davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am filing this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information on my report includes the following : A charge-off account with XXXX XXXX, marked as charged off as bad debt, with a balance of ( private ), updated in XX/XX/XXXX. A hard inquiry from XXXX, XXXX on XX/XX/XXXX. Collections reporting includes XXXX XXXXXXXX with the original creditor being XXXX, balance of ( XXXX  ), updated on XX/XX/XXXX ; XXXXXXXX XXXX XXXX with the original creditor being XXXX XXXX XXXX XXXX, balance of ( XXXX  ), updated on XX/XX/XXXX ; XXXX XXXX  with the original creditor being XXXX XXXX, balance of ( XXXX  ), updated on XX/XX/XXXX ; and XXXX with the original creditor being XXXX, balance of ( XXXX ), updated on XX/XX/XXXX. Accounts closed and marked as delinquent include XXXX, listed as a collection account with a balance of ( XXXX  ), updated on XX/XX/XXXX, and XXXX XXXX XXXX, marked as closed with a balance of {$XXXX}, updated on XX/XX/XXXX. 

These fraudulent accounts and inquiries have resulted in several inaccurate items appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question and a copy of my consumer XXXX credit report maintained by you, which shows these fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # [ your actual case number here ] as proof from the XXXX Federal Trade Commission.
Consumer complaint received 2023-12-15
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. (FL)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-14
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. (TX)

After numerous attempts to speak to someone over the phone, via their dispute site, and through mail, I sent a formal letter of intent to sue over the following FCRA violations. This was the only time that I received correspondence. 
Numerous Privacy violations FCRA VIOLATIONS INCLUDING REPORTING OLD/OUTDATED INFORMATION, MIXING MY CREDIT FILE WITH MY FATHER 'S ( WHO HAS THE SAME NAME AS MYSELF, AND HIS WIFE AND MY WIFE 'S FIRST NAMES ARE THE SAME ) FAILING TO SEPARATE MY FATHER 'S CREDIT FILE FROM MINE. 
Failing to investigate a dispute REFUSING TO DELETE UNAUTHORIZED INQUIRIES XXXX XXXXXX/XX/year> AFTER A PHONE CALL FROM ME STATING THEY WERE NOT VIABLE, FAILING TO UPDATE RECORDS. 
Violating 15 U.S.C. 6802 WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

15 USC 1681 STATES TRANSACTIONS ARE TO BE EXCLUDED AND THE REPORTING OF LATE PAYMENTS IS ALSO ILLEGAL AND YOU HAVE ALLOWED SUCH THINGS ON MY CREDIT REPORT IMPERMISSIBLE CREDIT PULLS AND PRIVACY VIOLATIONS INCLUDING 15 USC 1681Q- OBTAINING INFORMATION UNDER FALSE PRETENSES, THEN VIOLATING 15 USC 6802 ( XXXX XXXX XXXX XXXX ) WHEN YOU DID NOT ENSURE THE PROTECTION OF MY PERSONAL FINANCIAL INFORMATION. 

18 USC 1028 A- THIS IS A FORM OF AGGRAVATED IDENTITY THEFT AND IM LOOKING TO PURSUE DAMAGES TO THE EXTENT OF THE LAW
Consumer complaint received 2024-09-12
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. (AR)

The right to contest my credit report is something that every XXXX has. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations. 
This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( XXXX ) and my updated personal credit report following any correction ( XXXX ). The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

I got a copy of my credit report and noticed a few incorrect accounts. Never received a phone call or letter or any other type or communication from them. I asked the credit bureaus to investigate and the results came accurate. I sent another letter asking how they verified the information and I haven't received any answer. I sent a letter to the collection company and they just sent me a generic bill. I respectfully asked for a proper validation with date of services and proof that statue of limitations wasn't expired and they sent me a letter saying that they can't sue me because the debt is old but they will continue reporting the account with the credit bureaus. They sent again the same copy of a generic bill as proof of validation. According to the XXXX bill they sent the dates are from 2019 which is totally false. I have had XXXX for the past 10 years under my husbands name. I am assuming they are re-aging an old account and is totally against the law.
Consumer complaint received 2024-09-12
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. (AR)

The right to contest my credit report is something that every XXXX has. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations. 
This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( XXXX ) and my updated personal credit report following any correction ( XXXX ). The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Consumer complaint received 2024-09-12
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. (NC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

This is with U.S. Bank Branch and I have been disputing ID Thief and Fraud with U.S. Bank since I first became aware of it in XXXX 

Please see attachments and that will summarize everything. 

