davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (TX)

In accordance with the FCRA these creditors has violated my rights. Under 15USC 1681 SECTION 602 states I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Under 15USC 1666B a creditor can not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose. Here 's a list of the companies XXXX  Upgrade, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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. (PA)

Dear Consumer Financial protection Bureau, I am writing to file a formal complaint against Equifax for their continued failure to delete a fraudulent account from my consumer report ( credit report ). This account has been reported by Equifax for over a year, despite my repeated requests to have it removed. The account in question is from XXXXXXXX XXXX XXXXXXXX, with the account number # XXXX, Stated amount {$1000.00}. 

I have already submitted a FTC Identity Theft Report, which clearly documents that this account is fraudulent and should be deleted from my consumer report. However, Equifax has refused to take any action and has continued to report this account, which has damaged my credit score and made it difficult for me to obtain credit or loans. 

Equifax 's failure to delete this fraudulent account is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite having knowledge of the fraudulent nature of this account, Equifax has not done any due diligence to investigate the information they have reported, which is a further violation of the FCRA. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to hold Equifax accountable for their actions and ensure that they comply with the FCRA. I am also requesting that Equifax take immediate steps to remove the fraudulent account from my consumer report and provide me with a corrected copy of my report. 

In addition, I request that Equifax block any further attempts by the fraudulent party to create or use accounts in my name. This is necessary to protect my identity and prevent any further damage to my credit score. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

The company sent a letter saying the charges were fraudulent and my balance was XXXX. However, I had already paid those fraudulent charges so my balance should be a credit. I no longer have the original card the charges were made on because the company gave me a new card!
Consumer complaint received 2024-01-14
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. (PA)

I was looking at my credit report and noticed there were some things that was not correct. I sent a letter to Transunion on XX/XX/XXXX.But it has been more than 35 days since the credit bureaus haven't responded. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-01-15
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected including the address : The only address that should be reporting on my file is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-13
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)

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.

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 2023-05-02
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-18
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. (TX)

XXXX {$390.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2023-12-05
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. (TX)

Iam requesting the removal of unauthorized credit inquiry/inquiries on my Equifax credit report. My latest credit report shows XXXX credit inquiry/inquiries that I did not authorize. I writing to dispute the following inquiries and asking for their removal from my credit report. From creditors : XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX U.S.C XXXX section XXXX A : States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to notify the bureaus take down my child support due to the new law that has been passed this year 2023 which is the FACT act That defines the word credit only when the collections is in connection with a credit transaction number two Credit Agencies must have a court order authorizing to report it written authorization to report it for a contractual agreement to report it permissible purpose and collections is in connection with the credit transaction which child support is not
Consumer complaint received 2024-01-14
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. (GA)

I checked my credit report and I noticed that was fraudulent accounts on my credit report I reached out to the companies and the bureaus to remove these accounts and they failed to do so
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX XXXX, Bank of America since XXXX, eh received multiple overdrafts, double charges, and triples repeatedly I travel a LOT I am a baseball player, between travel, marketing, companies, interviews, being the image of important brands, my business my time is limited then the comments that people are MAKING about you ( BANK OF AMERICA ) in the world of baseball. YOU ARE 3 strikeouts a day for a full baseball season ( IRRESPONSIBLE, ) AND YOU ARE STARTING TO LOOK REALLY BAD. AND SINCE I HAVE UP TO 6 YEARS TO REPORT THESE TYPES OF CHARGES ACCORDING TO MY LAWYER AND THE FTC, I NEED MY MONEY BACK FROM OVERDRAFF, SINCE XXXX  HEY BANK OF AMERICA I DO NOT OPT AT ANY TIME PROTECTION AGAINST OVERDRAFTS AND THIS IS ILLEGAL, BUT I THINK WE CAN REACH A NEGOTIATION WITHOUT HAVING TO GO TO COURT THAT LOGICALLY SUITS ME MORE THE COURT, BUT MY GOD IS THAT THEY ARE TOO MANY EXAGGERATED CHARGES ONE BEHIND ANOTHER ANOTHER ANOTHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ETC ETC AND A NUMBER OF CHARGES AND DOUBLE TRANSFERS, HERE I WILL LEAVE THE EVIDENCE, MY BANK STATEMENTS, I DO NOT THINK THEY NEED TO SEE MORE, BECAUSE ALL THE EVIDENCE IS THERE THEY NEVER RETURNED WHAT THEY TOOK FROM ME, AND NEVER HAPPENED ANY OF THOSE TRANSACTIONS, PHANTOM THAT BY MY BANK ACCOUNT NICIQUIERA WERE REFLECTED BUT IF THEY WERE DEBITED FROM MY ACCOUNT I NEVER HAD PROTECTION OF OVER DRAFF IN MY ACCOUNTS, never the eh authorized to have these AND IT IS SOMETHING ILLEGAL. SO FAR, I DEMAND 1-THAT YOUR RESEARCH TEAM MAKE THE ATTEMPT TO AT LEAST REVIEW THE TRANSFERS PLEASE. DO NOT LEAVE THE PAPERS THROWN INVESTIGATE INVESTIGATE BE WAITING for my money in 48 working hours or less, because as it is my money not yours!! I do not see that they have problems in proceeding my return I am sorry but if not, we will go straight to the press I ALREADY HAVE THE APPOINTMENT WITH XXXX AND XXXX, and WE ARE GOING TO GO TO TRIAL to the Court, today they did it to me tomorrow IT CAN BE TO THE Federal Trade Commission ( Federal Trade Commission, and CFPB ) is the national consumer protection agency of the United States IT SAYS THAT THE CONSUMER WHO FILES A COMPLAINT IS PROTECTED CUSTOMERS HAVE XXXX 6 YEARS IN THE UNITED STATES. 
I demand the compensation for damages and damage and fraud I demand my overdraft money I demand every double charge made I demand that you remove any credit history regarding Bank of America that for this same reason the account number XXXX is closed today did not receive money again because with you there is very little security and confidence. 
XXXX $ XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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. (AR)

