to pay at the hospital ( where it was authorized to be used ), it was declined although the amount is less than the prepaid amount on the card. My card expires by the end of the year, and I have no idea on how to reach them to fix this issue.
Consumer complaint received 2023-07-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX Account # XXXX DELETE THIS ACCOUNT OFF MY REPORT XXXX  Account XXXX DELETE THIS ACCOUNT OFF MY REPORT Inquiry Name. DELETE OFF MY REPORT ( Miscellaneous and public record ) XX/XX/2022 U.S. Code, 15 U.S.C. 1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.

All of these accounts below YOU ARE BREAKING THE U.S FEDERAL LAW 15 USC 1666 ( b ) Billing error : law states late payments shouldn't be reporting without my CONSENT!!!

15 USC 1666 ( a ) Timing or payments A creditor may not treat late payments on a consumer report for any purpose 15 USC 1681b Permissible purpose : by law you have no permissible purpose to contact 3rd parties with my privacy or personal information 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 Delete late payments off my consumer report!!!!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX, Account name : XXXX  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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-13
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. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that 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, and I've attached a copy of my report to this complaint of the following date XX/XX/2023, and 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 2024-09-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Subject : Complaint Against Wells Fargo Unresolved ATM Withdrawal and Unauthorized Account Deduction Dear CFPB, I am writing to file a formal complaint against Wells Fargo regarding an unresolved issue involving an ATM withdrawal and a subsequent unauthorized deduction from my savings account. 

On XXXX XXXX XXXX while in XXXX XXXX XXXX I attempted to withdraw {$300.00} multiple times from a Wells Fargo ATM . Each attempt was declined, and I did not receive any cash. However, a few days later, my account showed that the withdrawal attempts had been processed, as if all the attempts went through. This resulted in a total deduction of {$910.00} from my account, even though I never received the funds. 

I filed a claim with Wells Fargo, and they initially refunded the amount. However, a few months later, Wells Fargo reversed the refund, stating it was not an unauthorized transaction but an ATM claim. This forced me to start the process all over again. Eventually, I received the {$910.00} credit back, but I was asked to provide a receipt for the declined ATM transactions, which I could not provide since the ATM never processed the withdrawal. When I contacted a customer service representative to follow up, I was told it was a system error and to disregard the request, so I believed the issue was resolved. 

Unfortunately, XXXX weeks ago, in XX/XX/year>, Wells Fargo deducted {$610.00} from my savings account without explanation, just as my direct deposit hit my checking account. This deduction occurred despite the issue being closed months earlier. I contacted Wells Fargo to resolve the issue, but they informed me that their back office had determined the claim was not in my favor. Despite numerous requests, they have failed to provide any evidence or explanation for their decision. I have repeatedly asked for a call back from a manager or supervisor, but no one has responded. 

This ongoing issue has been extremely frustrating, and I have had to constantly follow up with Wells Fargo to get any updates. It is unacceptable that they have taken money from my account without providing clear evidence or explanations. I believe Wells Fargos practices in handling this matter have been negligent and potentially deceptive. 

I kindly request that the CFPB investigate this matter and assist me in recovering the {$610.00} that was wrongfully taken from my account. 

Thank you for your attention to this issue. I look forward to your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Whom It May Concern, I am writing to file a formal complaint against TransUnion regarding their failure to address my dispute concerning unauthorized and illegal reporting on my credit report. 

Details of the Complaint : Date of Report : XX/XX/2024 Disputed Information : unauthorized and incorrect payment negative information Reason for Dispute : This information was reported without my authorization, and my requests for correction have not been properly addressed. 
Despite providing supporting documentation to TransUnion that clearly illustrates that the reporting was unauthorized, they have failed to remove this information or provide a satisfactory response. I also sent them 3 different dispute letters about the matter. This situation severely impacts my creditworthiness and potential financial opportunities. 

This complaint is supported by relevant laws, including : 15 U.S. Code 1681 ( a ) : Establishes the requirement for credit reporting agencies to maintain accurate information.

15 U.S. Code 1681 ( s ) : Clarifies the consumer 's right to dispute inaccurate information and the responsibilities of credit reporting agencies in investigating such disputes. 
15 U.S. Code 1681 ( e ) : Requires reasonable procedures to ensure maximum possible accuracy of the information reported. 
As mandated by the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information, and I expect TransUnion to comply with these regulations. 

I request that the CFPB investigate this matter and ensure that TransUnion adheres to FCRA standards by correcting these inaccuracies promptly. 

Thank you for your attention to this urgent matter. I look forward to your prompt response regarding my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-09-19
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. (PA)

I recently view my credit report and noticed there were inquiries that I did not authorize which constitutes and Identity theft. I filed a Identity theft complaint " see attatched ''. I have included the inquiries within the complaint. I will also include them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
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. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I was reviewing my credit report and found numerous errors relating to XXXX  loan late payment history. The credit report agency has the responsibility to report accurate information. During the government shut down aka the PANDEMIC XXXX late payments and collection status was placed on each U.S DEPARTMENT OF EDUCATION LOAN ACCOUNTS ... AS THIS REPORTING NOT ONLY INACCURATE BUT ILLEGAL. XXXX  LOAN PAYMENTS WAS PLACED ON PAUSED DURING THE PANDEMIC XXXX  LOAN PAYMENTS RESUMED IN THE FALL OF XXXX. 
If you click on my XXXX  loan payment history it shows late payment and collection status was inaccurately reported during that period. 
I've contacted each credit bureau, filed multiple complain reports, and they neglected my concerns. I also sent certified letter to XXXX on XX/XX/XXXX. I was told they never received it, I will attached the certified receipt below. 
I also contacted the US DEPARTMENT OF EDUCATION and I was told they did not report any late payment on XXXX  loans during the PANDEMIC. 

XXXX EQUIFAX XXXX
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/year>, I deposited two checks that I had received from the XXXX XXXX XXXX into my Classic Checking Account via USAA 's Mobile App. When I opened the account, I had to sign a Depository Agreement. Prior to making the deposit, I researched when the funds would be available for use after making a deposit. That research showed that the funds should have been available the next business day. I needed access to these funds in order to pay my rent. One of these checks was late wife 's last XXXX XXXX Check and the other was a reimbursement for the cost of cremation for my wife. So, with the understanding that the funds would be available to me on the XXXX, I made the deposits. Immediately, USAA put a nine day hold on the funds. I contacted USAA through their website 's chat line and chatted with someone who identified herself as XXXX. According to XXXX, all checks deposited into an account less then 30 days old are automatically placed on hold. This was not in compliance with the Depository Agreement that I signed. XXXX did say that I could contact USAA again on the XXXX, and maybe they will remove the hold. On the XXXX, I contacted USAA again through the chat line. This time I chatted with XXXX. XXXX told me that the system would not allow him to remove the hold and referred me back to the Depository Agreement. I reread the Depository Agreement, this time focusing of the sections titled Special Rules for New Accounts. This section clearly states that Federal Government checks are not subject to a hold. So, I reached out to USAA through XXXX. I sent them a message cut and pasting the section of the Depository Agreement that shows that Federal Government checks are not subject to a hold. I got a response from someone named XXXX. Later that day, I got a call from someone ( I did not catch his name ) asking if I had any questions about my complaint. I reiterated what the agreement states. He claimed that was not the case. Around XXXX that afternoon, I got an email from some named XXXX from USAA. That email stated that she worked with USAA 's CEO, and that she would contact me soon. That contact has never happened. I tried calling XXXX directly on the XXXX, but the call was not returned. I also sent the CEO of USAA, but there has been no response.