davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-02
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. (NV)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX 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
Consumer complaint received 2019-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/XXXX I received in the mail a check from cashing in some of my XXXX stock I called Suntrust bank ( XXXX ) the same day XX/XX/XXXX and asked when will my check clear because I need the money for my XXXX year old XXXX items that she wanted. I was advised during the conversation on XX/XX/XXXX that my check will clear in the morning. On XX/XX/XXXX I checked my account and noticed that {$200.00} was cleared and the balance of {$51.00} was being held until XX/XX/XXXX. So I transferred the {$200.00} that was cleared into my savings account which left me with a balance of {$11.00}. I have no idea what happened within 20 minutes but by the time I got to a gas station trying to get {$10.00} in cash I had insufficient funds ( How embarrassing in front of everyone at the store ) Now here I am with no gas to get to work. I called Suntrust Bank when they opened and spoke with a representative whom at that time told me that she will speak to the department who can authorize an early release of my funds. Imagine my surprise when the representative informed me that she spoke with the authorization department and they informed her that this check most like isnt going to be cleared as if the check was fraudulent. On top of all of the the hold was extended an extra week which means my daughter XXXX check wont clear until XX/XX/XXXX. This is so wrong on so many levels, the check is legit, from my stock. Also I would like my phone calls pulled and investigated because I know that no one from neither XXXX nor XXXX XXXX company told Sun Trust at XXXX on a Saturday morning that something was wrong with my perfectly legit check. They are taken away access to my funds for XXXX no fault of my own and I would like to Sue.
Consumer complaint received 2024-08-05
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, North Carolina XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX XXXX and TransUnion Subject : Request to Opt-Out of Reporting Process Dear XXXX, I am writing to formally request that you opt me out of your reporting process in accordance with the provisions outlined in the following laws : 15 USC 6508, 15 USC 6081 , 15 USC 6802 , 15 USC 6805 , 15 USC 1681 , and 16 CFR 313 and 313.7, as well as The Privacy Act of 1974.

As a consumer, I understand my rights under these statutes, which provide me with the ability to co
ntrol how my personal information is used and reported. I request that you cease reporting my personal credit information to third parties and take all necessary steps to ensure that my data is not shared without my explicit consent.

Please confirm receipt of this request and inform me of any actions taken to process my opt-out request. Additionally, I would appreciate it if you could provide me with a written acknowledgment of this request and any relevant details regarding your procedures for opting out of your reporting process.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2024-08-06
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. (MO)

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea what caused it. I checked my credit report as usual, but this time, there were unexpected discrepancies. I thought it might be a browser malfunction and refreshed it, but the errors remained. Because of this, I'm asking for a meticulous review of the documents I've provided to prevent this from happening again.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

As an XXXX citizen, Coinbase has blocked my account and is holding my funds XXXX following their exit from XXXX. Despite multiple attempts to contact support, I've received contradictory information and am unable to withdraw my funds. This is causing significant financial distress. Coinbase has a responsibility to return customer funds regardless of their operational status in a country. Their actions are unethical and potentially illegal. I demand immediate access to my account to withdraw my funds, along with compensation for the stress and financial hardship caused by their negligence.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

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.

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 information is inaccurate.
Consumer complaint received 2024-08-05
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. (WI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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. (MN)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away. 

XXXX - XXXX - Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX- XXXX- Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX XXXX  - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX - XXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away.
Consumer complaint received 2024-08-06
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-06
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. (KS)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX XXXXXXXX XXXX XXXX  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 60 days 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 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. XXXX XXXX XXXX XXXX  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 XXXX
Consumer complaint received 2024-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XX/XX/2023 XXXX, XXXX, Equifax Subject : Dispute and Demand for Removal of Inaccurate Late Payment from Credit Report Dear XXXX, XXXX, Equifax I am writing to formally dispute and request the removal of a late payment entry on my credit report. According to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), the Truth in Lending Act ( 15 USC 1666 ), Bravo section 602, Alpha ( Section 602 of the Fair Credit Reporting Act ), 15 USC 1681b, and 15 USC 1666, I believe this entry to be inaccurate and in violation of my rights as a consumer. 

On XX/XX/XXXX XXXX XXXX it was reported that I had made a late payment on XXXX XXXX XXXX. However, upon reviewing my records, I have found evidence that contradicts this information. there is not signed contract and not evidence of stament of bill mailed,20 days prior to the payment due date, also and not identity verification process confirmed It is important to note that under the Fair Credit Reporting Act, credit reporting agencies are required to ensure the accuracy and integrity of the information they report ( 15 USC 1681b ). In this case, the inclusion of the late payment entry without proper verification or investigation has resulted in a violation of my rights as a consumer ( 15 USC 1681 ).

Furthermore, the Truth in Lending Act ( 15 USC 1666 ) establishes my right to fair and accurate reporting of credit information. The inaccurate reporting of a late payment adversely affects my creditworthiness and financial standing, and it is imperative that this erroneous entry be promptly removed from my credit report.

In light of the aforementioned legal provisions, I kindly request that you investigate this matter thoroughly and, if found inaccurate, remove the late payment entry from my credit report. I expect this request to be fulfilled within the legally required timeframe of 30 days.

Failure to comply with this request and rectify the inaccurate reporting may result in further legal action to protect my consumer rights. Please provide written confirmation of the investigation and resolution of this dispute within 30 days of receiving this letter.

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-06
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. (NY)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''