davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
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. (GA)

Subject : Dispute of Charge-Off on Credit Report Due to Issuance of 1099-C Dear XXXX XXXX, I am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is XXXX XXXX XXXX XXXX  Account # XXXX ] Date Reported : XX/XX/year> Amount : {$2000.00} According to the IRS regulations, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more, which must then be reported as income. This cancellation of debt means that the creditor has discharged the debt and considers it settled. Since the debt has been canceled, it should no longer be reported as an outstanding charge-off on my credit report.

In accordance with 15 USC 1681i, I request that you re-investigate this matter and correct or remove the inaccurate information. Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported.

Please conduct a thorough investigation and provide me with a written statement detailing the results of your investigation, as well as an updated copy of my credit report reflecting the corrected information.
Consumer complaint received 2024-07-29
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. (FL)

I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.
Consumer complaint received 2023-09-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

XX/XX/XXXX funds for my CD which matured were not received by the external bank account but the fund for my husband 's CD were received that day. We had purchased matching CDs on the same day for the same amount ( {$15000.00} ), maturing on the same day ( XX/XX/XXXX ). The XXXX CDs were both linked to the same external bank account. I called Citizens Access ( CA ) to report the problem. 
XX/XX/XXXX CA states funds for my CD were transferred & provided the trace number. I went to my external bank & they reported the trace number and funds were not received by my account. I call CA back with this information. 
XX/XX/XXXX CA manager instructs me to open an online savings account so they can deposit provisional funds ( {$15000.00} ) during their investigation. 
XX/XX/XXXX provisional funds received in my CA online savings account. 
XX/XX/XXXX CA manager instructs me on how to withdraw the provisional funds XX/XX/XXXX I received email from CA stating the savings account is closed & I confirmed there was now a {$0.00} balance in the provisional savings account. 
XX/XX/XXXX XXXX CA manager calls to inform me that CA investigation is complete with a conclusion the funds were deposited to my external bank account. I again provide external bank findings that the trace number and funds never received. 

At this time, it is clear that CA never looked into the fact that XXXX CD matured that day & funds from only XXXX CD was received. They never looked into the details of both transactions and came to their faulty conclusion based on an incomplete investigation. They continue to hold my funds with no commitment as to when the funds will be released. We are now back to where we started on XX/XX/XXXX.
Consumer complaint received 2024-07-29
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-28
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-28
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. (IN)

The list of accounts below has a violated my federally protected consumer rights to privacy and confidentiality under USA 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 viewed my XXXX credit report on XX/XX/year>, and notice some things are incomplete and inaccurate, and according to the Fair Credit Reporting Act whenever a customer reporting agency prepares a customer report it shall follow reasonable procedures to assure maximum possible accuracy of information considering the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 [ 5 they are supposed to do thi ( 5 )
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capitol One is continuing to sabotage my life by not giving me access to my account. They refuse to give me access to my account to make payment, so they are attempting to ruin my credit score due to there issues. I made payment on the phone to try and save my account only to see my bank was never charged for it. So I have no idea if payment went through or not. The agents lie to me on the phone. They did not answer the last complaint I filed against them.

THIS HAS TO BE CRIMINAL. How is a credit card company allowed to not give me access to my account so I can be financially responsible for the money I owe? If they won't want me to use the card for purchases, that's fine by me. I'll get a different credit card from a different company. But to ensure I can't be financially responsible is a way of sabotaging someone's life because the credit borough will come after me and ruin my credit score and other things I need in life all because Capitol One won't give me access to my account. It's actually pure insane to me at this point as I've been yelling at these people on the phone I have never heard a story like this before so its being done on purpose. 

I sent XXXX verified documents of myself. More than enough to prove my identity as I've been using this card for like 10 years now. 

