davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the following accounts on my credit report, as they have violated my federally protected rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. The details of the accounts are listed below : List of Accounts to be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have violated my privacy and confidentiality rights as protected under the following provisions of the FCRA : 15 U.S.C. 1681, Section 602 ( a ) : This section explicitly grants me the right to privacy, and the presence of these accounts on my credit report without my consent constitutes a violation of that right.

15 U.S.C. 1681, Section 602 ( a ) ( 2 ) : This section states that no consumer reporting agency can furnish information about an account without my express written instructions. I have never provided any written consent for the furnishing of the above accounts.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including any adverse information, except for criminal convictions, that is older than seven years. The accounts listed above contain adverse information that is either outdated or in violation of this provision.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that a person shall not furnish any information relating to a consumer if the person knows or has reasonable cause to believe that the information is inaccurate. The information regarding these accounts is inaccurate and should not have been furnished to any consumer reporting agency.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST PORTFOLIO SERVICING INC (NC)

I ask for prof that I agreed to the terms of the settlement agreement and I was informed of the terms and condition. 

They Responded, The investigation found that an agreement to pay the account for less than the balance was arranged verbally on XXXX XXXX. The agreement was that you would pay 50 % of the current balance with three payments in the amount of {$82.00} per month. 

This response did not come with any Prof of this agreement and must be taken based on your Total Visa word without verification.

I wasn't given a response to rather a complete disclosure of the agreement between both parties was given.

At no point and time was I aware of the void clause or action that may be taken for not paying the settlement agreement on time? 

After Total Visa received XXXX XX/XX/XXXX, those funds were to be applied to the settlement agreement. 
After the agreement was voided I wasn't given prior notice to how my payment would be allocated. 

Both parties must understand the agreement and the creditor must give complete disclosures of any terms or conditions. 

Total Visa stated On XX/XX/XXXX, a second agreement was made to pay the account for less than the full balance. The agreement was set up for 50 % with XXXX lump sum payment of {$210.00}. The payment was made XX/XX/XXXX and a final letter was pending until XX/XX/XXXX in order to insure that payment clears. 

Up to XX/XX/XXXX and beyond no letter had been received and this account still appeared on my credit profile as an unpaid debt with a balance. 
This debt had been paid in full. Total Visa and I couldn't agree on the treatment, reporting or accuracy of the settlement agreements. To resolve this issue I would simply like Total Visa to completely remove this account from my profile. 
There is no longer a debt and removing the account can settle the matter.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in 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 following XXXX XXXX
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (MD)

I am a natural person and a living human being, I have rights under 15 USC 1681. 

Equifax and XXXX are govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax or XXXX written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-24
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 (IN)

Support request : # XXXX with Venmo On XX/XX/XXXX, Venmo suspended my account with a balance of nearly {$4000.00}. I reached out to them and requested that my account be closed and funds returned to me through their online contact form. They responded back through email on XX/XX/XXXX requesting my drivers license which I uploaded. Within an hour or two, they closed my account and said that they closed my business account but my personal account was still active. There was no mention of the funds remaining in my business account.

I responded to their email asking about the funds on XX/XX/XXXX but never received a response. I reached out through their chat support and spoke to online support ( request XXXX  ). They said they would forward my info on and someone would get back to me. I received no response. On XX/XX/XXXX, I attempted to contact them and received a message it was out of hours and they would get back with me. I also received no response.

Essentially, they promptly closed my account with no explanation of what will happen with my funds and refuse to acknowledge any requests. I would like to receive the funds from my business account totaling nearly {$4000.00}
Consumer complaint received 2024-09-13
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2022-07-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1300.00}
Consumer complaint received 2022-07-13
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. (IN)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$5100.00}
Consumer complaint received 2024-09-16
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. (CA)

Regardless of the multiple written requests, the account listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-16
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. (DC)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wish to contest the accuracy of certain information on my credit report, which does not accurately reflect my financial records. This misrepresentation is a breach of the Fair Credit Reporting Act, specifically under Section 15 U.S.C. 1681e ( b ), obligating credit reporting agencies to ensure the accuracy of the information they compile about individuals. Enclosed are the documents that demonstrate these inaccuracies. I request an immediate investigation and the rectification of these discrepancies.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (AL)

Experian is using extortion type tactics to get you to purchase their boost plan. In return for corrective, give me accurate information and boosting your credit score and fico score which they artificially keep low. And all definitions of the word that is extortion and that is illegal.
Consumer complaint received 2024-09-16
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$880.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-16
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute the accuracy of the bankruptcy reporting on my credit report and to request its removal based on information provided by the United States Bankruptcy Court and relevant consumer protection laws.

According to a letter I received from the United States Bankruptcy Court, the court does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. The letter specifies that " any concerns regarding the accuracy of consumer credit files can be directed to the credit reporting agencies. '' The original creditor is the only entity that can verify or validate information. and in this case the original creditor says they do not report to credit reporting companies, so this inaccurate, unverified, and unvalidated reporting needs to be removed from my report. Based on the information provided by the bankruptcy court and the stipulations of the Fair Credit Reporting Act ( FCRA ), this reporting is inaccurate and must be corrected.

To assist you in your review, I have included a copy of the letter from the United States Bankruptcy Court for your reference and an image of the bankruptcy courts website as it appeared on XX/XX/year>. Please review my credit report in light of this information and take the necessary steps to remove the bankruptcy record from my file. There is absolutely no third-party with first-hand knowledge of anything. 
Please confirm receipt of this dispute letter and notify me in writing of the action taken to correct this issue within 30 days, as required by the FCRA. If you need any additional information or documentation from me to resolve this matter, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-16
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. (KY)

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts [ XXXXXXXX XXXX Account Number XXXX ] are not complete and accurate.

And one more thing 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.

Check attachments below.
Consumer complaint received 2024-08-27
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. (NY)

A while ago I noticed that there were so many inaccuracies on my credit report and I didn't know where they came from. So, I requested validation ( in the form of the original contract ) from the bureau for each fraudulent account so I could get to the bottom of who was using my identity, once and for all, and to get this information removed. I sent in a letter and an FTC report just like the bureau requested XXXX months ago. I still haven't received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.
Consumer complaint received 2024-09-16
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. (OH)

I have reached out to Transunion about possible fraud. I explained i had inquiries that i did not authorize. They did not try to assist they said inquiries stay on credit reports for two years which i already know that but i did not authorize these inquiries so they are due to fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> my information may have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/year> around XXXX PDT at the Wells Fargo XXXX ATM XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I attempted to make a cash deposit of {$1100.00} ( all in {$50.00} bills ) into the ATM. I followed the directions and inserted the cash into ATM, which began to count the money. During the transaction, the ATM froze and the screen blanked out with a message that it was out of order. The ATM did not return the cash in process or did it credit my account, which is the normal process during issues like this that I experienced. 

I then proceeded into the branch to let them know of the issue and the teller XXXX flagged to the Service/Branch manager of the issue. As I waited to speak to the manager, I completed the second half of my cash deposit for {$2000.00} ( all in {$100.00} ). I then spoke to the manager and they let me know the ATM had been having problems and they would check on the ATM. She then came back and said an ATM technician was inside the room trying to fix the issue and that my cash deposit that wasnt returned should be credited to my account within the next couple of hours. If I didnt see it by then, I should file an ATM claim. I thought it was odd, but I agreed as I needed to catch a flight by XXXX and it was a manager who told me the issue with ATM. The next morning I didnt see my account credited, so I filed a claim with the bank as instructed. 

On XX/XX/XXXX, the bank notified me that my claim was not being honored as their ATM back office team could not confirm the transactions. I requested an escalation of the issue noting the only way they could not retrieve the money from the ATM was if there was fraud/theft on the part of the ATM technician who was in the ATM room at the time of the deposit failure. I requested for them to further investigate and for them to review the video surveillance, which will show the entire situation. The bank has since responded on XX/XX/XXXX that they could not confirm my claim once again, but hasnt provided me with any evidence that theyve reviewed the surveillance video of the branch and the ATM room or that they reconciled the ATM machine that it was holding more cash than it should have. Based on the issue, I believe the only way the money could be missing is from theft from the ATM technician in the room who I believe caused my deposit failure in the first place. Ive been with the bank for XXXX XXXX and after this experience I have no trust in the way Wells Fargo handles ATM claims.
Consumer complaint received 2024-08-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC (VA)

On XX/XX/XXXX National Credit Adjusters was listed on my credit report showing collection for late payments dating back to XXXX and a balance of & XXXX. On XX/XX/XXXX I sent them a debt validation request. On XX/XX/XXXX I received a response showing the original creditor as XXXX for a debt created on XXXX XX/XX/XXXX. I lived outside of the XXXX from XX/XX/XXXX until XX/XX/XXXX working and living in XXXX, XXXX, and XXXX XXXX, XXXX. Upon returning to the XXXX in XXXX, I recalled sending Speedy Cash a copy of my passport showing that I NEVER applied for any loan. 
The validation information sent from National Credit XXXX does not contain my signature, correct address, or banking account, nor an agreement showing how they became a creditor. I have filed disputes with credit bureaus and they all returned as a valid debt.