CFPB complaint word doc is the complaint and will explain the case and will reference Attachment A and Attachment B ( 3 Parts ) Please read carefully to understand my situation and frustration. 

A XXXX Is attachment A B Attachment are supporting files. It's in 3 parts b/c it was too big for 1 upload
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I recently became aware that if I had direct deposit with Bank of America I should not have been charged a monthly maintenance fee of {$25.00}. I have had this account since XXXX  and they have charged my account a fee since that time. When I asked the branch manager why I was being charged he was apologetic and said that the practice of no fee for accounts with direct deposits had been in place for years. They agreed to waive the fees going forward and refunded me {$60.00}. They did not change my account or the account number they just adjusted something in the computer and said I would no longer be charged. I emailed their main office leadership team and someone from the Consumer Escalation Dept at Bank of America called me listened to my complaint and said they would raise up my concerns to the leadership team at Bank of America. Four days later they called me back to let me know they could not assist me with any additional refunds.

This is unfair practice they will continue to charge a fee to all the customers who never ask why and dont charge all new accounts being opened and or if the bank representative chooses to tell some but not all of the customers. To me this is inequitable treatment of customers who perhaps are not able or do not know to ask it is unfair and different treatment.
Consumer complaint received 2024-07-11
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)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are in accurate items on my credit report. The theft of my identity was also reported to the federal trade commission. 

Also, I have enclosed the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete these items. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish an account without written instructions. 

15 U.S. Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer. 
NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed immediately.
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (FL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here 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 XXXX XXXX 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 — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-04-25
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: Experian Information Solutions Inc. (NV)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

The company has acknowledged this error and has committed to remove the accounts. Other credit bureaus have already removed the accounts after the company recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within XXXX days. Therefore, I expect to receive your response within this time-frame.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I have spent over 15 hours on the phone with Best Buy citi bank. They transferred me multiple times to different departments. My identity was stolen and card used to purchase items back in XXXX ( over XXXX worth of items from a XXXX ). I submitted paperwork showing that our entire neighborhood was targeted. They keep saying oh yes, these charges will be removed- it is clear fraud. It is never removed and continues to gain interest. There are notes in multiple of their systems explaining the issue. They just never get it fixed. I have had to call and be re-routed weeks and weeks later. I am at my wits end. This is wholly unacceptable.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I lost 4 family members within 15 months all with USAA. I called them when my brother died 3 years ago and followed their instructions. They told me not to fill out any paperwork or do any small estate paperwork because they would mail the check anyway after 3 years from the date my brother passed. 

Called today and they are deceptive and told me something very different. Now I need to perform the act they advised against 3 years ago. 

By the way the reason I do not want to do a small estate is I do not know what dept or my brothers finances. USAA advised of this. 

They want to keep funds and being unfair, deceptive and their business practices are questionable
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Primus Law PC (UT)

On XXXX I called to find out more information on my account. While I was on the phone I was talked down to by the representative. I asked her to please work with me to help me understand what is going on and she kept interupting me, telling me I did not take care of the outstanding bill and spoke in a belittleing manner. I repeatedly asked her to please understand that I have some mental health concerns that prevent me from understanding things so if she could please help me. She continued to be very rude and I asked to speak to someone else and she was short, rude and put me on hold. I was able to talk to someone else and he was very helpful and provided me the information I needed to get this resolved. 
I would like to file a complaint about the company 's representative. Her name is XXXX XXXX and she works with Primus Law. 
XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) Primus Law Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Telephone number XXXX File # XXXX
Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Todd, Bremer & Lawson, Inc. (CA)

I was employed as a XXXX XXXX at XXXXXXXX XXXX  and someone who proceeding illegally acquired my SSN for unauthorized tasks, stripped my employee number and new access id and placed XXXX holds on my account and freezed my position as an employee blocking access to the old number and email and the welcome letters. They also took away part of my past academic accomplishments which was completed and they removed it from my diploma.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly.

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my credit score.

The ongoing presence of these fraudulent items has not only caused me financial hardship but has also severely eroded my trust in Credit Bureaus. As a loyal customer, I expected a higher level of service and security, both of which have been lacking in this situation.

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future.

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated. Please help me removed the following items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-07-17
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. (TX)

TransUnion Credit Solutions has been reporting an account on my credit report that is fraudulent. I have submitted a copy of the police report and FTC report, and TransUnion continues to report that the account has been verified as accurate. At this time Transunion has violated the FCRA, by not doing a reasonable investigation into XXXX XXXX XXXX XXXX that they are reporting under my social security number that they maintain under my social security number.