davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

Hello, I opened Business-Checking account in USbank with XXXX XXXX check from my customer around XX/XX/XXXX and that check is cleared and still on my account, after XXXX week later I deposit my USbank account another check from my other personal checking bank account but forgot to transfer money from my saving account to my checking account and my second check returned after that USbank close my account and doesn't give me my fund since 3 months. The bank policy show that that they should pay me my money back in any USbank branch with my ID. In that USbank branch everybody says different things to get my money back or they like to play with my money. I got email today that they want to talk or meet with my first check maker. That check is cleared since almost 4 months and " Once a check is cleared, the payer can't reverse it and get their money back. 
What should I do now? 

Thank you. 
Regards,
Consumer complaint received 2024-01-18
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)

A few fraudulent accounts are reporting my on credit report. I have attached a new FTC report along with my DL and Passport. I have contacted the credit bureau regarding these fraudulent accounts on my credit profile and also sent the document via mail back on XX/XX/2023. I gave them 15 days and called back to be told by the agent that they did not receive anything. They also told me to get a new FTC report. This situation has caused serious XXXX. I had to go to the XXXX XXXX to purchase XXXX.
Consumer complaint received 2024-01-18
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states that I have the right to privacy.

15 U.S.S 1681 section 604A section 2 states that a consumer reporting agency can not furnish an account without my written instructions In the first week of XXXX XXXX I sent a letter to the three credit bureaus requesting they verify everything on my report specifically XXXX XXXX XXXX  Account # XXXX. I was not provided all the information i asked for in validating the debt in regards to XXXX XXXX XXXX  Account # XXXX. All three reporting agencies came back with the debt of this account verified. However, they did not provide the information I asked for and there multiple discrepancies between the agencies ' reports. These items are different between the agencies ' reports : -Date of last payment -Date last reported -Date last active -Date opened These can not all be accurate. All information on my credit report must be accurate and verifiable. They are reporting all different information after claiming they have verified it.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX, XXXX and Tranunions Account Name : XXXX XXXX XXXX XX/XX/year> XX/XX/year> XX/XX/year> need to remove Late payments
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I mailed Midland Credit Management several letters asking for a true bill of commerce and a wet signature stating we are in business agreement to no avail. They are attempting to collect a debt not owned by their entity and unlawfully so by manners of legalese which are trumped by law codes via the U.S.C. I have to permit them to furnish an account which why they constantly mail me threats of litigation in hopes that I do not respond. My rights are being violated and the credit card company has venued my credit from the treasury to furnish an account and with draw funds and then issue them back to me in debt notes. This being the reason for the national debt, confiscating all gold and their way of avoiding bankrupting the U.S. for the 4th time. The government has an obligation to pay all debts under Public Law 73-10/HJR192 of 1933 as proof to back up my statements.

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 an account without written instructions 15 U.S. Code 1692c Communication in connection with debt collectors ( c ) ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 1 to advise the consumer that the debt collectors further efforts are being terminated ; 2 to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or XXXX where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
IF SUCH NOTICE FROM THE CONSUMER IS MADE BY MAIL, NOTIFICATION SHALL BE COMPLETE UPON RECEIPT.
Consumer complaint received 2023-09-01
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. (OR)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
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. (FL)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information may have got into the hands of the wrong person as I have been a victim of fraud.
Consumer complaint received 2024-01-18
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. (LA)

I have unauthorized inquiries on my credit report, these companies do not have permissible purpose for these inquiries. Please remove them ( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), 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
Consumer complaint received 2024-01-18
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)

XXXX ( Original Creditor : XXXX XXXX  ) Account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Balance : {$280.00} This account is being illegally and incorrectly reported on my consumer report. It is not mines. It is affecting my financial well being and spilling over to my personal side. I need this account removed from XXXX, transunion and XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX is reporting 30 days late on a closed account and reported 2 late payments during loan installment. Both of these issues are not true. The account is paid off in full and closed and all payments were made on time.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-01-18
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. (PA)

I have Opt-Out from XXXX XXXX XXXX XXXX and set a letter on XX/XX/2024 which is attached to this complaint. See previous CFPB complaint # XXXX regarding this.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

THIS IS NOT A DUPLICATE COMPLAINT! 
Transunion is lying and they are violating my rights. It is their duty to treat every dispute as an accurate one and proceed with the proper investigation. We ARE NOT in litigation! There is no litigation pending and any prior litigation has been settled ( see attachment named signed documents transunion ). They took on this duty and as taking on this duty it is their grave responsibility to ensure each report is reporting fairly and accurately. They neglected my complaint and said we are in litigation together which is false. This is unfair and deceptive practices that violate my rights as a consumer. PLEASE TREAT THIS DISPUTE ACCURATELY, or I will be force to make a complaint to the states attorney general. 

