davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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. (IL)

I am writing to bring to your attention serious concerns regarding inaccuracies in my credit report, as reported by XXXX, TransUnion, and XXXX. It has come to my attention that these credit reporting agencies are in violation of 15 USC 1681 and 15 USC 1666b by incorrectly reporting late payments from XXXX XXXX  XXXX, XXXX XXXX, and XXXX on my credit profile. 

Additionally, there is an entry from XXXX XXXX that does not belong to me, and I am requesting its immediate removal from my credit report. I believe this inaccurate information is not only damaging to my creditworthiness but also a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I request the removal of any inquiries that are not attached to open accounts. My personal information was compromised in the XXXX data breach, and as a result, I am concerned about the potential misuse of my credit information. Removing unauthorized inquiries will help protect my credit profile from any further harm. 

I have previously written to XXXX regarding certain discrepancies in my credit report, and to date, I have not received any response. As per the FCRA, it is my understanding that prompt attention and resolution are required in such matters. I request that XXXX address and rectify the issues raised in my communication promptly and ensure the necessary corrections are made to my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure compliance with the relevant statutes. The inaccurate reporting by these credit bureaus, the inclusion of unauthorized inquiries, and the lack of response from XXXX have adversely affected my financial standing, and I am seeking resolution to rectify these issues promptly. 

Enclosed with this letter, please find copies of the relevant sections of my credit reports highlighting the inaccuracies and unauthorized inquiries in question. I believe that a comprehensive review of the provided documentation will support my claims and prompt the necessary corrective actions. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will work diligently to rectify these credit reporting errors. Please inform me of any steps taken and the resolution reached. 

Thank you for your prompt assistance in this important matter.
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As of XX/XX/, XXXX began billing me for an alleged student loan I, XXXX XXXX : Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay an alleged loan. I am writing to address the matter of the student loan debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this student loan debt is not beneficial based on a careful consideration of various factors. 

Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged loan would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the work credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property. 

Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged loan, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. 

Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged student loan debt associated with my account in light of the trust relationship and equitable considerations. 

Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. 

Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. 

I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. 

Thank you for your understanding and cooperation.
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (DE)

My account was closed with a balance of {$1900.00} but I only received a check of {$10.00} dated XX/XX/2023. The remaining {$1900.00} is yet to be sent. I have tried calling several times but no assistance has been issued.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-04-24
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. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (NC)

I am receiving a debt from State Collection Service, Inc ( debt collector ) on behalf of XXXX XXXX XXXX. My mom was in one of their facilities in XXXX, NC ( XXXX ) and died on XX/XX/2023. Her rent was paid in full and she had no outstanding balances when she died. They turned this bill over to collections saying i owe the {$1200.00}.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-04-23
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. (LA)

I looked at my report back as of 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 or the intormation concering the individual about whom the report relates. These accounts ( XXXX XXXX XXXX XXXX Account # ( XXXX ), ( XXXX XXXX XXXX ) account # ( XXXX ), ( XXXX XXXX CO ) account ( # # # # # # # XXXX ), ( XXXX XXXX XXXX ) account number ( # # # # # # XXXX ) are ridiculously incomplete and not accurate. 
In accordance with the Fair Credit Reporting act. Accounts listed above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has probable cause to believe the information is inaccurate!
Consumer complaint received 2024-04-23
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. (MI)

I recently reviewed my credit report and discovered some inaccuracies and discovered fraudulent accIn accordance with the Fair Credit Reporting act, these Accounts being reported have violated my rights. 15 U.S.C. 1681 section 602 A States I have the rights 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 my written instructions. 
Delete this account : XXXXXXXX XXXX XXXX XXXXXXXXXXXX T HERE ARE SOME UNAUTHORIZED INQUIRIES ALSO
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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. Please remove the following items from my credit report, immediately : 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 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (WA)

On XX/XX/XXXX, Self reported a late payment for my Self XXXX  Credit card, when in fact, I had already made the minimum payment and had in fact, paid it EARLY. As of XX/XX/XXXX, their own app is showing no late payments, and shows the history of when I made payments to them. 

