davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-18
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: SYNCHRONY FINANCIAL (TX)

I have ( XXXX XXXX hard inquiries from Syncb XXXX XXXX cards/airlines on my credit report. From XXXX & XXXX. Ive never heard of that business name & have no recollection of what these could be for. I do not own a credit card either. I can not find the proper number to call for this business. Some reviews say its a bank and other a department store. Hoping to get this resolved.
Consumer complaint received 2024-06-23
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. (OH)

Equifax is reporting a bankruptcy on my credit report and they put on my credit report the data of furnisher as the us bankruptcy court of XXXX which is false. I have attached a letter from the us bankruptcy XXXX XXXX XXXX Verifying and stating that they do not furnish information to the credit bureaus nor credit monitoring services and they dont validate any information with credit reporting agenices or monitoring services. Equifax is falsely stating this on my credit report any yet to remove it. Equifax also stated that they received their information from XXXX XXXX and the bankruptcy court of XXXX. I have documentation that XXXX XXXX states they receive information from credit reporting agencies. You have The furnisher as us bankruptcy court. Equifax is falsely reporting information on credit report. This is a Violation Under the Fair Credit Reporting Act ( FCRA )
Consumer complaint received 2024-09-10
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)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-08-07
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. (AL)

There is a corporate account on my consumer report that I did not agree to be liable for. In return this account has been reported onto my consumer report. Under the FCRA, this is a violation of my consumer rights pertaining to what I agree to be allowed onto my consumer report. It is also reporting a late payment when the payment was drafted from my account. 

The following account is what should not be reported onto my consumer report : XXXX XXXX - Opened XX/XX/2023
Consumer complaint received 2019-07-18
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. (VA)

has contacted company several times and customer service would not help and take care of the negative inquiries reporting to your credit report. customer service is always rude and not helpful. 

XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX :XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-23
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. (CA)

I am writing to formally dispute the accuracy of a collection account listed on my credit report. The account in question is referenced as [ XXXX ] and is attributed to [ XXXX XXXX XXXX ]. 

Under the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Despite my efforts to verify the legitimacy of this debt, I have received no documentation or substantial evidence to confirm its validity. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you : Conduct a thorough investigation of the disputed account. 
Provide me with verifiable proof of the debt, including but not limited to : The original signed contract or agreement that created this debt. 
A complete payment history, starting with the original creditor. 
Any other documents that substantiate the legitimacy of this debt. 
If no verifiable proof can be provided, I request the immediate removal of this account from my credit report. 
The continued reporting of this unverifiable debt is causing significant harm to my creditworthiness and financial well-being. If you can not verify the debt within the time frame stipulated by the FCRA, please delete the account from my credit report to rectify this matter. 

Please confirm receipt of this dispute and provide a written statement detailing the results of your investigation. I look forward to your prompt attention to this matter and expect a response within 30 days, as required by law.
Consumer complaint received 2024-09-10
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. (TX)

Complaint Letter to CFPB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Failure to Remove Inaccurate Information from My Credit Report Complaint Against : XXXX, XXXX, TransUnion Dear Sir or Madam, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the failure of credit reporting agencies XXXX, XXXX, and TransUnion to remove inaccurate information from my credit report, despite multiple requests. The inaccurate information is negatively affecting my ability to access credit. 
On XXXX, I contacted each of the aforementioned credit reporting agencies and submitted a formal dispute concerning accurate address, incorrect late payment report, inaccurate account balance, inaccurate names XXXX XXXX XXXX XXXX XXXX XXXX and a bankruptcy that has been removed by TransUnion per the Fair Credit Reporting Act, while the others have refused sighting some third party that I have not given any permission to investigate my private rights. I provided all necessary documentation to support my dispute, including the INQUIRY REMOVEL, BANKRUPTCY REMOVAL as well as their responses. However, the credit reporting agencies have failed to remove or correct the disputed information within the required timeframe. 
This continued reporting of inaccurate information violates my rights under the Fair Credit Reporting Act. I have suffered financial damages, such as denial of credit or increased interest rates, reduction in credit limits and denial of financing for personal and business financing, due to their failure to comply with their obligations under the law. 
I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to ensure that the credit reporting agencies correct the inaccurate information on my credit report. I also request that any damages caused by this failure be addressed. 
Please find attached copies of the disputes, correspondence, and other supporting documents related to this issue. 
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX ; XXXX XXXX/ Without Prejudice Enclosed : Copies of correspondence, credit report, dispute documentation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have taken a look at my credit report and there is an account that is NOT MINE. I have no relation and I need it removed from my credit profile. Please take the due diligence required and make sure this is removed asap.
Consumer complaint received 2024-09-10
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. (MO)