THIS IS NOT A DUPLICATE COMPLAINT! 

I, XXXX XXXX am a natural born live and breathing human being, Pursuant to 15 USC 1681 section 602 states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX, XXXX, TRANSUNION, XXXX XXXX, XXXX is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days. 


UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW. This is not a duplicate complaint. I am clearly stating this complaint is not duplicate. Please do NOT IGNORE ME.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Assist me in solving this problem. Also, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Take this chance to correct all the errors. Send me a copy of my credit report as soon as your investigation is done.
Consumer complaint received 2024-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (NC)

Wakefield & Associates did not apply a payment. The company sent a statement # XXXX dated XX/XX/XXXX for {$35.00}. It was for services received on XX/XX/XXXX. A check dated XX/XX/XXXX for {$35.00}, along with the statement remittance stub, was sent to Wakefield & Associates.The statement number to which to apply the payment was written clearly on the check face and the amount was noted on the remittance stub. Wakefield & Associates has not yet reflected the debt as paid after phone and several email contacts! They have been uncooperative and do not have incentive to be so.! 

A statement to collect the paid debt was received in XX/XX/XXXX from XXXX. I notified them to debt was paid to Wakefield & Associates. A copy of the canceled check was sent to XXXX and Wakefield & Associates in an email. No further contact was received from XXXX. XXXX said uncollected debt passes from one company to another. A statement to collect the paid debt was received from XXXX XXXX XXXX in XX/XX/XXXX. A copy of the canceled check payable to Wakefield & Associates was sent to XXXX. We have not received further contact from XXXX. 

It seems it will be necessary to notified succeeding debt collection companies the debt was paid to Wakefield & Associates in perpetuity until they show the debt as paid.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (IL)

On XXXX  XX/XX/XXXX I received in the mail an Ink Business Unlimited Card with a {$20000.00} credit access line. I did NOT apply for the card. I called Chase at XXXX on XX/XX/XXXX and immediately closed the card. I also asked for information pertaining to the application of the card and if the card was sent to any other addresses. I was told that I had to send my drivers license, fill out a complaint with indentitytheft.gov and write a letter requesting the application and mail it to Chase at : Chase Card Services XXXX Fact Act XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I do not want to provide more information to Chase if XXXX do not have to.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have notified the police, FTC, and collection agencies, and my private information was used to get these apartments and is currently being used for goods and/or services. This address is in the FTC affidavit in the personal information section as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraud addresses.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : I cant dispute payments online or though my online wells fargo banking app username is XXXX please read the attach of the error message below please fix it so I dont have to keep calling in because I am tired of calling in everytime when I need to do a dispute I like to do it over app and online faster not by calling in the the error say We can't process this dispute online. 
Please call us at XXXX ( XXXX ), XXXX hours a day, 7 days a week, for help with your dispute. Or, write to us at Wells Fargo Dispute Resolution Department, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

In XX/XX/year>, I received letter in the mail from my bank regarding unauthorized transactions that were not commenced by me. I noticed inquires and a credit card account that had been sitting on my credit reports for a while. I found out immediately after being notified ad calling the companies connected to the accounts, and they confirmed that it was by a person I was previously dating. I called him and he admitted to the fault with ambiguity, vagueness, and lack of conviction. His actions have damaged my consumer reports by lowering my credit scores, causing credit accounts I've had with other creditors to be closed, and causing my credit limits with other credit card accounts to be cut and lowered by maxing out my accounts. I demand that the unauthorized accounts and inquiries being reported be block and removed immediately in accordance with section 605B ( 15 USC 1681 c-2 ) of the Fair Credit Reporting Act.
Consumer complaint received 2023-04-27
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. (TN)

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 U.S.C 1681. 

XXXX XXXX, Account number XXXX, has violated my rights. 

XXXX XXXX XXXX, Account number # # # # # # XXXX, has violated my rights. 

XXXX XXXX, Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 604A states that I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 or any other adverse item of information, other than records of conviction 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 have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX, Tranunions and XXXX didnt remove late payments need to remove Late payments from XXXX account XX/XX/23 XX/XX/23 XX/XX/23 ( XXXX XXXX XXXX ) Im showing proof each payments was made on time
Consumer complaint received 2024-01-18
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. (TX)

I noticed some credit inquiries on all XXXX bureaus XXXX, trans union and XXXX  that i didn't authorize or initiate. i, m concern about how this might affect my credit score.here is a quick rundown : 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  and XXXX XXXX XXXX. i take my personal information very seriously and i haven't applied to any of this credit recently or given anyone the permission to check my credit. please kindly remove the above mentioned lenders on my profile. thank you
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$5200.00}.