davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-25
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. (MS)

My name is XXXX XXXX XXXX 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-19
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. (AZ)

I received my credit report in XX/XX/year> from XXXX, XXXX and Equifax and noticed delinquent items, open accounts I never authorized and charges in my name that I did not give consent to contract with nor did I receive any credit or use of any goods or services. I did not give my permission or consent to XXXX, XXXX or Equifax to report any inaccurate information pertaining to me or my property. According to TRUTH IN LENDING ACT ( TILA ) 15 U.S.C. Code 1681 ( b ) ( 2 ) Permissible Purposes of consumer reports. NO CONSENT IS IDENITY THEFT.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.
Consumer complaint received 2024-05-19
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. (AL)

This is in regards to Equifax. They responded within 1 hour of my complaint. It is about XXXX inquiries that were not made by me around the end of XX/XX/2024, I disputed deemed factual on the first 2 disputes and then I disputed again and they said the inquiries were being deleted not factual. But yet again they are still on my report and I called stayed on the he phone for 40 mins talking with them. This is the last time I will complain. I will go ahead and let my attorney take over. If my demands are not considered.
Consumer complaint received 2024-06-05
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. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-05
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. (FL)

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 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

After being on hold for XXXX hours and XXXX minutes today, from approximately XXXX to XXXX XXXX  I was finally transferred to a supervisor. Unfortunately, I did not get that supervisor 's name ; however, she was incredibly rude and condescending. After explaining the situation to her, she would not let me clarify further, kept interrupting me, and then interrupted me by putting me on hold. The call was then disconnected without her ever having done anything to help.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

On XX/XX/2023 a payment was made to my BofA account in the amount of {$1200.00} but when I went in the next day I noticed it wasn't there. My valid payment went to a fraud account in error that had not been removed from my online bill pay. I contacted BofA to advise and they transferred my payment to my correct account at that time which caused an overpayment. I advised the representative at that time that I just wanted them to keep the overpayment on my account and I had stuff coming through that would basically wash the credit balance. I received my statement and it said that I was past due. At that time it was also saying that I owed {$1900.00}, which I only actually owed a little over {$500.00}. I was extremely confused and noticed on my statement that on XX/XX/2023 my payment was reversed which in turn said I was past due which I am never past due. On XX/XX/XXXX I called to find out why my payment was reversed and they could not answer me as to why and said that they would have to research to find out. They did say that it was there error and that they would fix it for me. They removed my late fee and promised me that I would not received finance charges. I I then called again on XX/XX/XXXX and was told that they were still researching and that they would come to a decision as of XX/XX/XXXX. I called the company on XX/XX/XXXX to see why my account was still not credited. They tried to explain to me that they didn't know why and needed to research it again. I asked to speak with a manager and she out in a research request AGAIN to find out what was going on. On XX/XX/XXXX I received a letter saying that my issue was resolved and I received those funds back into my personal bank account, which I did not!!! I then called again on XX/XX/XXXX to escalate to another manager, gave her my personal bank account which is the only one BofA has on file and they told me that they are still " researching '' and I need to wait the 10 days. I have spoken to several people for a total of 5hrs of my time, time that I can not get back. I still have not received a phone call OR my money back to my credit card OR my personal bank account. I feel at this point that they are stealing my money. I owe nothing on this card at this time other than they money that needs to be credited back. I am getting impatient because I am never late on payments and pay in full every month and my cycle date is getting ready to hit soon and I do not want this to reflect on my credit history since this is their error.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Subject : Formal Notice of Non-Compliance and Intent to Initiate Legal Action I am writing to provide formal notice of non-compliance with the Fair Credit Reporting Act ( FCRA ) by your credit reporting agency. This letter is to inform you that several inaccuracies on my credit report, involving previously resolved and deleted accounts which have been unauthorizedly reinserted, have not been corrected despite prior disputes and communications. This notice also references an active Federal Trade Commission ( FTC ) report pertaining to these matters. 

Detailed Account Information : Previously Deleted and Unauthorizedly Reinserted Accounts : XXXX XXXXXXXX Account Ending in XXXX XXXX XXXX Account Ending in XXXX ( Note : This account is listed twice, indicating a potential error in reporting. ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX Account Ending in XXXX Incorrect Collection Account : XXXX XXXX  Reported Amount : {$1500.00} Discrepancy : This collection account is inaccurately associated with my financial records. 
Actions Required : Immediate Removal of Reinserted Accounts : As these entries were previously investigated and determined to be inaccurately reported resulting in their removal, their reinsertion violates the FCRAs provisions concerning the accuracy and integrity of credit reporting.

Correction of Erroneous Collection Entry : The collection account reported under XXXX XXXX does not pertain to any of my financial activities and must be removed immediately to reflect accurate credit information. 
I am prepared to take legal action if these issues are not resolved within the stipulated XXXX period as mandated by the FCRA for dispute resolution. Please consider this letter a final notice before I pursue further legal remedies, including seeking statutory and punitive damages for non-compliance. 

