davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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. (NJ)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-10
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 take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-06-10
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. (FL)

I RAN A REPORT AND DISCOVERED THEIR IS INCORRECT INFORMATION ON THRE. THE ADDRESS LISTED ARE NON-MAILABLE AND SHOULD BE UPDATED IMMEDIATELY. 

MY NAME ALSO SHOWS UP VARIOUS TIMES AND NEEDS TO BE CORRECTED.
Consumer complaint received 2023-08-29
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. (KY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
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. (NC)

My name is XXXX XXXX Then this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-10
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. (IL)

you to take action and remove it from my credit report. 

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I WASN'T A CUSTOMER OF THE FINANCIAL INSTITUTION BUT SOME HOW ANOTHER BANK INSTITUTION TOOK OVER AND I STARTED GETTING INTO PROBLEMS THAT WASN'T ONLY MINE PROBLEMS. I AM A SENIOR CITIZEN AND ALSO A XXXX PERSON DUE THAT I AM XXXX XXXX XXXX XXXX XXXX  AND I MY ONLY WAYS OF CONTACTING IS THROUGH EMAILS, TEXTING AND WRITTEN MESSAGES, DUES TO THAT FACT, THE THIRD FINANCIAL INSTITUTION THAT SUPPOSEDLY TOOK OVER HAVE BEEN SERVICING THE CUSTOMERS ACCOUNTS AS JUST A FRONT OF THE REALLY AND REAL FINANCIAL INSTITUTION, THAT HAVE CREATED A HUGE PROBLEMS IN SIGNING DIRECT TO BANK, HAVE CREATED A DISCRIMINATION AGAINST THE TARGETED SENIORS CITIZENS AND PEOPLES WITH XXXX. MY ACCOUNT HAVE BEEN CONTINUES BLOCKED MONTHS BY MONTH AND IT HAVE BEEN VERY MUCH A PROBLEMS TO PAY {$24.00} DOLLARS AND MORES THAN THREE TIMES IN THE SAME WEEK TO GO IN PERSON TO THE BANK. THERE ARE AT LOTS OF CONSTITUTIONAL HUMANS RIGHTS VIOLATION AGAINST THE SENIORS CITIZENS AND THE DISABLES AMERICANS PEOPLES. 
THANK YOU
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (TX)

XX/XX/year> : since I filed my complaint against cashapp for refunding 4 if 5 stolen payments, cashapp has take retaliatory measures. They have allowed me access to my accountand sent an email instructing me to reopen my claim for a 4th time. While putting in the app my account is closed. it stated its closed because i violated company policy. But did not specify what policy and at what point had i committed this violation. It had to be either when i asked for a dispute review or while I was sleeping peacefully. But I can not do anything with my account. More importantly transfer money and make payments as the cards linked to the account is listed on many bills. Cashapp has claimed my account was used in a way that violated their policies. So apparently challenging a denied dispute is against company policy to the point they can close your account and stop you scheduled bill payments incurring late fees. I find it deceptive enough, when asking for reasons of dispute im lied to, dismissed and ghosted by their review person. Then immediately told to reopen my claim. But after speaking to a manager my accounts closed with no explanation. I file with the cpfb and suddenly I can access it but I can't do anything with it as well as instructed to reopen my claim yet again, but less that XXXX hours im told i violated policy and theres nothing i can do about it. So which is it? XXXX also wanted to see if it was my acount or my information. Cashapp has blacklisted my ss # name and birthday. Out of retaliation for not being ok with them keeping my stolen money. I'm definitely consulting an attorney at this point. Because none of their reasons given have a thing to do my denied claim. In fact they didn't com up with that until weeks afters my initial dispute
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY ()

{$20000.00} was deposited into my account in 4 four transactions to repay a loan to me. The money was in the account on XX/XX/scrub> 2024 and on the XXXX I had no access to the account. I called TD bank and was told that the account was demarketed. They would not tell me what happened or how to get my money back. The money was a legitimate loan repayment to me.
Consumer complaint received 2024-06-10
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. (IN)

I was a victim of identity theft and I am currently in XXXX and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION (MS)

In accordance with the Fair Credit Reporting Act, these purported creditors have violated my right. Under 15 USC 1681, section 602 my right to privacy is insured.

Also under 15 USC 1681, section 604 A, subsection 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

I demand all unauthorized recordings on my credit record to be removed immediately. I did not give written consent or instructions to do include these recordings.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

This is in response to CFPB complaint XXXX where I informed the company that I have no contract with them for the alleged debt on my credit report. I also reached out to the original creditor via XXXX  and was informed that XXXX tried to contact the company twice, but the company failed to respond. Why would I trust a 3rd party collection agency whom I've never signed anything with and let alone heard of without validation from the original creditor? I am not obligated to pay your company anything and this is my right as a consumer. My personal information has been compromised many times, and without validation from the original creditor, how can you be sure that this debt is mine? Was there proof of my ssc and id on record? There were no copies sent to me if so. I have attached the proof of no response from original creditor. Again, the invoice is attached, and payment is to be remitted to the address on the true bill/invoice along with the deletion of this account. From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. n1681n ] n ( b ) Civil liability for knowing noncompliance.
Consumer complaint received 2024-06-10
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. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2023-10-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX .... - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2024-07-31
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MN)

