davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (MD)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I have filed for unathorize dispute with my account as we were overseas and have noticed charges from XXXX XXXX and XXXX without my knowledge as I had no means of checking transactions due to poor internet connection in the rural province of where we were. I have filed the follwing claims : 1. XXXX 2. XXXX Before the 10th or 30 day investigation period it was automatically closed and have asked for report but they were unable to send anything and instead just the typical note saying they did not suspect fraud due to the fact the account was being checked online and its valid. I have filed a complaint to XXXX  as well and they kept sending the same letter and all I want is for them to investigate as I never did made any transaction with XXXX XXXX or XXXX. A big amount have been stolen from my account and I have also been contacted by Police Officer in Hawaii but nothing was done to resolve it. I was told the case have been sent to them but they did not do anything as they said the charge was done online. How are they to claim fraud protection when they are letting the fraudsters get away with taking money from consumers account and the bank does not do anything to investigate and instead of helping the consumer they just assume on a basis that is not favorable for the account holder. I just want my money back and have them investigate as I have been unable to get far with XXXX XXXX and XXXX as I did not know any reference numbers and nothing in my name was showing up in there system. I was told to dispute with the card issuer but how am I suppose to do that when they are not willing to help me get my money back and do an investigation. 

When the account closed. They have sent the check to my old mailing address and have asked for it to be resent and they have refused noting I need to step in the branch when I am living overseas for work particularly in XXXX and there is no branch. I have asked to have the check sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX
Consumer complaint received 2024-10-02
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. (MA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-02
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. (GA)

There are inaccuracies on my credit report as defined by 15 USC 16c-2. The listed inquiries were not authorized and are impacting my credit.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (OR)

I took out a {$300.00} payday loan. I expected to pay in {$40.00} installments for 10 weeks to pay the {$300.00} plus interest. It has been 16 weeks of {$40.00} a week payments. I checked the loan today and all that money is only going to interest. Of my {$300.00} they have only paid {$280.00} of the balance. It says I will spend XXXX  before it gets paid. This was not how it was represented to me or written the first time I checked the account. What do I do to prevent them from continuing to scam me? They are pulling money directly out of my account. Do I call the bank what do I do?
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

These following accounts has been officially discharged under 11 U.S.C. 727, which protects me from any further obligations regarding this debts. As a result, all related accounts must be updated to reflect a Balance of XXXX, Account History of None, and Showing Status of " Discharged in bankruptcy '' should be reported to credit agencies. It is critical that these updates are made to ensure compliance with the Bankruptcy Discharge law. The fact the accounts show a numeric ( due balance ) history could be interpreted as debt owed by consumer, for which I'm protected against. Please Update. 

Any institution that fails to adhere to these regulations will be subject to legal action. This applies to all creditors involved in this matter as well as to any credit reporting agencies that inaccurately report information contrary to the discharge. I expect this situation to be rectified promptly to avoid any further complications. 

Accounts : XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (CA)

These following accounts has been officially discharged under 11 U.S.C. 727, which protects me from any further obligations regarding this debts. As a result, all related accounts must be updated to reflect a Balance of XXXX, Account History of None, and Showing Status of " Discharged in bankruptcy '' should be reported to credit agencies. It is critical that these updates are made to ensure compliance with the Bankruptcy Discharge law. The fact the accounts show a numeric ( due balance ) history could be interpreted as debt owed by consumer, for which I'm protected against. Please Update. 

Any institution that fails to adhere to these regulations will be subject to legal action. This applies to all creditors involved in this matter as well as to any credit reporting agencies that inaccurately report information contrary to the discharge. I expect this situation to be rectified promptly to avoid any further complications. 

