davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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. (CA)

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report # XXXX. Again, Im sending over FTC Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an erroneous credit report entry, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please note that you have 4 business days to remove the reporting of any inquiries in my credit file that resulted from an erroneous credit report entry. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Consumer complaint received 2024-01-19
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted the credit bureaus on multiple occasions regarding information on my credit report including my personal information. I am a XXXX and some of my fathers information is linking to my credit report. 

Subject : Dispute of Incorrect Information on Credit Report Credit Report Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute incorrect information on my credit report. According to my records, there are several inaccuracies in my personal information listed by your bureau. My correct details are as follows : Legal Name : XXXX XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX, XXXX, GA XXXX Current Employer : XXXX XXXX The incorrect information listed on my credit report is as follows : TransUnion Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ) Employer : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX Employer : XXXXXXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

Please correct the above inaccuracies and send me a corrected copy of my credit report. Additionally, please confirm in writing that these corrections have been made. I have included copies of my driver 's license and a utility bill to verify my identity and current address. 

Thank you for your prompt attention to this matter. Please inform me once these changes have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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)

TransUnion [ TransUnion Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Credit Information and Violation of Consumer Rights Dear Sir/Madam, I am writing to dispute inaccurate information in my credit report and to address violations of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have reviewed my TransUnion credit report and found the following item ( s ) to be incomplete and inaccurate : Item ( s ) in Dispute : XXXX  XXXX Account Number : XXXX XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX These accounts have violated my rights under the Fair Credit Reporting Act ( FCRA ) in the following ways : Violation of 15 USC 1681e ( b ) : According to this section, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccuracies and incomplete information present in my report indicate a failure to adhere to this requirement.

Violation of 15 USC 1681i ( a ) ( 5 ) : This section mandates that if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency shall promptly delete or modify that item and notify the furnisher of the change. The information in my report remains uncorrected despite being inaccurate and incomplete.

Violation of 15 USC 1681s-2 : This section prohibits any person from furnishing information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The continued presence of these disputed accounts on my credit report demonstrates non-compliance with this provision.
Consumer complaint received 2020-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

I used Cash app square , Inc app to make a stock purchase. I made an order over the weekend. The stock purchase was supposed to execute at XXXX on Monday XX/XX/20. I was supposed to be {$4000.00} purchase of stock XXXX at {$9.00} per share. But the CashApp company did not make the purchase at XXXX. I submitted a cancel order request at XXXX. But as I submitted the cancellation request, the company actually made the purchase at {$13.00} per share. I did not authorize the purchase. I contacted the company through email on several occasions about the unauthorized trade but they have been unresponsive. They do not have a telephone number available to customers. I would like a refund of my money.
Consumer complaint received 2024-05-20
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. (MO)

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 2024-05-20
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. (TX)

You are in violation of the FCRA for continuing to report late payments on the account XXXX XXXX when the creditor submitted a manual update in XX/XX/2024. The creditor responded to CFPB complaint XXXX stating that the account qualified for a credit adjustment and that the credit agencies would be notified and to expect the update within 30-45 days. It has been well over 4 months and this account remains. Please see the attached response from the company and remove this account within 7 days.
Consumer complaint received 2024-05-20
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. (MI)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2023-09-25
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-05-20
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. (AZ)

The List of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are suppose to 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 2024-08-01
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. (IN)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Data Mortgage Inc. (VA)

Ive called several times requesting the website be updated to allow payments to processed regular without including a late fee. Its deceptive practices to force customers to pay late fees in order to make a payment via any available payment methods on their mortgage. The loan promissory note states all fees must be paid in full at the end of the loan in order for the loan to be satisfied as paid in full. When asked to speak with a supervisor no one is NEVER available callbacks are promised but NEVER returned Im still pending four call backs from three months ago and the most recent being two days ago.
Consumer complaint received 2024-05-20
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)

Subject : Complaint Regarding Violation of My Consumer Rights Under 15 USC 1681 I am writing to formally raise a complaint regarding the violation of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ). The following accounts on my TransUnion credit report have breached these rights : 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 Upon reviewing my TransUnion credit report on XX/XX/2024, I identified several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported ( 15 USC 1681e ( b ) ).