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Account ( XXXX XXXX XXXX ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This affidavit serves as my formal and urgent demand for immediate action regarding fraudulent accounts and erroneous personal information listed in my Equifax consumer file. Your failure to prevent the inclusion of this false data is a violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), and I expect this matter to be resolved without further delay. 
Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B ( 15 U.S. Code 1681c-2 ) As a victim of identity theft, I have the right to request and demand the blocking of fraudulent information from my consumer file. Your failure to remove these fraudulent accounts is a direct violation of this section.

2. Section 609 ( 15 U.S. Code 1681g ) This section mandates that consumer reporting agencies must provide accurate and complete disclosure of all information in the consumer 's file upon request. Your continued reporting of false and fraudulent information violates this provision, as the data in my file is inaccurate.

3. Section 611 ( 15 U.S. Code 1681i ) Under this section, Equifax is required to investigate disputed information within 30 days. Your lack of proper investigation and failure to remove erroneous entries demonstrates negligence and is a breach of your legal obligations. 
4. Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) This section requires you to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Your blatant disregard for this responsibility by reporting false
Consumer complaint received 2024-09-10
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. (MO)

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Account ( XXXX XXXX XXXX ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (FL)

The original problem began on XXXX when I tried to submit my payment the company decline my payment multiple times and told me it was my bank I called my bank and they said it was them I tried to make the payment again with ach info and the payment finally went through later on XXXX The company sent me and adverse notice after having my account open for about two years & stated they closed my account because they could not verify my identity. Ive alway kept my information up to date and they havent requested any information from me. I reach out to them then they changed the department to the fraud department claiming Ive committed fraud theres no one I speak To in reference to this and Im concerned my information may be at risk because Ive never done anything fraudulent in the account all payments are under my information with funds that clear. in the email response they state the decision is final which will ruin my credit score having the acct history removed ( for I made all my payments on time under the the account ) i feel this is unfair and if theres something going on with my Personal information I should have the right to know since its going to impact my personal credit. I would like my account back open with no damages done to my credit profile in reference to this
Consumer complaint received 2023-06-28
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: I.C. System, Inc. (FL)

This company is fraudulently reporting an account that was already handled and deemed inaccurate last year. I fought with XXXX XXXX over this account and the entire exchange was and is still documented through the CFPB website. Apparently this is some low level, third party debt collector who now thinks they can re-report this to my account and attempt to ruin my financial reputation. This is extremely damaging to me and I will not hesitate to immediately take this to litigation if they do not remove it. I demand this company provide the original, wet ink signed document between the consumer and the alleged original creditor, along with all the other requirements to validate and verify this alleged debt, pursuant to 15 USC 1692g or cease and desist all reporting and collection efforts.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc. (AZ)

I posted the issue on XXXX to try to elaborate how serious and terrible customer service for cash app is. 

https : XXXX I replaced my old cash app card to stop reoccurring charges from XXXX. I no longer authorized those charges as of XX/XX/year>. Since XXXX  continued to charge my card they had saved on file, I requested cash app to REPLACE my debit card so that the old debit card would be deactivated/cancelled. I received and activated the debit card ending in XXXX on approximately XX/XX/year>. However, on XX/XX/year>, a charge/transaction went through for the amount of {$6.00} on the XXXX debit card. When I attempted to inform customer service of the problem, i received nothing but canned responses and my issue was closed. The video proof of the issue is posted on XXXX. 

I need the government 's assistance because Cash app refuses to provide customer service.
Consumer complaint received 2024-09-10
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. (FL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

I am filing a complaint about Mohela the federal loan servicing agency due to failure to be reimbursed for payments made above and beyond XXXX qualifying payments in the XXXX program. In XX/XX/XXXX I completed my XXXX payment in the XXXX program, serviced by Mohela. I applied for XXXX in XXXX of XXXX. XXXX Mohela 's recommendations, I continued to make payments ( in the event the count of XXXX qualifying payments was erroneous ), and made XXXX additional student loan payments before I was placed on administrative forebearance by Mohela. In XX/XX/XXXX, half of my loans were processed and successfully discharged. In XX/XX/XXXX, the remaining loans were discharged and my loan balance showed nothing owed by me. It also reflected a credit owed back to me in the amount of {$6300.00} which is representative of the payments I made in XXXX and XX/XX/XXXX after applying for XXXX during the initial processing of my application. In my correspondence, I was informed that refunds for extra payments above XXXX qualifying payments would occur automatically and could take XXXX days. 

Since discharge of my loans, I still have not received my refunds for the credited funds as listed above. We also have exceeded the 60-90 day estimate that Mohela gave for receiving these refunds. 

In speaking with both Mohela and XXXX XXXX XXXX on several occasions this month, neither can give me any meaningful information about how to escalate the request to receive these funds, and they are unable to provide a timeline as well. The credited funds now no longer appear on the Mohela website even though I have saved documentation as proof. 

Given my lack of success escalating through Mohela and the XXXX loan discharge customer support, I attempted to escalate through the XXXX ombudsman office with a complaint filed XX/XX/XXXX. I received an email when I submitted that I would receive an update within 15 days. I have received no further correspondence from that office as a means to escalate this complaint, do not have contact information for that complaint, and only see my case as " pending. '' I am seeking assistance to recoup the funds for the additional payments that I made after completion of the XXXX program. These XXXX payments after XX/XX/XXXX were per the recommendation of Mohela and they should be held accountable to ensure that this money is rightfully returned. 

Attached are my XXXX documents that demonstrate loan forgiveness with the outstanding balance reflecting a credit. I also included a reply from mohela from XX/XX/XXXX when I was awaiting forgiveness for XXXX of my remaining loans. In it they state that refunds for extra payments take 60-90 days. The sum of the XXXX total loans, again, is {$6300.00}.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

Unable to access equifax credit score. They keep saying to send in paperwork to provide date of birth confirmation. I have already send this in. It was send priority mail 6 weeks ago. And every contact I have with this company they keep saying to send in date of birth paperwork like my driver license, mail, passport SS car, I have DONE THIS I am still unable to access my credit report. My file is broken! the miss date of birth is a corrupted or broken DATA problem, not a need to send in paperwork problem. I have sent it, I have called 4 times now. STOP telling me to send in paperwork, I HAVE!
Consumer complaint received 2024-06-23
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. (MS)

Company was suppose to deleted they report off my credit report and never was removed, I sent in dispute letter and asking them to remove from credit report and after I settled the payment in the company and had proof of receipt they still garnished my paycheck after full payment was received, that caused me pain and suffering and a total hit to my credit report. So they was taking money out of my paycheck after they got paid they remaining balance. I sent dispute letter to equifax over a 60 days ago and never received of status of this account that was reporting inaccurately and wrong.
Consumer complaint received 2024-06-23
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)

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

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Account : XXXX XXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX  XXXX XXXX Account : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-06-22
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. (NY)

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.

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.