davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Hi XXXX, I am writing regarding XXXX accounts for a XXXX  XXXX XXXX that remain inaccurately reported on my credit report. These accounts were involved in prior litigation, and the court ruled in my favor, with a commitment from your company that the XXXX would be released and my credit report corrected. It has now been XXXX years, and despite this ruling, the accounts are still inaccurately and incompletely reflected on my credit report. 

During a recent vehicle financing process, it was brought to my attention that these accounts remain uncorrected, which is in clear violation of my rights under multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Inaccurate Reporting 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( B ) : Failure to Verify Information 15 U.S.C. 1681s-2 ( b ) ( 1 ) : Failure to Update Account Status 15 U.S.C. 1681c ( a ) ( 4 ) : Outdated Information 15 U.S.C. 1681s-2 ( a ) : Incorrect Date of Last Payment 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to Include Consumer Dispute Notice These accounts are reporting multiple inaccuracies, including outdated dates, incomplete information, and an incorrect account status. Attached is documentation from the original creditor, clearly stating that the accounts would be corrected within 15-20 business days. To date, this has not been done. 

I request the immediate deletion of these inaccurate entries and a prompt resolution of this matter. Failure to correct these violations is a clear breach of the FCRA, and I expect this issue to be addressed without further delay. 

Thank you for your attention to this serious matter, and I look forward to your prompt response and confirmation of the deletion.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX  to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated and be provided with methods used to verify the account and names of individuals. As well as documents showing my signed consent/agreement. The inaccuracies are highly injurious to my credit score, and financial well-being. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.Please provide the names and business addresses of each individual with whom you verified the accounts so that I may follow up. Please send me an updated copy of my credit report after your investigation. 

This account was charged off on the following date [ XX/XX/year> ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the XXXX XXXX account.
Consumer complaint received 2024-09-20
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 ACCOUNT #, XXXX, HAS VIOLATED MY RIGHTS. F 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 XXXX  XXXX WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX  ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consuner information to the best of their ability with Maximum Accuracy. 

I contacted XXXX, Equifax, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 



contacted XXXX, Equifax, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Agt. and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.
Consumer complaint received 2024-09-20
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)

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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

This is my XXXX  attempt to rectify the problem. 

I opened an account with Citizens and met all the promotional terms for a {$400.00} promotional bonus. They admit that in writing to me. However, they are saying that I was a signor on a different Citizens account opened on XX/XX/2022 which negates my ability to obtain the promotional bonus. I never opened the account they are referencing on the attached letter with Citizens. I would ask that they provide documentation showing I opened the referenced account with Citizens or pay me the {$400.00}.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

Complaint Against Cash App for Inadequate Investigation of Unauthorized Charge I am filing this complaint against Cash App due to their refusal to properly investigate an unauthorized charge of {$1600.00}, debited from my bank account via Cash App on XX/XX/year>. I reported this to Cash App on XX/XX/year>, after noticing the charge. I informed them that my phone was lost at the time of the transaction, and I did not authorize it. Despite this, my dispute was denied, and Cash App claimed that the PIN was used to authorize the payment. Key Points : Lost Phone & Compromised Access : My phone, which stored my Cash App credentials, was lost during the transaction. Cash App has not considered that the transaction could have been unauthorized due to this compromised access. Insufficient Evidence : Cash App provided no evidence beyond stating my PIN was used. This is inadequate, as unauthorized users could have accessed my account via my lost phone. Failure to Protect Account : Cash App did not notify me of this large, unusual transaction. Given that this was an abnormal charge, additional verification or alerts should have been triggered. Violation of Consumer Rights : Under the Electronic Funds Transfer Act ( EFTA ), Cash App is required to investigate unauthorized transactions. I believe they did not fulfill this obligation, and I request a more thorough review. Police Report Filed : I have reported this as theft, yet Cash App has failed to take the necessary steps to safeguard my account or refund the disputed amount. I respectfully ask for a full refund of {$1600.00} and that Cash App conduct a more detailed investigation into this unauthorized transaction.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to request the removal of fraudulent accounts and inquiries from my credit report under the guidance provided by the Consumer Financial Protection Bureau ( CFPB ). I am a victim of XXXX XXXX  specifically XXXX XXXX  which is recognized under the XXXX XXXX Rule 1002.142 ( b ) ( 4 ) -5 through 1002.142 ( b ) ( 7 ). As per section 605C of the Fair Credit Reporting Act, I kindly ask that you block and delete the following accounts and associated inquiries from my credit report within four ( XXXX ) business days. These accounts and inquiries were not initiated by me and have resulted in fraudulent collections appearing on my consumer FICO credit report. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts and inquiries were not opened, made, or initiated by me, and I do not recognize them as my own. I am requesting that you take immediate action to remove, block, and delete these fraudulent accounts and inquiries from my credit report. Please consider this letter as my formal dispute of the listed accounts and inquiries. I have attached a letter from an advocacy group assisting me as a XXXX XXXX survivor to support my claim. Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-07-27
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 the company and i was never late! I have had exceptional payment history with this company 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 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 XXXX  days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-10-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (TX)

Mr. Cooper Group Inc . 
Attn : Customer Service XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX I am writing to formally dispute actions taken by Mr. Cooper XXXX XXXX concerning my mortgage account, which I believe involve fraudulent practices in violation of consumer protection laws and Texas state law. I have made numerous attempts to resolve these issues amicably and without resorting to costly litigation. However, given the severity of the situation and the lack of adequate resolution, I find it necessary to escalate this matter. 

Background and Allegations I allege that Mr. Cooper has engaged in fraudulent conduct, including but not limited to misrepresentation of loan terms, unauthorized fees, and failure to properly credit payments. Specifically, I have observed discrepancies between the agreed-upon terms and the billing statements provided, which indicate unauthorized fees and charges that were never disclosed or agreed to in my original mortgage contract. 

Violations of Federal and Texas State Law The actions taken by Mr. Cooper appear to violate both federal consumer protection laws and Texas state law. Under the Real Estate Settlement Procedures Act ( RESPA ) and the Truth in Lending Act ( TILA ), mortgage servicers are required to provide accurate information and to treat consumers fairly. Additionally, Texas state law under Chapter 392 of the Texas Finance Code prohibits debt collectors from using fraudulent or deceptive practices in the collection of debts. I believe Mr. Coopers actions are in clear violation of these laws.

Mr. Cooper also attempted to intimidate me by sending someone to my home to take pictures to steal my property from underneath me. I filed bankruptcy to get Me.Cooper to respond to the bankruptcy court and show for the creditors meeting but they did not.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 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. 


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