Additionally, as outlined in 15 USC 1681i ( a ) ( 5 ), the FCRA mandates that if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must : Promptly delete or modify the item of information as appropriate based on the results of the reinvestigation.

Promptly notify the furnisher of the information that the information has been modified or deleted.

Furthermore, 15 USC 1681s-2 prohibits any person from furnishing information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Given the discrepancies noted in my credit report and the obligations outlined by the FCRA, I request the following actions : A reinvestigation of the inaccurate or incomplete information listed in the aforementioned accounts.

Prompt deletion or correction of any verified inaccuracies or incomplete data.

Notification to all furnishers of the modified or deleted information, as required by law.

Please acknowledge receipt of this complaint and inform me of the actions that will be taken to address these issues within the timeframe prescribed by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2023-03-24
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. (CA)

I checked my credit report and found that some of the data were incorrect. XXXX is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the issues as needing investigation and correction due to inaccurate reporting in my file. Please correct this. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance {$99000.00}
Consumer complaint received 2024-05-20
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)

PLEASE BLOCKED AND REMOVED I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (VA)

Credence Resource Management XXXX has placed a collections account with XXXXXXXX XXXX XXXX on my credit report which is false. I called Credence on Friday, at this point I had no idea what the collections was for or regarding. XX/XX/2023 because they had placed an account with XXXX XXXX on my credit report I explained to Credence representative that I have never had an account with XXXX XXXX, they stated it was from XXXX XXXX, which I also have not had. I asked about correspondence and why I have not received phone call or a bill and they stated they emailed me in XXXX, which, if they did it wasn't on my email. They stated they received the account in XXXXXXXX XXXX XXXX, sent an email in XXXX and placed it n collections on XX/XX/2023. After continuously going back and forth with the supervisor on Friday evening, who was trying to do everything he could to get payment or a small payment and a payment plan he kept telling me if I made a payment it would be off my credit report in 14 days. I knew this was untrue and ended the conversation. I called XXXX XXXX today, XX/XX/2023, to inquire about the collections. The representative took my information, and him and a supervisor looked at history and current accounts and verified I owed nothing and there was no account under my name at all in there records. I now have a collections on my credit report for {$520.00} that has caused my credit score to drop XXXX points in the midst of trying to find a home by XX/XX/XXXX and they check my credit score for approval. Please advise me of any steps I need to take from here and how to remove this from my credit report. Thank you.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

On spring break I travel to the florida on XX/XX/XXXX XXXX XX/XX/XXXX of 2023 my card was lost. And saw this transactions charge in my card of XXXX dollars and more transactions that I did not did it, my internet connection was terrible over there, and I called on XX/XX/XXXX to report to the td bank credit card and they say ok they will continue a investigations and it pass so many months just to tell me, there is no enough evidence to help me. I am so concern about this transaction and would like more help please
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I filed a complaint with CFB on XX/XX/XXXX # XXXX about a modification issue with Bank of America. Instead of them helping me with the issues of the modification since XX/XX/XXXX they have closed without warning my Bank of America Credit Card, they have suspended my Bank of America Line of Credit and they have reported me to the Credit Reporting Bureau damaging my XXXX credit score down to XXXX. This is after both XXXX XXXX and XXXX XXXX from Bank of America both told me back in XX/XX/XXXX/XX/XX/XXXX that while I was going through the modification process late or missed payments will not effect any of my accounts. I have also lost my credit for direct withdraw and after almost 2 months of working with XXXX XXXX BOA has not helped me but has made things worse
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (ME)

Company will only let me redeem my rewards points as a statement credit or direct deposit to the original checking account linked to the credit card. That checking account is closed. I have a {$0.00} balance and dont plan on using this credit card ever again. The company will not allow a direct deposit to another account.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.