Accounts : XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Requested the verification of all address listed on my report and the removal of addresses listed on my report. The only address that should be listed on my report is my current address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX XXXX, I mailed a formal dispute letter to TransUnion via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I requested an investigation into inaccurate and outdated negative items, including a bankruptcy, listed on my credit report. I ensured that my identity could be fully verified by attaching a copy of my government-issued photo ID, Social Security card , and a recent utility bill with my current address. 
Despite providing all the required documentation to verify my identity, TransUnion has refused to conduct a reasonable investigation into the disputed information, as mandated under the Fair Credit Reporting Act ( FCRA ). Instead of processing my dispute as required by law, I received an email response from TransUnion XXXX XXXX XXXX, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the FCRA, if a consumer disputes the accuracy or completeness of any item of information on their credit report, the credit bureau must conduct a reasonable reinvestigation. TransUnions refusal to conduct such an investigation violates my consumer rights and has left inaccurate and unverifiable information on my credit report, including negative accounts and a bankruptcy.
Consumer complaint received 2024-10-02
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)

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-10-02
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. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX  XXXX The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Date of the Fee : XX/XX/XXXX Amounts : {$430.00} Actions that were taken : XX/XX/XXXX : I was doing an internal audit on my Bank of America XXXX Account, I noticed two charges totaling {$430.00}, titled " Statement Copy Fee '' from XX/XX/XXXX. After chatting with a Bank of America associate, I am almost certain that this fee was associated with a Statement Copy of XXXX or XXXX that I had requested at a local Bank of America Banking XXXX XXXX XXXX XXXX XXXX in XXXX, which I was never informed that I would be charged such a fee at the time of the request, nor did I ever actually receive the statements through my mail. I am very certain that I did not sign nor agree to any fees that would be imposed to my accounts. The representative whom I talked on the phone, told me that since it had been more than XXXX year, he would not be able to refund that fee, instead he would submit a complaint, and it should be resolved in a month or so. 

XX/XX/XXXX XXXX PM : I haven't heard anything in XXXX months so I decided to pick up the phone and get an update. The representative ( I did not get her name ) I talked to at XXXX PM, via my cell, could not find the aforementioned complaint case, and told me there is nothing she could do about it. I then asked to speak with a supervisor ( XXXX, XXXX ), after XXXX minutes she gave me the same answer - " sorry, it's been more than a year, there's nothing we can do for you. '' XX/XX/XXXX XXXX : I called again because I feel very adamant about this issue ( the feeling of being cheated, the disbelief in the lack of transparency and the lack of willingness to help ) but also he was more than happy to submit a complaint case for me in order to further escalate my case. 

XX/XX/XXXX XXXX : I submitted a feedback email to XXXX XXXX, XXXX of Retail Banking ( this was the only source I could find in order to submit a feedback, see attached ). on XX/XX/XXXX, XXXX XXXX XXXX reached me for me to call her directly ( see attached ). I spoke with her on XXXX PM EST on XX/XX/XXXX, and she relayed the same thing - can't do anything about the fee and it was an XXXX decision. 

So at this point, I have exhausted all of my resources and wasted a huge amount of time to get this issue rectified, and to no avail. No one was willing to put anything in writing, all of the above was communicated to me verbally. 

I thank you for your time. Please don't hesitate to reach me should you have any questions. 
Thank you Very Respectfully XXXX XXXX
Consumer complaint received 2024-10-01
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. (CO)

I have started disputes many times on the recent past with all 3 major bureau 's regarding false and incorrect and/or old information being reported as far as my personal details and have gotten XXXX results and absolutely no compliance with my requests.. Not to mention the hard inquires i have challenged and requested immediate removal due to me not being accepted and receiving any credit or not being approved which has also been a failure on their end.. Lastly, the many negative items I have asked for copies of my original agreement or contract with my provided wet signature or autograph of you will, and have gotten updated and verified messages only with no documents i asked for or proof of verification.. This is unprofessional and extremely frustrating due to the damage of my report and personal suffering due to not being able to get approval for anything all because they refuse or neglect to perform their required duties..
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I lost my cat and I posted missing animal posters and I was contacted by a person that said they had my cat. We set up and time and place to meet and they sent me a blurry zoomed in photo that kind of looked like my cat ( XXXX XXXX  ). When I arrived, they told me that I need to send money first and then they will bring me my cat. I tried to get them to meet in person and I will give them cash once I confirm it is my cat, they refused to show up unless I sent money.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AL)

To Whom It May Concern : I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and, the current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : XXXX. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR XXXX. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT XXXX. ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT XXXX. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, 2014 XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount.

Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.