davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
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. (NV)

Hi there! 

Hope you're doing well! I was looking into some legal stuff and noticed a few things regarding my credit information that I'd like to discuss. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it emphasizes the need to ensure that consumer reporting agencies handle their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Equifax and XXXX, being consumer reporting agencies, handle my credit info, and as the consumer, I have the right to ensure my private information isn't shared. This right is backed by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, have an obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. 

Now, here 's the deal : 15 USC 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can only furnish a consumer report with the written instructions of the consumer to whom it relates. The furnishers of information to credit agencies ( like financial institutions ) need my consent for this, and they surely don't have my written consent. I'm revoking any and all consent, be it verbal, non-verbal, written, implied, or otherwise.

Moreover, 15 USC 6802 ( b ) ( c ) states that a financial institution can't disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. However, the furnisher of information to credit agencies never informed me of this right. 

I also noticed that XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including certain adverse items of information without permission. This account they're reporting seems to be an adverse item they're sharing without my permission, which goes against the law. 

Furthermore, XXXX XXXX XXXX XXXX ( A ) ( XXXX ) says that a person shouldn't furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax and XXXX, it seems, might be falling short on maintaining reasonable procedures to avoid violations. 

To add to that, XXXX XXXX XXXX XXXX states that every consumer reporting agency should maintain reasonable procedures to avoid violations of section XXXX and limit the furnishing of consumer reports to specific purposes. It seems like Equifax and XXXX might not be maintaining these reasonable procedures. 

Last but not least, XXXX CFR XXXX states that a consumer can exercise the right to opt out at any time. So, just to make it crystal clear, I'm opting out of your reporting services. 

I appreciate your understanding in sorting this out!
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. (CT)

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX | ACCOUNT # : XXXX | Balance : {$500.00} Additionally there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. I have contacted the alleged furnisher who has confirmed they never provided this information to the credit bureaus which is another violation and makes the credit bureau liable for damages, which I will be seeking if this item is not removed or my written authorization provided showing I requested or allowed this information to be posted to my consumer report. 

U.S. Bankruptcy Court | Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (TN)

Transaction of {$8000.00} was made to my account today. Shortly after, my account was deleted with no reason at all. My phone and email were unlinked and I was forced to create a new account. This was through CashApp company. They deleted my card as well. I had {$50.00} on the account already. I contacted the company & they have no explanation as to why my account was closed. But the money was approved before it was deleted.
Consumer complaint received 2024-07-09
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: CITIBANK, N.A. (AZ)

I applied for a XXXX credit card cobranded by Citibank. On XX/XX/year>, they sent a letter to me denying the application. I called them and they could not tell me why denied and said to contact XXXX. The phone numbers for XXXX did not allow a selection to resolve the fact that my XXXX XXXX is incorrect, XXXX points lower than XXXX and XXXX. I have sent letters to XXXX and Citibank and copied XXXX because there is no way to speak to a human at XXXX. And unable to get through to Citibank corporate offices. XXXX at Citibank XXXX XXXX refused to provide me answers about XXXX XXXX policy or XXXX XXXX requirements. She would not give me her last name, ID or allow me to speak to a supervisor. 

I have previously complained to XXXX about their reporting XXXX XXXX of XXXX when XXXX and XXXX scores are XXXX XXXX. Their responses did not explain the discrepancies. ( See CFPB complaints XXXX and XXXX ) The lack of transparency by Citibank and XXXX is XXXX. The CFPB should require them to provide the specific reasons for denial of credit applications and why denied by using ONLY the incorrect, low score provided by XXXX. 

