davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these accounts.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$950.00} XXXX In accordance with the Fair Credit Reporting Act, These Accounts have 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-28
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)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! XXXX is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Addresses are wrong. I never lived at the following addresses XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (CT)

A cash deposit in amount of {$350.00} was made on XX/XX/year>, bringing my account balance to - {$41.00}, below the overdraft threshold amount of {$50.00}, set by TD Bank, Please note, the deposit showed as " pending '' even though it is cash and made with a teller at XXXX, CT branch, the pending status may or may not have to do with overdraft fee charged ... An overdraft fee appears to have been charged for a paid item in amount of $ XXXX XXXX XXXX. As far as I understand, the overdraft amount, - {$41.00}, is below the threshold and a fee should not have been charged, unless I am mistaken. I attempted to reach TD Bank corporate office in re, unable to reach a live XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

My complaint is against Equifax. 

Each time I attempt to log in to the online portal, I am denied access, forcing me to call in for assistance. During these calls, I am again asked to provide the same sensitive information, which raises concerns about the security and efficiency of your verification system. This repetitive process is not only time-consuming but also frustrating, as it hinders my ability to manage my account effectively. 

I understand the importance of security, but this level of redundancy is unnecessary and seems to indicate a failure in their system. I respectfully request that they address this issue promptly, as it is causing undue stress and inconvenience. 

The representative I spoke with today, XXXX, said that since I was refusing to provide my documents ( for the 3rd time ) that he could not assist me.
Consumer complaint received 2024-06-28
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. (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 2023-07-24
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-11
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX 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 2024-05-30
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (FL)

I am behind on my home and was forced to file bankruptcy chapter 13 it was XXXX because trustee demanded I pay 3 months I didnt have at once Im able to pay monthly, I requested a derrferal, ballooon payment but whats behind on the rear of the mortgage and no options are available. I worked with XXXX and am familiar with modification review process and they had me send docs and deny it without even reviewing it and continue to mail me mod packets to fill out after verbally denying me over the phone. But fail to mail denial letters. I would like the denial letter and reason for modification review. When I filed XXXX XXXX the agent I spoke to at shellpoint read me the XXXX and have been contacting me only via email to modify review but every time I call Im denied before anything is reviewed. I have XXXX daughters and this is our primary and only home please help me save my home.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I have a XXXX account with Marcus by Goldman Sachs. On XX/XX/2024 I submitted a request to withdraw XXXX dollars.. The transfer was pending for a while then got reversed, I called the customer service and told me to make another transfer to another funded account that is linked to my savings account with them and should receive my money the next day. 
I did that and submitted another request to make a transfer from my Marcus XXXX Account to my checking account with XXXX. Unfortunately this transfer was also reversed and they even put a freeze on my account and locked all the money that I have.. I called them multiple times and none of the representatives was able to help! They keep transferring my calls between them and giving different and unrelated excuses, I provided them with all my personal information and still cant access my money or withdraw any amount, They completely disabled the option to transfer money in or out, and they put my calls on a super long hold.. I am very stressed and XXXX sick of what they have done, I am unable to pay rent, bills, food because of they are holding all my money.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

I have requested a letter of Validation. They have sent a letter back, however within that letter was a balance that did not match my credit report. I have been disputing with the credit bureaus for years, and they have not resolved these inaccuracies. That is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (CA)

I have contacted the below companies and XXXX under the CFIPA & FRCA andhave instructed them NOT to share my personal nonpublic information with affiliates that they have control over and non-affiliates that they do not have control over. My request has been ignored. XXXX is now and continues to report stolen information. CARMAX continues to share and disseminate my personal information without authorization, which qualifies to be reported as Identity theft. As a consumer, I expect my rights to be respected, and any unauthorized sharing, use and merchandising of my personal information is unacceptable. I kindly request that the CFPB investigate this matter promptly and take appropriate actions to ensure that my information is no longer shared, used and/or merchandised with third-party sources without my explicit consent. Additionally, I would like for these accounts to be removed immediately from XXXX systems, as the continued reporting of my information without my consent constitutes a serious breach of privacy and data protection regulations and may be construed as facilitating identity theft.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$4900.00} XX/XX/2018 NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX INQUIRIES NOT RECOGNIZED XXXX XXXXXXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (CA)

I have contacted the below companies and XXXX under the CFIPA & FRCA and have instructed them NOT to share my personal nonpublic information with affiliates that they have control over and non-affiliates that they do not have control over. My request has been ignored. XXXX is now and continues to report stolen information. The companies listed below continue to share and disseminate my personal information without authorization, which qualifies to be reported as Identity theft. As a consumer, I expect my rights to be respected, and any unauthorized sharing, use and merchandising of my personal information is unacceptable. I kindly request that the CFPB investigate this matter promptly and take appropriate actions to ensure that my information is no longer shared, used and/or merchandised with third-party sources without my explicit consent. 
Additionally, I would like for these accounts to be removed immediately from XXXX systems, as the continued reporting of my information without my consent constitutes a serious breach of privacy and data protection regulations and may be construed as facilitating identity theft.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

duty pursuant to the FCRA, it is EQUIFAXs to be reporting correct and accurate information on my XXXX XXXX  and XXXX however they are NOT. EQUIFAX is reporting XXXX inaccurate late payment for the XXXX XXXX Colorado XXXX XXXX account closed on XX/XX/XXXX. This includes a XXXX day late payment posted in XX/XX/XXXX. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to XXXX U.S.C. XXXX ( d ) ( XXXX ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating XXXX XXXX. XXXX ( a ) ( XXXX ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe XXXX  and XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (IL)

UNITED AUTO CREDIT CO Inquiry on my credit report four times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my permission. At the time I had XXXX and just had a XXXX XXXX and XXXX. I was not looking for a car because my license was expired. I also could see due to the XXXX
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I deposited a check for settlement for the price of XXXX and Huntington held it for a week and XXXX  I was told my hold was released but still wouldnt let me in my account I called and I was told my account was terminated I went down to Huntington they couldnt see anything so they called a different building and told me my account was closed for suspected fraud how do I get my money from my check or get my account back open
Consumer complaint received 2024-01-28
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. (NY)

In accordance with the Fair Credit Report act. ACCOUNT XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights. The next account request removed pay late. XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX. In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-08-15
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. (FL)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has yet to update my credit report with accurate information regarding my student loans. Ive sent numerous letters to them directly for them to update this information. XXXX should not reflect balances still owed due to transfer of providers in 2023. My XXXX balance should show paid in full. This is hurting my credit and if this balance isnt corrected I will be filing a law suit with monetary gain. 
By law the credit bureaus have to report ACCURATE information. For the final time before legal actions, please update my XXXX account balances to reflect XXXX/ paid on full.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.