davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have made multiple attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These items have significantly impacted my life, causing considerable stress and XXXX. I must emphasize that I did not authorize or consent to this information being associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-29
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: EQUIFAX, INC. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (CA)

I established a HELOC with US Bank. I have XXXX loans under this line of credit. 
I called to unlock and relock all XXXX loans under a lower interest rate and was instructed to do this online. As instructed, I unlocked and relocked all three loans seperately with estimated payments to be approximately {$300.00} less monthly than previous. I later discovered instead of following my instructions, US bank unlocked the XXXX loans and consolidated it into one and did not relock at the interest rate at the time. Upon discovering the error when payment was due, I calling US Bank and was initially told they had no records of my accessing my account and making these changes, only to later be informed there was a problem with the online system and that they would recitify the problem manually. Some time later, there is no resolution, and my monthly payments have jumped over XXXX monthly than what payments were at the higher interested rates. This is fraud and gross incompetence.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-22
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$4300.00} XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX 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 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OH)

Dear CFPB, I am writing to formally file a complaint against Cash App regarding their refusal to properly address a lawful and legitimate dispute concerning an unauthorized charge. Cash App has shown a pattern of unprofessional conduct, negligence, and obstruction in handling my dispute, and I request immediate intervention. 

I notified cash app of the fraudulent charge minutes after it happened. it was still in a pending state when i first told them about it. That was on XX/XX/XXXX. They still claim it was legitimate despite me notifying them of the fraudulent charge and submitting documentation. I submitted documentation to Cash App regarding a charge from XXXX explaining that the charge was unauthorized and fraudulent. I also provided them with a direct email from the owner of XXXX, confirming that he would issue a refund. Despite the clear evidence I provided, it has now been nearly two months, and the refund has not been issued. 

Cash App denied my dispute without justification and continues to withhold any meaningful information regarding their decision. They repeatedly promised to provide documentation supporting their denial, yet to date, I have received nothing. When I inquire further, their representatives hide behind the chat system, offering vague statements that they refuse to elaborate on, and then abruptly disconnect from the conversation. 

This lack of transparency and refusal to address a legitimate, lawful dispute constitutes negligence and a failure to act in good faith under the law. Cash Apps conduct has caused me unnecessary stress, wasted time, and financial harm. As a consumer, I expect that my financial institution will handle disputes with fairness and professionalismnot dismiss my concerns without explanation. 

I urge the CFPB to investigate Cash Apps handling of my dispute and to require that they provide a detailed explanation for their decision, along with any supporting documentation. Furthermore, I ask that the CFPB take appropriate action to hold Cash App accountable for their mishandling of my case and ensure that I receive the refund I am owed. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if additional information or documentation is needed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
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. (TX)

sent a complaint on XX/XX/year> regarding late payment being inaccurately reported and to put the credit reporting agency on notice. the company did not update the late payment as required and are violating my fcra 623 & 611 rights.
Consumer complaint received 2024-08-22
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

Please remove this account : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

A medical bill conveniently has been added to my credit report for {$500.00} ( you cant report account under {$500.00} ). Ive viewed medical records from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and contacted the billing department and they have no record of the debt. This bill wouldve been from XXXX and would have been able to have been reported until the law changed ( but it was not ). I have a credit reporting service with Experian and have checked credit reports since XXXX and this medical bill is NOT listed. If it is my bill and went unpaid then it would have been reported PRIOR to any collections activity but it was not. Experian can check their own records for accuracy. Furthermore, I have NOT been notified of ANY DEBT. When I contacted the collection company they advised that the debt recently was sold to them by XXXX XXXX and they didnt have my correct name or mailing address. Ive opened complaints with the CFPB for each of these companies so this issue can be resolved. These companies should not be allowed to blatantly circumvent the law and credit reporting agencies should be checking their own records and actually validating the information they allow onto a consumers credit report. I want this resolved immediately!
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My account with TRANSUNION 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 in ( MONTHS REPORTING LATE ) to be removed. 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 pay
ment 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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

My fatherboat a car in XXXX and financed it through Chase Bank, my father got sick during the pandemic and lost everything financially, he had no choice but to file bankruptcy, the bankruptcy was filed XX/XX/XXXX and XXXX XX/XX/XXXX through the bankruptcy court my father requested a reaffirmation agreement which was never given to him, I was away in college and my father wanted me to keep the car, the car was originally a lease in XX/XX/XXXX and when lease was over my father bought the car outright so he financed it through Chase bank at the dealership, since I was away at college my father asked the dealer can we register the car in both names for insurance purposes and the dealer said yes no problem, so now I've graduated college and have a great job as a mortgage broker with a large company, I passed all background with them and took my state Exam and passed now I'm being denied appointments because the car is showing up on my credit report as charged off closed account with a balance of {$23000.00} and me as a, cosigner but when I pulled my credit reports its not on them, I never cosigned i was away at college, my father didn't request I'd be a cosigner just added to the registration, my father sent payments in which were never honored, he request come get the car, they haven't and when I asked which credit bureau they said XXXX but it's not on my XXXX, so I can possibly lose my career if this remains on my report, it's not fair to me and especially when my father tried at least 20 times since the discharge and never got a single response, but i honestly don't know if its an error because of the name or what, but I'm asking, pleading for your help, it's hard enough to come out of college and be fortunate enough to get a job and lose it because of an error on my credit report.
Consumer complaint received 2024-10-03
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-10-03
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-10-03
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. (MS)

In XXXX XXXX closed the 3 accounts I have had for year with XXXXXXXX XXXX, XXXX, and XXXX. 
All accounts were in good standing, never missed a payment or was late. Paid most account balances in full on, or before due dater. 
XX/XX/XXXX I tried using XXXXXXXX XXXX card and it was declined. I checked and same with XXXX and XXXX. I talked to 3 people at XXXX. Could not tell me why, " You will get a letter ''. 
I did and all it said on all 3 was " Activity with XXXX indicative of high risk of failure to pay ''. I called back and got the same answer. The lady said I could file a dispute with Transunion that XXXX used to grant credit. I did and after 30 days I received a report that I could find nothing absolutely nothing in it for their action. The lady at Transunion stated that my credit looked good. She suggested that I reapply to XXXX I did, they issued me another card with {$8000.00} line of credit after running a credit check with Transunion. I tried to use my new card at XXXX today and it declined. It too has been canceled. 
I am attaching the report from Transunion and XXXX after my dispute. The Transunion Report never gave me a ligitimate reason for XXXX XXXX action, My credit score with XXXX is over XXXX and in high XXXX with the other two. 
I need help. I am a retired veteran and use XXXX for my military discount. I use my XXXX to Scan and get a 5 % discount. 
I have checked my credit files and can find anything indicating I am high risk I have sufficient income to handle anything I purchase on credit. My equation Outstanding amount to balances is extremely low. 
Please help me understand the closing of 3 good accounts that are excellent in payment history. .I have sense asked Transunion to file a new dispute. Have not heard anything from them. Transunion was very helpful but I never found out wny?
Consumer complaint received 2024-10-02
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. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (AL)

Reviewed most recent credit report and I noticed a collection that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection in question did not belong to me. 

Under code 15 USC CODE 1692g & 15 USC CODE 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Consumer complaint received 2024-10-03
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. (IL)

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (VA)

I checked my XXXX XXXX account to find that a payday loan for {$440.00} had been taken put in my name days after I turned XXXX. I called the service associated with the charge and noticed that when they recalled the information attached to the account, everything except for my name was consistent with my adoptive mother 's work email and home address. They still refused to take the balance off of my account, and it shows that now it is owned by NCA for collections.