About XXXX or XXXX weeks ago ( XX/XX/2023 ) I wrote to XXXX XXXX, Discover, and XXXX in regards to their being income reported on my consumer report. I am complaining about the inaccurate information on my credit report by XXXX XXXX, Discover, and XXXX. They have reported charge-offs as income, which is wrong and misleading. Charge-offs are canceled debts, not income. The law says that creditors must send me a Form 1099-C to report canceled debts as income, but I have not received any from these companies. I have also not claimed any income from canceled debts on my tax returns. I have sent them dispute letters with my identification and proof of identity theft, but they have not corrected the errors. I want them to stop reporting charge-offs as income and remove them from my credit report. I also want them to send me copies of the Form 1099-C if they have issued any. This is affecting my credit score and my ability to get loans and credit cards. Please help me resolve this issue as soon as possible. Thank you
Consumer complaint received 2024-07-31
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. (VA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (IL)

In accordance with the fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. The account in the name of credit acceptance corporation I would like to be removed from my credit reporting. I have the right to privacy under 15 u.s.c 1681 section 602A. 15 u.s.c 1681 section 604 A. Section 2. If also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2019-06-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing LLC is unable to provide a payoff request or deed or reconveyance on a HELOC which they did debt forgiveness on XX/XX/XXXX. I started the process to request this on XX/XX/XXXX and Speciliazed Loan Servicing LLC said it would take 30 days to get a response and after 30 days, I have yet to get a written response from them and it is now XX/XX/XXXX. 

Timeline : 1. Specialized Loan Servicing LLC issued a 1099C in XXXX for Acct # XXXX dated XX/XX/XXXX for {>= $1,000,000} for cancellation of debt The loan was for a HELOC on XXXX XXXX XXXX in XXXX CA XXXX. After they issued the 1099C, they should have also completed a Deed of Reconveyance for recordation with the County Recorder and should have sent me a copy. They never did this. 

2. On XX/XX/XXXX, I called customer service # on my 1099C for XXXX. That # is XXXX. 
I spoke with XXXX # XXXX who informed me to send in an email to and provide a handwritten letter stating : " Still showing a lien on property no longer owned and please issue Deed of Reconveyance. I emailed this letter to XXXX as instructed. XXXX informed me it will take 30 days to get a response. 

I emailed them as instructed : a handwritten authorization, the 1099C - XXXX for the Cancellation of Debt, and the preliminary title report showing the forgiven debt still showing as a lien on XXXX XXXX XXXX. 

3. On XXXX, I called again and requested a supervisor call me back. XXXX # XXXX and confirmed they received the email and my letter was acceptable. 

4. On XX/XX/XXXX, I spoke with XXXX # XXXX to get an update and said should ask for CC3 to expedite. 

5. On XX/XX/XXXX, I spoke with XXXX # XXXX in CC3 and asked for a supervisor but they couldn't contact me with a supervisor. 

6. On XX/XX/XXXX, I called CC3 and spoke with XXXX # XXXX for an update and informed file is in archive and will take awhile for a Lien Release and would send an email to that department. I asked if I could speak to that department or get an email backed and I was told no. 

I am asking the Consumer Protection Finance Board to have Specialized Loan Services to issue the Deed of Reconveyance to be recorded with my local County Recorder and provide me with a timeline. 

I am asking the Consumer Protection Finance Board to fine Specialized Loan Services for their incompetence. 

I am asking the Consumer Protection Finance Board to have Specialized Loan Services to provide me with a written update on my request with an executive level contact.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (AR)

Please know on XXXX XXXX XXXX XXXX XXXX XXXX XXXX I mailed letters stating Please be aware of account number -- -- -- -- -- -- -- -- -- -/ routing number -- -- -- -- -- --. The account made unauthorized IRS Economic Impact Payments deposits of {$1200.00} on XX/XX/XXXX ; {$600.00} on XX/XX/XXXX ; and {$1400.00} on XX/XX/XXXX. XXXX. The owner of the account did not have authorization or approval for the deposits. 
The IRS informed me that deposits were made at XXXX XXXX. Please be informed I have contact with XXXX XXXX XXXX XXXX express their bank as a pass-through intermediary. XXXXXXXX XXXX stated the bank has no access and very limited involvement with such transactions but mentioned Square, a separate company not affiliated with XXXX XXXX XXXX XXXX  stated that Cash App accounts are offered by Square. Please know of attempt to also contact Cash App with no success. I am making Square aware of the unauthorized deposit and requesting a refund of all deposits. 
Please know 2 months later no response has been made by Square/Cash App. Please reply regarding my stimulus checks issue.
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have requested information on the debt via phone, credit report dispute, and letter. I have not received any information about the debt. The number provided on the credit report was not helpful as it wanted an account number before connecting with a representative. I have tried contacting general customer service for Bank of America and the representatives have sent me to the wrong department each time. This is hurting my credit rating and affecting my life.
Consumer complaint received 2019-06-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Since XX/XX/XXXX, I have been asking Trans Union to verify an account that is reporting on my credit file. Trans Union was asked to furnish me the documents they used to verify the accuracy of this account. I also asked for the name of the person verifying these documents. I have only received letters back saying the information has been verified. Trans Union has not met my request to show me the proof they have of this account belonging to me, nor have they sent me the info of who verified it. I asked the debt collector for proof and they were unable to show valid proof of a debt owned so I am curious as to how Trans Union was able to verify a debt that the debt collector could not. The debt collector sent me a printed agreement with no signatures or print from me. A blank agreement/contract is not proof of debt ownership. Also, the date on the bottom of the agreement says Version Date XX/XX/XXXX but the company is alleging i signed this agreement on XX/XX/XXXX. Clearly the agreement was printed AFTER XXXX so this is not the original document.