davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
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. (GA)

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. 
Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was a victim of Identity Theft, my former roommate opened a XXXX XXXX  with XXXX XXXX Credit Card account in my name and pretended to be me racking up thousands of dollars in debt that caused my credit score to tank. In addition, I lost my employment between XXXX XXXX XXXX which put me further into debt along with losing my home, my car, being homeless for nearly two years with no unemployment, no family, no friends and various mental health issues that have prevented me from being employed. I AM ASKING THAT THEY COMPLY LIKE THEY SHOULD AND REMOVE BOTH ACCOUNTS FROM MY CREDIT REPORTS ALONG WITH THE REIMBURSEMENT OF LEGAL FEES. I AM SICK OF THIS SITUATION WHICH HAS PREVENTED ME FROM WORKING A REGULAR JOB AND HAVING A PERSONAL LIFE
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NY)

I have had a XXXX credit card for several months. I set up auto pay as I travel frequently and do not want to miss a payment. I recent ; y returned from an extended trip as I had lost my job to find that three months of charges, totalling {$12000.00} had not been paid. As a result of this i am being charged almost {$1000.00} in fees and interest. 
I conatcted Wells Fargo who manage XXXX 's processing and they claim there is nothing that they can do and that is a XXXX problem XXXX have not responded after several days of attempting to contacrt a live person. 
The charges were from XXXX, XXXX and XXXX of this year
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
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. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. The 3 credit bureaus to validate these items. It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$6800.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I am currently a operating member of a LLC listed as personal guarantor for a XXXX  XXXX XXXX auto loan. The loan is listed as a personal joint loan on my personal credit file. I contacted XXXX twice and they tell me that everything appears to be in order with my loan and that I must dispute with the credit agencies. The credit agencies ( all 3 ) tell me the listing on my report is correct and that I need to work with XXXX to rectify. I am not sure who should own this but its affecting my personal credit standing due to this auto loan.
Consumer complaint received 2024-05-09
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. (TX)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XX/XX/2023
Consumer complaint received 2023-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (AL)

Account info Account name PROFESSIONAL DEBt Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$7100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$7100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX. This company is attempting to collect unauthorized charges. This is fraudulent
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$390.00} XXXX  XXXX Balance : {$380.00} XXXX XXXX Balance : {$150.00}
Consumer complaint received 2024-05-09
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. (NJ)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (AL)

There were debt on my account that is a sibling that has the similar social security and name as me and is reported by the credit bureau to my credit profile, i have had to get a lawyer in the pass to get this issue resolved. Also my car was broken into and as a result my information was used due to fraud,
Consumer complaint received 2024-05-09
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. (IN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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 2024-05-09
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 It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I went in the XXXX  branch to open an CD account and later that day I proceeded to try an access my mobile banking app. I received an error message, and I was unable to gain access to my account. I called customer service, and they told me I needed to call fraud department, to verify some transactions. I spoke with a customer service representative to verify the transactions, they proceeded to tell me after farther review they have decided to close my account. That in 30 to 60  days I will receive a letter in the mail explaining why, and XXXX receive a certified check with any funds remaining in the account. This all happened randomly on the day after my tax return was deposited into my account. I have been calling XXXX  for the last 2 to 3 months asking for updates, and stating to them I need my money. I have bills to pay, and they have said they have noted and sent an email to escalate the matter so that someone can contact me. No one has contacted me or has helped me with my situation.
Consumer complaint received 2024-05-09
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. (MA)

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX - XX/XX/2023
Consumer complaint received 2024-05-09
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. (TX)

XXXX XXXX account number XXXX claim I made a late payment which in XXXX. I have disputed this twice because they have not been able to provide accurate documentation to prove how much I owed at the time of lateness and which month exactly I was 30 days late. They also report different months of lateness to all 3 credit bureaus as showed in the attached document. They report a follows : Transunion : XX/XX/year> XXXX : XX/XX/year> XXXX : XX/XX/year> XXXX
Consumer complaint received 2024-05-09
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)

I am writing to you for the fifth time to address the unresolved issues on my credit report, specifically regarding late open accounts and a charge-off account that is inaccurately tiedup to open accounts. Despite my previous attempts to rectify these matters, the credit reporting agencies have failed to take appropriate action to correct the inaccuracies. These unresolved issues continue to have a detrimental impact on my creditworthiness and financial standing. 

I request that you intervene to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). This includes promptly correcting the late open accounts and removing the inaccurately tied charge-off account from my credit report. Furthermore, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address these issues in a timely and satisfactory manner. With this, I am asking for your assistance to remove the charge off account and correct the late open accounts in my credit file : XXXX XXXX XXXX  Balance : {$990.00} ; XXXX XXXX XXXX  Balance : {$290.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$710.00} - tied up charge off to open account.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurately reported, with incorrect amounts and dates.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2024-05-08
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. (PA)

FCRA 605B, I believe, mandates the elimination of any erroneous accounts from my credit report. Could you verify the documents? Several of the listed accounts contain inaccuracies concerning reporting, such as inaccurate amounts and dates.
Consumer complaint received 2024-05-08
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. (TX)

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. Please see screenshot attached : Sincerely, XXXX XXXX
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-08
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. (NY)

My complaint to the CFPB lays bare XXXX ' disregard for accuracy and fairness in reporting to the credit bureaus. Despite my relentless pursuit fix this issue, XXXX has callously neglected to investigate this matter with due diligence.Let me state the facts. XX/XX/XXXX, I made a payment using a money ordera payment method known for its reliability and certainty. Yet, XXXX shamelessly persists in falsely claiming default on the payment plan despite them admitting themselves a payment was made on XX/XX/XXXX. This flagrant injustice is not merely an isolated incident but a damning indication of XXXX ' systemic failure in reporting practices. XXXX XXXX in a letter mailed ( I have confirmed that your XXXX XXXX account is reporting accurately as charged off, with a balance of {$1200.00}, and in dispute by the consumer. We have verified that the tradeline is reporting as in dispute with the consumer reporting agencies since XX/XX/XXXX. 
The integrity of the credit reporting system relies upon the accuracy of information provided ; submitting the update you requested would create an inaccurate representation of your account. 
As such, we are unable to honor your request to remove the associated delinquencies or tradeline from your credit report ) yet they continue to furnish inaccurate information to the credit bureaus. It's unconscionable that even XXXX years later, on XX/XX/XXXX, my credit reports still reflect XXXX ' mistake. This settlement was completed in XX/XX/XXXX, yet XXXX persists in its dishonesty despite confronted with clear irrefutable facts Money orders do not bounce! XXXX inexplicably continues to perpetuate this falsehood. It's time for XXXX to acknowledge their wrongdoing and take immediate action to rectify this injustice.
Consumer complaint received 2024-05-09
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. (LA)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
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)

I've always made sure that payments on this account are timely, ensuring they are never overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

Regarding Umpqua Bank ...... 
On XX/XX/XXXX 1 check was cashed that was in another company 's name and address and not our signatures, total withdrawn from our account was {$2700.00}. This business name on the check is XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX 3 checks were cashed that was in another company 's name and address and not our signatures, total withdrawn from our account was {$6700.00} The business name listed on these checks were XXXX XXXX XXXX. One of these checks was written for {$4700.00} but written as XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX. They deducted the {$4700.00} On XX/XX/XXXX 2 checks were cashed that was in another company 's name and address and not our signatures, total withdrawn from our account was $ {$6400.00} The business name listed on these checks were XXXX XXXX XXXX. 
On XX/XX/XXXX 1 check was cashed that was in another company 's name and address and not our signature, total withdrawn from our account was {$4800.00}. The business name listed on these checks were XXXX XXXX XXXX. 
On XX/XX/XXXX 1 check was cashed that was in another company 's name and address and not our signature, total withdrawn from our account was {$2400.00}. The business name listed on this check was XXXX XXXX XXXX.