davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Dispute and Request for Validation of Account : XXXX Dear CFPB, I am writing to formally dispute the account referenced below that is appearing on my credit reports with TransUnion and XXXX. This account is not mine and has been inaccurately reported. Despite disputing this account on multiple occasions, I have yet to receive any communication or validation of this account. I am now requesting your immediate intervention to ensure compliance with the law and that this matter is resolved promptly. 

Disputed Account Information : Account Name : XXXX  Account Number : XXXX Credit Bureaus Involved : TransUnion XXXX XXXX Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Current Status : Closed, Paid Comments : I have not authorized this account to appear on my credit report, and it is not mine. The account should be removed immediately as I have requested validation on several occasions without any resolution. 
This letter serves as my formal demand for validation of this account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide original documentation, including any signed agreements or contracts showing that I am responsible for this account. If such validation can not be provided, I insist on the immediate removal of the account from my credit reports. 
Furthermore, I assert my rights under the following laws : FCRA Section 611 : My right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( a ) ( 1 ) ( A ) : My right to request information and documentation related to any item of information on my credit report.

FDCPA Section 809 : The obligation for a debt collector to validate the debt upon request. 
As of today, XX/XX/XXXX, I have not received any communication regarding this matter, and the account continues to damage my credit unlawfully. I demand that all inaccurate information be removed from my credit reports immediately. 

Thank you for your immediate attention to this matter. I trust that the CFPB will handle this issue in accordance with the law. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2021-09-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (WA)

I created a cash app account probably 10 years ago. It didnt work great for my needs so I havent used it for a long time. 

my email account is tied to that account. 

here we are 10 years later and I would like to access the account because my XXXX  friends use it and want me to use that app as well. Although I use the same email address I no longer have the same phone number, I no longer live in the same place, and I no longer have the same bank account that I had when I created the app. 

The only identifying information they asked was for my bank account number, which was closed years ago when I moved. 

The company has no other way to confirm that I am the owner of the account. This is fine with me and I told them they could just delete the entire account and I would be satisfied. I can open a new account using just my phone number. 

To be clear, I feel unsafe having an account with my email address that I can not access because if one of my XXXX  tries to send me money and sends it to my email address it will end up in a place where I can not access it. If I create another account using my phone number which I have done, my friends might get confused if they are supposed to use my phone or my email. ( This has happened before ) I would feel much safer if I could delete the Account attached to my email but Cash will not help. 

when I explained all of this to the help desk at cash app they repeatedly give me only this answer : Your request to access this account was not approved. For security reasons, we can not reverse this decision and are unable to provide additional details. 

anytime I try to reach out to them they just continue to give me the same response : Your request to access this account was not approved. For security reasons, we can not reverse this decision and are unable to provide additional details.
Consumer complaint received 2024-09-14
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)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX/DEPT OF ED Dispute Resolution Department Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of my student loan balance on my credit report. My account shows this account still on it as if it is accurate. I request that XXXX/DEPT OF ED provide concrete proof that the reported balance is accurate. Simple account statements are not sufficient evidence. I require valid documentation that substantiates this claim, such as original loan agreements, detailed payment histories, and any other irrefutable evidence showing the accurate balance of my student loan. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXX/DEPT OF ED conduct a thorough investigation into this matter and provide me with the results, including any documentation you used to verify the accuracy of the reported balance. If you can not substantiate the reported balance with valid proof within 30 days, I request that you promptly delete this account and update my credit reports to reflect the accurate balance of my student loan. Furthermore, I would like to bring to your attention the potential financial implications if this matter proceeds to arbitration. Below is an itemized list of potential costs that XXXX/DEPT OF ED may incur : 1. **Filing Fees : {$200.00} - {$1500.00}, depending on the arbitration provider and claim amount. 2. **Arbitrator Fees {$1500.00} - {$3000.00} per day, with average cases taking 3-5 days. 3. **Attorney Fees : {$300.00} - {$500.00} per hour, with average cases requiring 20-40 hours. 4. **Administrative Costs** : {$500.00} - {$1000.00}, including case management and document processing fees. Estimated Costs Breakdown : - **Filing Fees : {$1000.00} ( average ) - **Arbitrator Fees : {$6000.00} ( 4 days @ $ XXXX ) - **Attorney Fees : {$12000.00} ( 30 hours @ $ XXXX ) - **Administrative Costs** : {$750.00} Total Estimated Costs : {$19000.00} Please be advised that pursuing arbitration may result in XXXX/DEPT OF ED incurring these substantial costs. Therefore, I strongly urge you to review this dispute carefully and resolve this matter promptly to avoid unnecessary expenses. Thank you for your immediate attention to this matter. I expect a written response and resolution within the statutory period as defined by the FCRA. If you have any questions or require further information, please do not hesitate to contact me. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened my account XX/XX/23 after being promised a {$400.00} account opening bonus. I was required to have 2 direct deposits totalling over {$1000.00} within 30 days of account opening. Then I was to be given the bonuses in 4-6 weeks. I have met all the requirements I called Truist and they ha e now put in 3 separate requests for why the bonus wasn't received. All of these requests take 10 business days but it has been over 60 days since the initial request and they still have no answer as to why I didn't receive the bonus or when I can expect it. I would not have chosen Truist if it weren't for the bonus and its misleading to new account openers.
Consumer complaint received 2024-09-14
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. (NV)