Yet, Self appears to not be utilizing their own information because they continued to report false information anyways, which is a violation of FCRA.
Consumer complaint received 2024-01-19
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)

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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (CT)

I received a letter from TD Bank titled " Information regarding your application for credit. '' The letter states : 'We received your application for credit and appreciate your interest in TD. After careful consideration, we regret to inform you that we are unable to grant your request for credit for the following reason ( s ) : YOUR INCOME IS NOT SUFFICIENT IN RELATION TO YOUR AMOUNT OF DEBT. 

I DID NOT apply for this credit. I informed TD Bank ( they are looking into it ) as well as XXXX who are also looking into it. XXXX recommended that I also file a complaint with you.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Credit Karma (CA)

My card was stolen I reported it multiple times to the bank they didnt do anything for weeks almost a month later they said they would disputed the charges the bank didnt investigate I sent them the requested information and they let Thieves steal my money and my identity I spent almost 3 hours on the phone with the dispute team and they did nothing to help all they told me was that I would get an email and when I got it to send two forms of Id which I did since then nothing has been done no investigation was made whatsoever and someone is out there spending money like crazy while this bank just lets them rather than file the dispute and investigate properly and protect their customers aka me cus the criminals who robbed and continue to rob me.
Consumer complaint received 2022-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

A letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX, stating that I owe them a debt for {$14000.00}. The Original Creditor was Bank of America, NA., who previously charged off the alleged debt. I have no contract with XXXX XXXX XXXXXXXX XXXX They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX XXXX XXXX XXXX. and Bank of America, N.A., about me is in direct violation of my privacy per the Privacy Act of XXXX
Consumer complaint received 2024-01-19
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. (GA)

I recently checked my credit report and saw accounts reporting that I do not recognize. I also saw several of those accounts showing that i have had late payments. These unrecognized accounts are severely taking a toll on my credit report.
Consumer complaint received 2024-04-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company (ME)

In XX/XX/2023, I applied for an assumption due to a divorce, and the house was given to me solely with the understanding to refinance or assume the mortgage. I tried a couple of times, once with the previous mortgage company who then sold my loan, and XXXX  with Freedom Mortgage who told me I could not due to their rules. 
I spoke with my lawyer and she spoke with them telling them I could due to the fact I live in Maine. So I started the process again. Giving them everything needed and being told that It would take XXXX days for closing. 
They are continuously holding up the process by saying they need one thing or another, some I have already given multiple times. They said they were just waiting on the title company and then when I hadn't heard anything back and inquired they came up with the they needed this year 's information, the last XXXX years ' bank statements, my adoption subsidy because now my daughter turns XXXX and they say that they need XXXX years even though the State Of Maine provided letters for each child. 
It is XXXX hold up after another and we should've closed by now. I provided this year 's tax return showing my income went up from the previous one I provided. My credit score went up and I have been paying on the house without missing payments ( excluding Covid I had deferments. ) I am frustrated because now with all the information, they have my divorce decree and state they need a notarized letter from the courts stating I can assume the loan even though my divorce states the property was granted solely to me. 
I am a XXXX  XXXX  who is XXXX XXXX XXXX, working, and raising my kids. I feel like they are not upholding their commitment to the XXXX days due to if I refinance they would make more off the loan. I can not afford an 8 % interest rate and have the right to assume a loan that is and has been in my name. 
I am not sure where to go. With the current market, it is not feasible for me to sell as I am not able to find a home that would fit my budget and have to uproot my children. The one who is processing my loan has lost my paperwork and wants me to resubmit. 
I am frustrated and feeling hopeless.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I understand that TransUnion supposed to report Maximum accuracy on the consumer report.Today I looked on my consumer report in seen they they where reporting a inaccurate account that needs to be deleted immediately for failure on report accuracy this account does not even have a account number reporting.Also it was a charge off with a 1099-c form which is a cancellation of debt so its a tax write off and should not be reporting also. I will file a 3949-a form to the IRS FOR TAX FRAUD FORM THIS COMPANY IF NOT DELETED IMMEDIATELY I KNOW MY RIGHTS AS A CONSUMER AND I AM Exercising them as a consumer this is illegal activities delete this account immediately and do respond back saying this account is accurate or verified because its not so delete it now