davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
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. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

Filed a complaint regarding the credit reporting status after bankruptcy. Account was incorrectly reporting. I received TWO letters regarding the XX/XX/XXXX for servicemembers. When I contacted customer service, I was informed I applied over the phone for this, to which I did not. I have been out of the service since XXXX, and I paid off the account right after bnkruptcy, thus creating a XXXX balance. This account was closed after XX/XX/XXXX, and relief can not be granted for an account that is closed, with a XXXX balance. Bottom line... I did not apply for any type of relief under the XX/XX/XXXX
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-15
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-17
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. (TX)

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 XXXX 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 2023-09-15
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. (TX)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 information is inaccurate.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

When my direct deposit comes in chime withholds XXXX and distributes it to me in incriments of XXXX. I have called and complained several times now as i was under the understanding that i would get fee free online banking with XXXX overdraft. 
Well i guess they have had enough of my inquiries, my account is frozen since last friday when i made the last call to them asking where my remainder of my money was. They collected XXXX and they owe me approx XXXX. 
They got rude and said i agreed to this when i signed up under the terms and conditions. 
Im definately changing banks but my direct deposit is coming up friday and im very concerned i will be able to get it.

I need help, not only for the XXXX of mine that is frozen, but for my direct deposit coming up.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Please take this complaint seriously as this has been immensely frustrating. This is really stressing me out, It's been such a long time that I am trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$45.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$340.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-17
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. (CO)

" I am requesting proof of the previous investigation. I'm asking that you send your method of method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-17
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. (NC)

Subject : Urgent Request to Update Credit Report Charge-Off Status** To Whom It May Concern, I am writing to address an urgent issue regarding the reporting of an account on my credit report. The account in question has been **charged off** by the creditor. I am in the process of reporting the canceled debt as income to the IRS. However, I have not received a **Form 1099-C** from the creditor, which is necessary for accurate tax reporting. Please note this has been Charged off for 3 years! 

Account Details : - Creditor Name : XXXX - Account Number : XXXX - Charge-Off Date : XX/XX/year> - Amount of Debt : {$2400.00} Immediate Action Required : Update Credit Report : - Given that the debt has been canceled, I request that this account be : - Removed from my credit report, or - Updated to reflect that the debt has been settled or canceled. 

Accurate reporting is critical to avoid complications with my credit profile and tax filings. 

2. Lack of Power of Attorney : - The creditor does not have any Power of Attorney to act or report on my behalf. Sole POA belongs to ES RVOC LIVING TRUST. This lack of authorization further complicates the accuracy of the reporting.If this matter is not resolved promptly, I may consider pursuing legal action to enforce my rights and ensure accurate reporting.

Additionally, as a credit reporting agency, you are obligated to comply with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and completeness of information reported. The continued inaccuracy of this account may constitute a violation of these standards.The incorrect reporting has significant personal and financial implications, making it imperative that this issue be addressed immediately. 

3. IRS Reporting : - Should this matter not be resolved within **15 days** from the date of this letter, I will proceed with filing **IRS Form 3949-A ( Information Referral ) ** to report non-compliance by the creditor. Please note that the creditors willful neglect to report this account as required by IRS statutes since XXXX  further exacerbates the issue. 

4. Legal Implications : - This letter may serve as evidence should legal action be necessary. It demonstrates the reporting agencys awareness of the issue ( inaccurate reporting, Assuming POA, and potential tax implications ). 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-17
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. (MS)

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. 

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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (FL)

XXXX  XXXX  updated Here 's the updated response based on your details : I have discovered several inaccuracies on my credit reports from XXXX, XXXX, and XXXX, which are negatively impacting my credit score. These discrepancies include accounts that do not belong to me, incorrect account balances, and outdated negative items that should have been removed. 

Specifically : There is an account from XXXX XXXX that I did not open. 
A balance on an account from Data International is inaccurately reported, showing an amount that is not correct. 
Additionally, several negative items have remained on my reports beyond the permissible reporting period. 
Upon noticing these discrepancies, I contacted XXXX, XXXX, and XXXX to dispute the errors. Despite submitting disputes, the issues have not been resolved. 

These inaccuracies are a result of identity theft, which I have reported to the necessary authorities. I am actively working with legal counsel to address these matters. 

I am seeking correction of these errors, as they do not reflect my true credit history, and they are causing harm to my credit standing.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have recently reviewed my credit report and I have noticed several late payments on XXXX  account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -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.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I have recently reviewed my credit report and I have noticed several late payments on XXXX  account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -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.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX  ( COVID19 ) pandemic during the covered period.
Consumer complaint received 2024-09-17
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for my account at XXXX XXXX, Account Number XXXX Pursuant to FDCPA " Late payments must be verified/ validated prior to them being placed on your report '' so Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (NY)

Am Having A Problem with CashApp Account That My Transaction or being declined when ever i try to make a purchase with my cashapp card i contacted cash app support and they told me that unfortunately they cant do anything about this transaction being declined and being blocked and they did not help fix the hold issue thats on my account i cant use my cash app to make purchases please help me with this problem please
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Request for Removal of Hard Inquiries from XXXX XXXX I am writing to seek assistance regarding the removal of XXXX hard inquiries from my credit profile. I recently reviewed my credit report and noticed these inquiries, which I believe are unjustified and potentially impacting my creditworthiness. 

First and foremost, I would like to express my appreciation for the valuable work that the Consumer Financial Protection Bureau ( CFPB ) does in safeguarding consumer rights and promoting fair practices within the financial industry. I am confident that with your guidance and expertise, we can address and resolve this matter efficiently. 

The hard inquiries in question are as follows : BANK OF AMERICA ( Bank ) XX/XX/2022 BANK OF AMERICA ( Bank ) XX/XX/2022 I am requesting the removal of these inquiries from my credit profile due to the following reasons : Lack of Authorization : I have not provided authorization to these companies to access my credit information. Therefore, these inquiries were made without my consent, and their presence on my credit report is unwarranted. 
Inaccurate Reporting : Upon careful review, I have determined that some of these inquiries have been inaccurately reported. The information provided by the companies may not be reflective of my credit-seeking behavior, and therefore, these inquiries should not be considered legitimate. 
Potential Identity Theft : Considering that I have not initiated any credit applications with the mentioned companies, these inquiries may be indicative of fraudulent activity or potential identity theft. I urge the CFPB to investigate these inquiries further to ensure the security and integrity of my credit profile.