What I find the most absurd is that they don't believe it's me but they believe enough for me to make payment on the phone while I had to give the agent my routing and banking number. It's criminal
Consumer complaint received 2023-05-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (IN)

Coinbase attempted to dissuade and divert me from receiving a refund for a service I did not sign up for, 'Coinbase Pro '. I wanted to receive my cryptocurrency transactions to file my taxes in a way which was easily readable and ready to upload for websites such as XXXX and XXXX. Coinbase put this particular report, which I am very sure they knew was a required format for those sites, behind a paywall, the aforementioned 'Coinbase Pro '. I strictly used the user interface to be able to access this necessary report and found myself charged for two months of 'Coinbase Pro ' before I was able to get in contact with support, who initially attempted to divert the conversation away from a refund for those unauthorized charges and instead blame me for not removing my bank account. Upon mentioning the CFPB, Coinbase Support suddenly decided a refund WAS in order but that they would/could only refund it to my 'Coinbase account ', in effect keeping the unauthorized funds in their ecosystem even longer. Upon insisting that this wasn't acceptable as a means of returning funds, Coinbase had no offered alternative. There is clearly an intentional series of 'dark patterns ' in Coinbase 's user interface meant to obfuscate and divert customers from removing Coinbase 's access to the user 's funds as well as to extract money from them in the form of hidden fees. Actually closing one 's account with Coinbase results in support being even less accessible and therefore recovering unauthorized funds additionally difficult for the company 's financial advantage.
Consumer complaint received 2024-09-25
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. (MO)

XXXX is reporting a 30 day late to all credit bureaus for my XX/XX/XXXX payment. My XX/XX/XXXX payment was XXXX on XX/XX/XXXX and paid on XX/XX/XXXX. While this was late and I incurred a fee, it was 29 days late not over 30 days late.
Consumer complaint received 2024-07-28
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)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-07-29
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year>, I received an email alert from XXXX notifying me of an inquiry on my credit report. I also received several emails from Capital One. The first email stated, " We have updated your Phone Number. '' The second email read, " You are approved for a XXXX Credit Card. '' The third email confirmed, " You've gone paperless. '' The fourth email informed me, " Your email address was updated. '' Since I did not apply for any card with Capital One, I called them. I could not access the account because I did not create it and thus had no username or password. Capital One requested a lot of personally identifiable information before providing any details about the account. They explained that they had acquired a bank, and the account was created with that bank. 

I asked for details about the fraudulently created account, and they requested that I fax copies of two government-issued IDs and additional documents before sharing the application with me. 

I am frustrated that they did not have proper checks in place before opening an account in my name. This credit card negatively impacted my credit score. I wasted more than half of my workday on the phone, worrying about the impact on my credit score. I was routed through multiple calls within Capital One, with each representative asking the same questions. I spent a significant amount of time on the phone with the credit bureaus as well. 

This has been extremely inconvenient for me, dealing with the consequences of someone else using my identity to create an account.
Consumer complaint received 2023-08-04
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-28
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. (CA)

I checked my credit profile and found some inquiries that is not 100 % accurate these items are not being reported as 100 % correct! I know that this is against the laws that protect me to report any information, data, XXXX inquiries that have not been showing as 100 % accurate. Inside The fair credit reporting act it say that every single thing on my credit must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) these fraudulent inquires on my credit report is a huge violation of not reporting a account 100 % accurately for these violations I can sue transunion for {$4000.00} in federal court for {$1000.00} per violation!
Consumer complaint received 2024-07-28
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. (TX)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX  this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form
Consumer complaint received 2024-07-29
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. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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: EQUIFAX, INC. (GA)

I am writing to inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I request immediate action to address them. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent items to restore the accuracy of my credit report.
Consumer complaint received 2024-07-29
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. According to the FCRA and Metro 2 compliance reporting standards information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently.
Consumer complaint received 2024-07-29
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-19
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)

To my shock, inaccurate accounts suddenly showed up on my credit report today, and I have no explanation for why. I check my report regularly, and this time, I found errors out of nowhere. I tried refreshing my browser, thinking it might be an error, but nothing changed. Im deeply concerned, and Im asking for a detailed review of the documents Ive provided to ensure this doesnt happen again.