davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 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 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On or about XX/XX/XXXX and XX/XX/XXXX, I submitted a complaint to the CFPB regarding inaccurate information on my credit report created by XXXX, XXXX, and Experian regarding the following debt collection accounts which were being inaccurately and innocuously reported : 1 ) XXXX XXXX XXXX XXXX  {$4400.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$320.00} To date, XXXX, XXXX XXXX and Experian continue to recklessly and negligently violate my federally protected rights by refusing to remove and delete these accounts from my credit report AND credit file. Pursuant to 15 USC 1692c, which states that " if a clearly consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease ALL communication ''. Ceasing ALL COMMUNICATION includes communication with any 3rd parties of which XXXX, XXXX, and Experian are 3rd parties. Also reporting to the credit reporting agencies is communication. Thus, continuing to report these debt collection accounts are a violation of my federally protected rights.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unlawful and unethical practices related to their smart home service. I am deeply concerned about the negative impact on my credit report due to XXXX XXXX XXXXXXXX XXXX actions, which have resulted in significant financial and reputational harm.

Unauthorized Credit Reporting : I subscribed to XXXX XXXX XXXX XXXX smart home service with the understanding that they would not report my payments to credit bureaus without my knowledge or consent. However, I discovered that XXXX XXXX XXXX had reported my payments without providing any prior notice, violating my rights as a consumer.

Delay in Cancellation and Late Payments : On multiple occasions, when attempting to cancel the service, XXXX XXXX XXXX deliberately delayed the cancellation process. This resulted in my credit report reflecting late payments of XXXX XXXX, and XXXX  days, severely damaging my credit score. Such actions were not only unethical but also in direct violation of consumer protection laws.

Credit Reporting Blackmail : To rectify the credit reporting issues caused by their own actions, XXXX XXXX XXXX demanded payment in full of the system. They explicitly stated that if I paid the outstanding amount, they would delete the account from my credit report. This amounts to credit reporting blackmail and is a clear violation of fair business practices.

Incomplete Deletion from Credit Report : While XXXX XXXX XXXX has claimed to delete the account from some credit reports, it still appears on my Transunion credit report. Despite numerous disputes, Transunion has failed to investigate and correct the inaccuracies.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recently looked at my credit report and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be updated to PAID AS AGREED. 

Account Name : XXXX XXXX XXXX Account XXXX Dates NOT REPORTING ACCURATE : XX/XX/year> & XX/XX/year> 2022
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to file a formal complaint regarding inaccurate information on my credit report that I reported to TransUnion on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from TransUnion regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : XXXX. ) Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$43000.00} The above account is not mine, and I request TransUnion to remove it from my credit report. 


XXXX. ) Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} The above account is not mine, and I request TransUnion to remove it from my credit report. 


XXXX. ) Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The above account is not mine, and I request TransUnion to remove it from my credit report.
Consumer complaint received 2024-01-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I understand that transUnion are supposed to report maximum fair and accurate to the consumer reports but they are causing me and my family harm due to failure of reporting accurate accounts on my consumer report the account listed below has fail to verify this account and needs to be deleted immediately I will be forced to take action and seek remedy for these damages I understand that its add up to a XXXX per violation and damages I will be seeking if not deleted immediately this is there response to the CFPB that they can not verify this account so delete it immediately
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (GA)

In XX/XX/XXXX I refinanced rental property I own in XXXX Ga. That loan was transferred to Selene Finance in XXXX and letter of transfer and closing documents clearly states for the first 60days loan payment can not be considered late or received late fees if transfer to new lender. Im unable to create online portal access and account is not found in phone system due to some technical issues. So I paid my XXXX payment with XXXX and noted Im having issues creating a portal account to facilitate payments. I mailed XXXX payment which has not cleared. I called in XXXX to pay XXXX payment and inform them XXXX check has not cleared so I will pay that as well and they refused payments and inform me my house was foreclosure on XX/XX/XXXX with no notice of default or anything. I told them first 60 days is grace period because of loan transfer and XXXX informed me if I dont pay on the XXXX Im in default. I contacted management XX/XX/XXXX via email because that is the only means they provide and XX/XX/XXXX they responded stating loan has been foreclosed as of XX/XX/XXXX and they do not need to provide me with notice of default and they will send reinstatement information. As of XX/XX/XXXX I have not received any further communication and after reading other reviews many have complained of " Missing Payment '' and then aggressive foreclosure or excessive reinstatement fees. However my loan should of never been foreclosed on after being late by their standard only 3 days even counting missed XXXX payment who foreclose on a house after only 32days late and then provide no notice of any kind. All notices I received was just to pay my normal payments. They even sent email asking about regular monthly payment and never mentioned my home was in foreclosure.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (VA)

On XX/XX/24 I called ADP Wisely to dispute 4 charges that I didn't know where from. On XX/XX/24 they closed the case an said today they sent a letter that I never received. They will not tell me why. Just that they found it not to be in my favor an I can resend a complaint to open the dispute again via a XXXX XXXX when I get a letter. Now they will not help. I have transaction photo of the fraud. 
They don't care an I'm out $ XXXX. I need help. It will cost me {$1000.00} or more for a lawyer & may never get my {$200.00} back. I will never use them again & will let everyone know not to use this fraud friendly company.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Accounts name # XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts name # XXXX *** XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX Accounts name # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Experian ) Accounts name # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Experian ) Accounts name # XXXX XXXX ( XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX Accounts name # XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX 1681 section 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

1681 section 604 ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1681 section 623 ( A ) Reporting information with actual knowledge of errors. 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 2024-05-04
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. (LA)

I sent Transunion my notarized copy of the affidavit they sent to me. I also attached a copy of my XXXX  and police report as well, on several occasions. 

According to the FRCA. They failed to do a proper investigation. After disputing these fraudulent accounts on my XXXX and XXXX report they were removed. 

Transunion is stating that the accounts are verified, but how us that possible if they did not do a proper investigation according to the law. Also every piece of information on these fraudulent accounts are not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything had to be 100 % accurate. My rights are continually being violated.
Consumer complaint received 2023-09-05
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 2023-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (OK)

I have tried for XXXX straight days to withdraw {$200000.00} from my money market and Citibank has refused to provide me access to my funds. They refused to wire my funds. Then they refused to close my account and send me a check. They then had to send me an ATM card to verify me. When I asked to just close my account since they would not do a wire and send me a check, they said it would take XXXX business days to do so. I have lost thousands of dollars as the 90 day XXXX  continues to decline by their actions and I still do not have my money. Please help as this is criminal behavior to stop withdrawals from Citibank in light of the SVB crisis. They would not even provide names or supervisors for me. Just codes like XXXX and XXXX since their call centers are not based in the United States.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to urgently address a severe matter regarding fraudulent activity on my credit report. Upon thorough review, I have uncovered multiple inaccurate and unauthorized entries that significantly compromise my financial integrity and creditworthiness. These fraudulent accounts have been causing unwarranted distress and hardship, and I seek your immediate intervention to rectify this situation. 

The fraudulent entries in question are as follows : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$80.00} Status : Collection account. {$80.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$130.00} Status : Collection account. {$130.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} Status : Collection account. 
XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Despite my repeated efforts to address these issues with the credit reporting agencies, the entries persist on my report, unjustly tarnishing my credit score and financial reputation. 

It is imperative to emphasize that I have never authorized or initiated any of these accounts. I strongly suspect that they are the result of identity theft or malicious activity targeting my financial records. As a vigilant consumer, I have diligently monitored my credit report and have taken immediate action upon discovering these discrepancies. 

In light of these grave concerns, I wish to draw your attention to several pertinent laws and regulations established under the Fair Credit Reporting Act ( FCRA ) that safeguard consumer rights : Fair Credit Reporting Act ( FCRA ) Section 609 : This section empowers consumers to request disclosure of their credit report and dispute any inaccuracies or fraudulent entries therein.

Fair Credit Reporting Act ( FCRA ) Section 611 : This section mandates credit reporting agencies to promptly investigate and address any disputes raised by consumers regarding the accuracy of information on their credit reports.

Fair Credit Reporting Act ( FCRA ) Section 615 : This section outlines the responsibilities of information furnishers, such as creditors and lenders, to ensure the accuracy and integrity of the information they provide to credit reporting agencies.

I urgently implore the Consumer Financial Protection Bureau to intervene in this matter and expedite the removal of these fraudulent entries from my credit report. Additionally, I request a thorough investigation into the origins of this fraudulent activity and appropriate actions against the perpetrators.

Enclosed with this letter are copies of documents supporting my identity and evidence of the fraudulent entries on my credit report.

Your prompt attention to this matter is greatly appreciated, and I eagerly await a swift resolution. Please do not hesitate to contact me if further information or assistance is required.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

in accordance with the fair credit reporting act the list of the accounts below has violated my federally protected consumer rights the privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
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. (NY)

Equifax never sent me my investigation results on a dispute I had made on XX/XX/2023 regarding a charge off from XXXX. Throughout these months Ive been calling to get the investigation results mailed to me and an agent says that they will mail it but I still have yet to receive it. Equifax was supposed to send the investigation results 5 days after the completion of the investigation which was on XX/XX/2023.
Consumer complaint received 2023-08-25
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. (AL)

I filed a police report for identity theft on XX/XX/XXXX for a XXXX account. I have sent letters to XXXX, XXXX & Equifax they have failed to remove this from my credit report. I filed a FTC report as well. I also had Inquiries I did not authorize on my credit report. I will list them : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-05
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. (KY)

On or about XXXX XXXX XXXX XXXX XXXX added a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX XXXX added a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX XXXX XXXX added a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX XXXX XXXX Iadded a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX added a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX XXXX XXXXXXXX added a inquiry to my credit file without consent from I XXXX XXXX
Consumer complaint received 2024-04-25
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. (CT)

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.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX