davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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. (DE)

I have Opt-Out from the financial institution XXXX XXXXXXXX XXXX to not share my non public personal information. See attached opt out letter dated XX/XX/year> along with previous CFPB complaint # XXXX against that institution.
Consumer complaint received 2024-07-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

Loan transfer to XXXX XXXX XXXX after request in writing by my respa rights They transferred loan anyway with mistakes already being made Putting XXXX different acct numbers under same address stated incorrect information and first payment due on XX/XX/year> Denied our respa request and rights And fraudulent information on acct and loan number transfer not even 30 days in and already a data breach In which XXXX XXXX XXXX repeat offenders of housing data with cfpb
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX conducted a credit inquiry on my credit without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your assistance.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AZ)

my cash app account was hacked and someone bought {$1000.00} dollars in bitcoin and thats was my rent money. i am homeless now. i have emails about my account being compromised and they said theyu would reimburse my account and this is all cash app support emails
Consumer complaint received 2024-07-31
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (IN)

Westalke financial is sueing me for a debt I no longer own due to them selling my car after repossession & neglecting to help fix my car after signing lease. Car had transmission problems & they did not check car before I bought vehicle and resulted in me loosing my job and facing hardships in life. I can not buy another vehicle because they are reporting inaccurate information on my credit report.
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)

On XX/XX/year>, I sent a dispute letter first class to XXXX, Transunion, and XXXX informing them that there are some unauthorized inquiries on my credit report. Furthermore, my information was compromised in the XXXX data breach in which I provided my claim Id. I have since submitted a FTC report to report this. I am attaching my dispute letter as well as my claim ID. These inquiries are to be removed from my credit report within 14 days.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (MO)

I, XXXX XXXX XXXX on or about XXXX, 2024 I applied for credit with Continental Finance and was Issued 2 Credit Card 's on XX/XX/year> Revel & Surge for a Total Credit Line of {$500.00} each. I then attempted to remain in honor by tendering payment for {$130.00} via an Ambiguous Negotiable Instrument in the form of a paid U.S. Postal Money Order ; which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Postal Money Order Serial Number 's XXXX and XXXX was made with the proper clauses and provision based on banking law in the amount of {$130.00} in accordance with HJR-192 ( The XXXX XXXX Act/Emergency Banking Act ), Public Law 72-10, U.C.C 3-603 ( b ), U.C.C . 3-311 and Public Law for Negotiable Instruments to Continental Finance ( XXXX ) on XX/XX/year>. 
They dishonored my instrument and did not credit my account correctly. Instead, they refused to stand in honor of the law by applying proper payment. They credited the account 's for {$45.00} each instead of the tendered negotiable amount of {$130.00}. Even with the agreeing that they do accept legal tender, which is what I provided ; and even with the ability for the instrument to remain negotiable which is an even greater benefit for them. 
I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have recently initiated disputes regarding certain accounts on my credit report that I believe are inaccurately reported. However, I have encountered significant delays and stall tactics in the resolution process, which has raised serious concerns about TransUnion 's compliance with the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. Upon reviewing my credit report, I have identified accounts that do not belong to me and appear to be inaccurately reported. As a responsible consumer, I promptly filed disputes with TransUnion to rectify these errors and ensure the accuracy of my credit information. However, the response I have received thus far has been unsatisfactory, marked by what I can only describe as stall letters that seem to prolong the resolution process unnecessarily. It is crucial to emphasize that under the FCRA, consumers have the right to dispute inaccuracies on their credit reports and expect a timely and fair investigation. The purpose of this process is to maintain the accuracy and integrity of credit reports, enabling consumers to make informed financial decisions. TransUnion 's apparent delay tactics not only undermine the intent of the FCRA but also create unnecessary stress and uncertainty for consumers like myself. Furthermore, I am deeply concerned about the failure to validate the accounts in question. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation into the accuracy of disputed information. By not validating the accounts that I dispute, TransUnion is not fulfilling its obligation under the law, and this raises questions about the integrity of the credit reporting process.I urge TransUnion to take immediate action to address these issues and ensure a prompt and thorough investigation into my credit report disputes. I believe that the resolution of these matters is not only in my best interest but also crucial for upholding the principles of fair and accurate credit reporting.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
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. (OH)

This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( s ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. PLEASE DELETE the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (CO)

Early this year, I asked the call representative at Discover to compensate me for the gift card I could no longer use at its defunct retail partner XXXXXXXX XXXX XXXX XXXXXXXX. My request was denied. The gift card issued by Discover card was my cash back reward accrued by my purchases as a Discover card member. 
The denial is an unfair and unlawful business practice due to no fault of my own.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by XXXX. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Citi Bank offered me a XXXX XXXX XXXX for purchases and balance transfers, along as XXXX dollars cash back after I spent XXXX on card which I never got. I called was hanged up on the phone XXXX  times. I got card in XXXX, and noticed last month I was getting charge interest. 
I would appricate any assistance. This is false advertisment.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX  XXXX bankruptcy filed on XX/XX/year>, should have been removed from my credit file for all XXXX credit bureaus because it has been over XXXX years. The inaccurate information is still being displayed on the credit file.
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2024-05-03
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. (DC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-24
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I pulled my credit reports and seen some information I can not verify so Im requesting you investigate the accounts listed below. Please see details on specific reasons Im challenging these accounts.

Furnisher : U.S Dept EDXXXX ( {$4100.00} ) Account number : XXXX DISPUTE ITEM : Collection account being furnished. 
DISPUTE REASON : I can not verify the validity of this collection account being furnished, I believe this is inaccurate REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA. 

Furnisher : U.S Dept EDXXXX ( XXXX ) Account number : XXXX DISPUTE ITEM : Collection account being furnished. 
DISPUTE REASON : I can not verify the validity of this collection account being furnished, I believe this is inaccurate REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA. Furnishe
r : XXXX XXXX XXXX. 
Account number : XXXX DISPUTE ITEM : Charge off being furnished by XXXX XXXX XXXX DISPUTE REASON : Balance unverifiable REQUESTED ACTION : I can not verify the balance on this account. Plese send me verification.

Furnisher : Dept ED XXXX XXXX with an original balance of ( {$2000.00} ) Account number : XXXX DISPUTE ITEM : Late payments from XX/XX/XXXX to XX/XX/XXXX DISPUTE REASON : I can not verify the validity of these late payments. I dont understand how I started with 90 days late without first being 30 or 60 days late REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA .

Furnisher : Dept ED XXXX XXXX with an original balance of ( {$3500.00} ) Account number : XXXX DISPUTE ITEM : Late payments from XX/XX/XXXX to XX/XX/XXXX DISPUTE REASON : I can not verify the validity of these late payments. I dont understand how I started with 90 days late without first being 30 or 60 days late REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA .
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.