davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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. (OH)

XXXX XXXX XXXX XXXX, ACCT # XXXX, 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. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. 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. This collection, by law, MUST be DELETED from my credit report immediately.
Consumer complaint received 2024-04-29
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. (NY)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-01-10
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. (MT)

In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies, such as XXXX, XXXX, and TransUnion, exercise their significant responsibilities with fairness, impartiality, and due regard for the consumer 's right to privacy. 

Referring to 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. To this effect, neither the financial institution, as defined in 15 USC 6802, nor the consumer reporting agencies, XXXX, XXXX, TransUnion, etc., possess my consent, whether explicit or implied, to disclose my information. All forms of consent, be they verbal, non-verbal, written, implied, or otherwise, are hereby revoked. 

Moreover, in compliance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. In this instance, I was never informed of my right to exercise such an option. 

Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. This decision is made in light of the aforementioned legal provisions and the failure of the financial institution and consumer reporting agencies to uphold the necessary procedures and disclosures as mandated by applicable laws.
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (NV)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-04-28
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. (TN)

In accordance with the fair credit Reporting act, this company has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. I sent a letter asking this company to show proof that I was late on this account, and they failed to do so. I was never late on these accounts, and I demand they be updated too positive.
Consumer complaint received 2023-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Closed Closed Monthly Payment : {$110.00} {$110.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2100.00} {$2100.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3000.00} {$1000.00} Credit Limit : {$1000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Accounts closed by credit grantor Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Consumer Financial Protection Bureau, I hope you're doing well. I need to report an error I found on my credit report. It says I made a late payment, but I actually paid on time. It's important that credit reports are accurate, so I'm reaching out. 

I've attached a copy of my credit report with the supposed late payment date ( XX/XX/2024 ). Can you investigate this? If you can't find proof of a late payment, can you fix it to show that I paid on time? 

Thanks for your help and quick action on this.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason TransUnion feels Im not following all the steps. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with TransUnion for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 
I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse. 
For the record I am the person submitting this complaint. I have not hired a third party nor is anyone helping me. Please see this matter is handled with a sense of urgency.
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood has refused to release my funds to me upon deactivation of my account. They are holding XXXX my money and I have already submitted identity verification twice now and my bank info has also been verified.
Consumer complaint received 2024-01-10
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. (FL)

SIRS, HAVE BEEN SENDING VARIOUS COMPLAINTS ABOUT THE TOTAL IN CORRECT INFORMATION IN MY CREDIT FILE! 
FRAUDULENT ACCOUNTS BELONGING TO ANOTHER XXXX XXXX ARE BEING REPORTED IN MY CREDIT FILE.I HAVE FILED AN FTC REPORT XXXX XXXX 
FRAUDULENT ACCOUNTS AS FOLLOWS LISTED ON FTC REPORT! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NOT MINE, UNATHORIZED! 
PLS BLOCK ALL THESE FRAUDULENT ACCOUNT, FTC RULES AND REGULATIONS.
Consumer complaint received 2024-04-28
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. (NY)

In accordance with the Fair Credit Reporting Act, a 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 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 instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can 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 2024-02-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAVALRY INVESTMENTS, LLC (TX)

I was served court documents from cavalry spv I , llc on XXXX XXXX, 2024 they are stating I owe them money {$3000.00} and want to pursue legal action. I have never heard of this company nor do i owe them any money nor do I have any contract with them. 

I have attached forms as evidence this company and I have never done any contract.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

There was a charge for {$68.00} from a restaurant in XXXX on my credit card that I did not order, make or authorize. AMEX has refused to credit the amount to my card.
Consumer complaint received 2024-04-28
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. (IN)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

Hello my name is XXXX XXXX and i have old addresses that are NON-MAILABLE reporting on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am not associated with the following addresses and need them permanently deleted from my credit profiles for they are NON MAILABLE please delete this CURRENT address for it is NON-MAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this XXXX address for it is NON-MAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hello my name is XXXX XXXX and i have old addresses that are NON-MAILABLE reporting on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am not associated with the following addresses and need them permanently deleted from my credit profiles for they are NON MAILABLE please delete this CURRENT address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX  please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX  please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX  please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this XXXX address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Cherrington Firm PLLC (SC)

Today I received a call from the Cherrington Firm leaving a message that I had a debt. Then I received a message from my father, who has no financial affiliation with me, that the cherrington firm called him to collect a debt from me.
Consumer complaint received 2024-01-10
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. (OH)

XXXX XXXX XXXX, ACCT # XXXX, 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. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. 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. This collection, by law, MUST be DELETED from my credit report immediately.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I looked at my credit report again on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act 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. These accounts : XXXX XXXX XXXX  account number XXXX, and also XXXX XXXX XXXX  account number XXXX are not complete .open dates are not reporting correctly, date of last active, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc (CO)

My original debt was with XXXX XXXX XXXX, which is for XXXX XXXX. It happened during COVID. They apparently sold my debt to XXXX XXXX XXXX XXXX XXXXXXXX as shown on my credit report. I have a collections account with XXXX XXXX XXXX XXXX XXXXXXXX. However, my information was sold AGAIN to RevNow LLC. RevNow LLC has been harassing me with phone calls 3 times a day. RevNow LLC has called BEFORE the hours of XXXX. RevNow LLC is also spamming me with emails concerning my debt with XXXX XXXX XXXX.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I According to my consumer report I received dated XX/XX/XXXX there was an error that on XX/XX/XXXX I there is a late payment posting from XXXX XXXX have never been late on this account. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXX needs to be updated as paid as agreed, NO LATE PAYMENT on XXXX, Transunion, XXXX and any other furnishes of my personal credit.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2023-08-29
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 submitting this complaint to EQUIFAX due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My XXXX XXXX reports shows that there is a balance on a closed BOA account of {$1500.00}. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX The balance is {$1500.00} as of XX/XX/XXXX It was opened with a NY Driver 's license. I have a PA license
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (IL)

This is the follow up complaint.I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$950.00}