I request written confirmation of the receipt of this notice and detailed documentation of the steps your agency will take to rectify these errors. Immediate attention to these matters is crucial and highly anticipated.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion and US DEPARTMENT OF EDUCATION continues to willfully neglect and be willfully non compliant with removing my non public personal information from my Consumer Files They are in violation of FCRA privacy laws 1681a2, 1681b 2, 1681 ( 4 ), Family Educational Rights and Privacy Act, and the Privacy Act of 1974 20 USC 1232g 34 CFR 99 5 USC 552a Reaging is an illegal act due to FCRA 623 ( 5 ) ( A ) Also in violation of 18USC 1028 Also Transactions and experiences are excluded from Consumer Files without the Natural Person Consumer written permissible purpose These inaccurate unauthorized fraudulent identity theft are preventing my personal and business credit growth : Us Department of ED Account # s XXXX & XXXX
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (TX)

Greetings, I have opened a checking account to consolidate and separate business from personal transactions for ease of documentation. 

I have made several transfers back and forth due to the consolidation. US Bank closed my account and stated that they would send me a check for the {$5000.00} dollars that was in the account by the end of XX/XX/2023. 

Not only have I not received the money, but I have been getting the runaround. I called customer service and was told that I needed to go to a branch. Not only was the account opened online, but there is no US Bank branch in Texas. 

I contacted XXXX branches ; XXXX in XXXX and XXXX in XXXX, and exchanged calls and emails with both branch managers who told me that they could not give me the money in the branch. 

Customer service stated that the money is in their XXXX XXXX account and can only be disbursed in a branch. 

My checking account number is or was : XXXX XXXX XXXX XXXX This has been going on for several months and they are refusing to give me my money. 

I am reaching out for help in making this right as I desperately need my money. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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)

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected rights to privacy and confidentialiy under 15 USC 1681 XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish my account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse item of information, other than record of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-30
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. (SC)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$110.00}
Consumer complaint received 2024-05-20
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. (GA)

I am writing to formally dispute inaccurate information on my credit report regarding my XXXX XXXX account, account number XXXX. Additionally, I wish to bring to your attention the illegal reporting of late payments on this account, which has significantly impacted my credit score. 

XXXX Credit Limit and Balance : The report indicates an open balance of {$320.00} with a credit limit of {$300.00}, showing that I am using XXXX % of my account 's limit. This information is incorrect. My current balance is $ [ Your Correct Balance ], and my credit limit is {$300.00}. 

XXXX. Payment History : The report shows that I have made XXXX  % of payments on time and lists missed payments. I have made all my payments on time except for [ specific number ] instances due to [ brief explanation, if applicable ]. Moreover, the reporting of these late payments is illegal according to 15 U.S. Code 1666 ( b ), which states that " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. '' XXXX. Amount Past Due : The report indicates that my last payment was made on XX/XX/year>, and the amount past due is {$0.00}. However, this information does not align with my records, which show my last payment made on XX/XX/year>. 

XXXX. Dispute Resolution : The report mentions " Dispute resolved ; reported by grantor. '' I have not been informed of the resolution details, and I request a review and clarification of this statement. 

The inaccurate reporting of late payments has caused my credit score to drop between XXXX points. This is a significant and unjustified impact on my creditworthiness. 

Please find attached copies of my payment records, recent account statements, and any relevant correspondence to support my claims. I kindly request that these inaccuracies be investigated and corrected promptly, and that any references to late payments be removed in accordance with the law. 

Thank you for your attention to this matter. Please confirm receipt of this letter and provide updates on the status of my dispute.
Consumer complaint received 2023-09-15
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: Cascade CISS Holdings, LLC (GA)

Same as my other complaint. I did not apply for a mortgage loan through anyone except XXXX through a local lender. XXXX will not do a hard pull. While I was applying I clicked next and a screen for a different mortgage company ( XXXX ) popped up and I continued not knowing a fraudulent site interrupted my application with XXXX. It is a glitch/malware on my computer that now needs to be fixed. 
Apparently all of my information was sold to a variety of lenders. Xactus XXXX just did a hard pull in my credit that I did not authorize. I can not get through to the company to tell them. I need my credit blocked from all HARD PULLS on my credit.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

During XXXX, multiple companies ( XXXX bank, Bank XXXX XXXX ) attempted to run my report for either the purpose to review my overall status with TransUnion. XXXX displayed was and is false with inaccurate information related to my mortgage loan as being late when in fact it is not which I confirmed with XXXX XXXX as of last week during Last week of XXXX. 
Then showing me as deliquent and high balances on installment accounts which is false since my installment accounts are either paid in full or have not had a balance reported as of yet with XXXXXXXX XXXX XXXXXXXX XXXX being $ XXXX limit and paid amount of nearly half from date opening as XX/XX/2023 after a house fire. I was told by XXXX XXXX they are closing my large account due to my credit from TransUnion which now this makes the 4th incident by TransUnion which related to all the complaints I have submitted to CFPB.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I am writing about the ongoing issue regarding the removal of fraudulent items from my credit report. Despite providing all necessary documentation and following the prescribed procedures for disputing inaccurate information on my credit report, the items remain unresolved, causing significant distress and impacting my financial standing. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of fraudulent items on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. I urge you to help me escalate this matter internally and allocate the necessary resources to expedite the removal of these fraudulent items from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. Furthermore, I insist on compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX