davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX  XXXX # XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX has violated my rights Collection # 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 with out my written instruction. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (OR)

I was scammed into a fraud encounter of {$250.00}. I disputed the transaction multiple times with the company CASH APP and my Bank XXXX XXXX stating this was fraud and a scam. They continued to denied my claim and did not refund my money.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, 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. (TX)

Upon reviewing my credit report, I discovered several inquiries that I did not authorize. These unauthorized inquiries have the potential to negatively impact my creditworthiness and financial well-being. They are also violating my rights under the Fair Credit Reporting Act. 

I have already taken the initial steps by contacting the credit reporting agencies involved to dispute these inquiries. Despite my efforts, the unauthorized inquiries remain on my credit report. I have listed the inquiries and the bureaus they are reporting to below. I have also attached my identity theft report. 

XXXX : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6000.00}
Consumer complaint received 2023-06-06
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)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
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. (GA)

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 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Request for Correction of Inaccuracies on TransUnion Credit Report Dear transunion I hope this message finds you well. I am writing to bring to your attention several inaccuracies that I have identified on my TransUnion credit report, which I recently reviewed. These inaccuracies have the potential to expose me to identity theft and financial harm, and I am seeking your assistance in rectifying this matter. 

Upon reviewing my TransUnion credit report, I noticed discrepancies that require immediate attention. Firstly, the report indicates an address in XXXX, a place I have never lived in or had any association with. This incorrect address could potentially lead to further complications and negatively impact my creditworthiness. 

Additionally, I was unfortunate enough to fall victim to the coronavirus benefits and scams that were prevalent during the pandemic. This fraudulent activity may have resulted in inaccuracies on my credit report, further exacerbating the situation. 

I kindly request your assistance in clarifying and rectifying these inaccuracies on my TransUnion credit report. It is crucial to me that my credit history accurately reflects my financial standing. I believe that by addressing these issues promptly, I can work towards restoring my credit to a good standard. 

Please let me know the necessary steps and documentation required to initiate this process. Your guidance and support in this matter are greatly appreciated. I am committed to cooperating fully to ensure the accuracy and integrity of my credit report. 

Thank you for your prompt attention to this matter. I look forward to your guidance on how to proceed and resolve these discrepancies. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R & B Corporation of Virginia (TN)

XXXX XXXX XXXX XXXX inadequate security measures led to my data being stolen from them. You can see details regarding this at their own website : https : XXXX  They have reported my debt to all XXXX major credit bureaus.
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$750.00} XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX **** Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9600.00}, XXXX XXXX  XXXX Balance Owed : {$1300.00}, XXXX  XXXX XXXX Balance Owed : {$1300.00}, DPT EDXXXX XXXX Balance Owed : {$120000.00}, XXXX XXXX Balance Owed : {$10000.00}, XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$2700.00}
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

XXXXAttempted an Instant transfer to my bank account from my Venmo wallet in the amount of {$500.00} During this time the transaction did not arrive. The Venmo customer service representative said it was an issue with my bank. After explaining that I had spoken with my bank and verified no transaction was attempted I was told my case was being sent to the Account team. The representative stated the Account team did not take calls or e-mails but I would receive word in 6-8 business days. 

XXXXReceived refund for Instant Transfer fee in the amount of {$34.00} after calling Venmo customer service. 

In the mean time dozens of e-mails and messages have been sent. I have been sent to different customer service workers each time. At times they stated they would need to speak to the Engineering team to resolve the issue and promised I would be updated. The response never came and the subsequent e-mails ignored large portions of my questions about options for a resolution. Customer service has refused to engage with me or provide a timeline for the return of my money or an explanation of the issue. The e-mails are available should you wish to see them.
Consumer complaint received 2023-06-06
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: AFNI INC. (TX)

On XX/XX/2023, it has come to my attention that XXXX XXXX  AFNI, INC., AND XXXX XXXX XXXX have included an unfavorable remark on my credit report, as indicated by XXXX XXXX XXXX I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that XXXX XXXX  has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently received a copy of my Experian credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports XXXX XXXX XXXX XXXX XXXX Acct # : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, you reported transactions from XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/Corporation making the report are not included on the consumer reports, yet you are reporting this information to my consumer reports!

Furthermore, 15 USC 1666b ( a ) : ( 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.
Consumer complaint received 2023-09-17
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. (TN)

I am writing to address a late payment charge on my account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to consumer protection guidelines : A creditor can not mark a payment as late on a credit card account from an open-ended credit plan unless the creditor has taken appropriate measures to ensure that every statement, inclusive of the necessary details mandated by section XXXX ( b ), is sent to the consumer a minimum of 21 days prior to the due date. 

Furthermore, if a credit plan offers a grace period where I can settle any portion of the extended credit without additional finance charges, such charges should not apply to that portion of the credit for that billing cycle. This is valid only if the statement, detailing the basis of the finance charge for that period, was received by the consumer at least 21 days before the specified due date for avoiding the finance charge. 

Given the above provisions, I request that you review my account and verify whether the statement for XX/XX/2022 was indeed dispatched to me at least 21 days before the payment due date. If it wasn't, I respectfully ask for a reversal of the late payment charge in accordance with the above guidelines.
Consumer complaint received 2023-10-21
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: NRA Group, LLC (FL)

XX/XX/XXXX The company wrote me and told me they were removing the file off my credit report but that was a lie!!!! It has been over 60 days. I am seeking compensation for lying and intentional damages caused by the company and XXXX XXXX XXXX. 

Interim response : NRA Group is in receipt of the consumers complaint. Additional time is requested to complete our investigation with our client., Sincerely ; XXXX XXXX XXXX Compliance Agent, NRA Group LLC Company 's Response NRA Group is in receipt of the consumers complaint. In acknowledgement of the complaint and to maintain satisfaction. The above referenced accounts were closed in our office and returned to the creditor on XX/XX/. Since the account was only assigned to us for purposes of collection, we have no control over whether the creditor will pursue collection of this account by placing it with another collection agency or law firm. We have also requested that the account be deleted from any consumer reporting agency files to which we have submitted information. Consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control. Should you have any questions regarding this matter, please feel free to contact our office. Sincerely ; XXXX XXXX, Compliance Agent, NRA Group LLC
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely and caused an immense amount of stress due to being denied credit for obtaining a vehicle.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

Everything I try to submit a dispute whether personal data or credit agencies the system tells me my account has a security alert on it and I have to call in. When I call in and ask them what the security alert is they tell me I don't have right to know and when I ask them who can lift it they say nobody
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XXXX XXXXn the amount of {$270.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2023-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IL)

Shellpoint/New Rez mortgage company continues to either not apply payments or apply payments late in order to extract additional fees to homeowners. I went to XXXX of South Carolina and it was indicated that information was not applied properly and Shellpoint/New Rez updated their records, just to later say they made a mistake. This is an ongoing issue that needs serious attention and a forensic audit needs to had at the highest level. In XXXX ( document attached ) there was a surplus overage resulting in the payment going back to {$1200.00} however the account is never credited on time. Fees for insurance regarding HOA was accruing after documents had been for over a year and it was not until the information was supplied to XXXX of South Carolina did they update the records however then they did an about course again. They are not mortgage company that should be operating in any community as it appears the personnel working at this institution is not capable of properly crediting accounts in a timely manner.