I am sending my CFPB complaint to inform you about the accounts that are still reported as late in my credit file. The current status should not be showing late because I paid it on time. The 3 Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts immediately : XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX Balance Owed : {$910.00}.
Consumer complaint received 2024-01-14
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. (FL)

My information was sold and bought illegally because I am a victim of XXXXXXXX XXXX XXXX. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negatives Inquires on my credit reports that have been removed from my other credit reports : XXXX XXXXXXXX XXXX, Date ( XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( two for the same date which is against the law to do so ) XX/XX/2023, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through XXXX web and XXXX XXXX from XXXX XXXX All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX ( account number : # XXXX ) was removed from my report and now my credit is inaccurately reporting. It was taken off in XX/XX/2022, and has yet to be inserted. I've contacted XXXX, to which they have stated that they've got everything upto date for reinsertion, however, each bureau has told me that they've yet to see any updates from the creditor.
Consumer complaint received 2024-01-27
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. (CA)

XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2022 I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2023-09-24
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: Experian Information Solutions Inc. (NY)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (VA)

This regarding to XXXX bank. This credit card company has withdrawn money from my checking account with out my authorization. This happened already twice and they are trying to blame me that I made that transaction. They are an scam.
Consumer complaint received 2023-05-02
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instruction. 

Following Accounts XXXX XXXX XXXXXXXX {$1600.00} No account number listed on report XXXX XXXX # XXXX # XXXX XXXXXXXX XXXX XXXX {$72.00} # XXXX XXXX  # XXXX XXXX XXXX XXXX {$16000.00} # XXXX
Consumer complaint received 2024-01-16
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. (OH)

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 2023-04-26
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. (FL)

Good Day I currently have XXXX credit inquiries from XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ). My credit report states this is inquiry Associated with XXXX is suppose to be removed on XX/XX/XXXX and it's now XX/XX/XXXX. I'm requesting that this inquiry dated XX/XX/XXXX be removed from my credit report, along with the one dated XX/XX/XXXX because this inquiry is associated with the XX/XX/XXXX to see if my credit is in good standing. I tried calling Equifax myself and the representative stated I had to wait for system to remove. Thank you.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I Have no knowledge of this account, XXXX XXXX XXXX # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! 

According to 15 US Code 681s-2, 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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Subject : Request for Deletion of Late Payments and Correction of Reported Balance - Account Number XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention discrepancies related to my XXXX XXXX account with the account number XXXX. The occurrences in question occurred in XX/XX/XXXX and XX/XX/XXXX, impacting all three major credit profiles- XXXX, XXXX, and TransUnion. 

In adherence to pertinent federal laws and regulations, I am seeking the removal of late payments and correction of reported balance based on the following provisions : 15 U.S. Code 1681a - Definitions : This section emphasizes the importance of accurate and fair information reporting to credit bureaus. 

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Outlining permissible purposes for accessing consumer reports, stressing the necessity of accurate and up-to-date information. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) : This Act ensures the proper handling of personal information by federal agencies, promoting transparency and fairness in data usage. 

15 USC 6802 ( b ) ( c ) - Protection of Nonpublic Personal Information : Establishing safeguards for the protection of nonpublic personal information, underscoring the significance of privacy and security in financial transactions. 

12 CFR 1016.7 - Accuracy of Information Furnished to Consumer Reporting Agencies : This regulation sets forth requirements for the accuracy and integrity of information provided to consumer reporting agencies. 

15 U.S. Code 1666b - Timing of Payments : This section highlights the timing of payments, reinforcing the need for accurate reporting in relation to payment schedules. 

Furthermore, I have identified a balance inaccuracy being reported as {$19000.00}, whereas the correct balance of this account is {$18000.00}. I kindly request that this discrepancy be rectified promptly to ensure the accuracy of my credit information. 

Enclosed with this letter, you will find supporting documentation, including proof of timely payments during the specified months and evidence of the correct account balance. I appreciate your thorough investigation into these matters and request that you keep me informed of the outcomes. 

Thank you for your attention and assistance in resolving these issues.