15 U.S. Code 1681Accuracy and fairness of credit reporting with this being mentioned I have found several inaccuracies on my report with late payments and I have them listed below XXXX XXXX XXXX XXXX XXXX XXXX late payments did not happen and this account was paid on time. All 3 bureaus show different payment history and needs to be fixedXXXX XXXX XXXXXXXX late payments did not happen and this account was paid on time. All 3 bureaus show different payment history and needs to be fixedXXXX XXXX XXXX late payments did not happen and this account was paid on time. All 3 bureaus show different payment history and needs to be fixed.
Consumer complaint received 2024-09-14
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. (TX)

Delete the following fraudulent inquiries, I did not authorize or give permissible purpose for these to report on my consumer report The following items are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-03-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Atlantic Credit & Finance, Inc. (MI)

This collector refuses to provide any written verification of debt or any requested information for that matter. At the judgement hearing, the attorney stated that he would send me the agreement to file a motion to set aside if I were to pay the judgement in full by the end of the following month. Nine days left of the month and I finally contacted them to request this information and they claim to have no knowledge of it, yet inform me that I now owe over {$200.00} more than the judgement due to statutory interest. They request that I call back the following day to see if they had a chance to speak with the lawyer. I was n't able to call back until 6 days later, only to find that instead of sending me the requested information, they filed a garnishment instead. I feel like they use the courts to prey on people who are n't able to protect themselves and do so using tactics like demanding you allow them to garnish real property if signing a payment agreement. I was not taken seriously during the entire court process by either the court or the collection agency and they need to be stopped from abusing their power. They still have not issued the garnishment or sent me anything in writing concerning the amount of interest they are now attempting to collect on as well.
Consumer complaint received 2024-09-14
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 2019-12-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

We have called XXXX to try and resolve this issue, they refuse to resolve this issue and are violating fair credit reporting rights and screwing up my credit. 

The whole situation started when a relative who has NO INTEREST, NOT ON TITLE, NOT ON THE LOAN, had filed bankruptcy in XX/XX/2016. My first lender XXXX some how included me in the Bankruptcy and stopped mailing statements, and the 2nd mortgage did the same thing. This has gone on for almost 2.5 yrs. XXXX  refused to talk to XXXX about the situation. 

I have never filed bankruptcy nor before this issue have I had any issues with my credit. 
XXXX has resolved the issues and fixed my credit back to 100 %. XXXX has refused to work with me on this matter causing me financial hard shop and making it so I am unable to refinance my loans, causing my credit score to go lower.
Consumer complaint received 2024-09-14
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. (GA)

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 XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-14
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)

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 XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

My credit file/report is furnishing multiple names, addresses, and wrong employment information. I request that the credit reporting agencies update my credit file to reflect my proper address, one name, and correct employment. I was told that those were credit history and can not be removed. I informed the agencies that the previous addresses are non-mailable and improper. I informed that of my correct and true name.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Recently got a credit card in the mail. that I did not apply for. My bank called and checked it out at bank of America and someone opened a credit card and cashed a fraudulent check in my name. also I'm a victim of identity theft all my online stuff accts. e everything compromised. I think it's a new boyfriend. Bring sneaky trying to steal my use and steal my identity and I recently got an email from bamk of america on the XXXX saying i applied again for a credit card whichI didn't
Consumer complaint received 2024-09-14
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. (CA)

Credit inquires on credit report are not recognized. They have been requested with agencys to be removed and no action has been taken. A identity report has been attached. I request if these inquiries may be removed due to be inaccurate and not me.
Consumer complaint received 2024-09-14
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. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-14
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. (GA)

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 XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-10-03
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. (LA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Unauthorized Accounts Account name : XXXX  XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXXXXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX XXXX BANK XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX 
Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX/XXXX  Account # XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ) According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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.