See attached documents with details and proof of credit scores.
Consumer complaint received 2024-01-29
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)

This marks my 4th submission of a complaint, as I am diligently following up on my previous communication dated XX/XX/2024. I am disputing the remaining items in my credit file stemming from the crime of identity theft. I kindly request the expeditious removal of these items from my credit file. For your reference, I have attached my new FTC report with # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As stipulated by FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the consumer 's file identified as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-05
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. (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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or 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 2022-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital one 360 charged me for a XXXX concert that never happened on XX/XX/2021. CAPITAL ONE REFUSED TO REFUND MY MONEY. For a concert that was cancelled last year in 2021. Then charged me a overdraft fee
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (MD)

My mortgage was recently transferred to this company. They keep reversing my payment for the mortgage. I have never had a mortgage company reject my payments. They are telling me they have no idea what is happening, but I will be in default if they don't accept the payment. They have reversed 4 payments I have made.
Consumer complaint received 2020-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/XXXX I submitted a cash transfer to my friend XXXX XXXX ( $ XXXX  ) in the amount of {$100.00}. The money was not received by Mr. XXXX and the app actually displayed the word " refunding '' and showed a refund by date of XX/XX/XXXX. The amount shown to be refunded is {$100.00}. That money was to be returned to my Visa Debit card ending in the numbers XXXX. The Cash App identifier for that refund is # XXXX. 
I submitted a request for help with this transaction from Cash App Support because XX/XX/XXXX came and went and my money is still in limbo. I have also not heard any response from Cash App Support about this matter. I attempted to reach Cash App by telephone and that was impossible. 
I am still awaiting the return of my money. Any help that you can provide to me will be much appreciated.
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C section 602 States I have the right to privacy 15 U.S.C. section 604 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-01-29
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)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that they be removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have noticed something is wrong with my credit file XXXXXXXX XXXX XXXX with account # XXXX it has several innacuracies which I have tried getting them to remove the account but I havent had any luck.the items that are wrong is listed below : Account type Date opened Date last reported Date last active I want this account removed immediately
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This communication serves as a follow-up to my previous complaint dated XX/XX/XXXX, concerning identity theft. As a victim, I am reiterating my request for the removal of specific items from my credit file. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that these items be removed no later than four business days after the receipt of this correspondence. This matter, previously addressed in my initial complaint, is being reexamined here, accompanied by my new FTC report # XXXX. The items identified for removal from each bureau are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . FCRA Section 605b stipulates that Credit Reporting Agencies are obligated to remove any items listed on an identity theft report.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> Security Credit Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Erroneous Account Information on Credit Report To Whom It May Concern, I am writing to dispute the inaccurate account information that your company has reported to the credit bureaus under my name. The account in question was added to my credit report without my intent to dispute, and your failure to properly verify this account violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

**Violations Cited : ** 1. **15 U.S.C. 1681s-2 ( a ) ** : This section mandates that furnishers of information must ensure the accuracy and integrity of the information they provide to consumer reporting agencies. Reporting inaccurate information without proper verification is a clear violation of this requirement. 

2. **15 U.S.C. 1681i ( a ) ( 1 ) ** : This section requires consumer reporting agencies to conduct a prompt and thorough reinvestigation of disputed information. By reporting inaccurate information and failing to verify it properly, Security Credit Services is in breach of this obligation. 

3. **15 U.S.C. 1692g ( b ) ** ( under the Fair Debt Collection Practices Act ) : This section requires debt collectors to validate the debt within 30 days upon request. The documentation necessary to validate a debt must be substantial and should include : - **A copy of the original signed contract or application** for the debt, establishing that the debt is indeed mine. 
- **A complete payment history** that shows how the debt was calculated. 
- **Proof of your companys legal right to collect** this debt, such as a chain of title or assignment of the debt. 

Given the above, I demand the following : 1. Immediate removal of the inaccurate account from my credit report. 
2. Reverification of the legitimacy of the account, including the provision of the following documentation to validate the debt : - A copy of the original signed contract or application related to this account. 
- A full and detailed payment history of the account. 
- Legal documentation showing your companys right to collect the debt, including any assignments or transfer documents. 

Please be advised that under the FCRA, you are required to complete your investigation and provide a written response within 30 days of receiving this letter. If you fail to comply, I will have no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to enforce my rights. 

I expect Security Credit Services to treat this matter with the urgency and accuracy it deserves. Please confirm in writing that the disputed account has been removed from my credit report and that your investigation is complete. 

Sincerely, XXXX XXXX.
Consumer complaint received 2022-12-23
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. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX