davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-22
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. (MD)

The 3 credit agencies have all information regarding my accounts incorrect. My Account with XXXX XXXX the Open date is incorrect the amount owing is incorrect and behind According to 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) any transaction and experience between the consumer and the person making the report are excluded, so this means that any late payments are excluded according to the FDCPA all 3 credit agencies must match with everything that they are reporting the credit agencies are being in non compliance. I am tired of dealing with these incidences and the credit agencies 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes; or ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-12-04
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. (FL)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX - {$5300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$6000.00}
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-23
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Google Compare Credit Cards Inc. (KY)

I just checked my credit and had 2 hard inquiries that I didnt apply for one says XXXX and another says XXXX XXXX I was told to make a complaint with you this is probably because I gave my information to a job that turned out to be a scam now they have all my information
Consumer complaint received 2018-08-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

***Please see attached letter and full timeline and dates of correspondence with USAA . 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX, D.C. XXXX Dear Sir or Madam : I am writing to request your assistance in resolving a missing deposit with USAA Federal Savings Bank. We have attempted without avail to locate {$620.00} of EFT/ACH transfers that were sent by another institution and failed to credit to our account. USAA acknowledges the transactions and yet our accounts have not been credited the money. We have exhausted all opportunities to resolve this matter with each institution and as of XX/XX/2018 have yet to see the money. After nearly 30 days of extensive communication and efforts neither bank is willing to address our concerns or escalate our concerns internally. Furthermore, internet research has revealed that our experience regarding USAAs obfuscation and denials of requests for assistance ( despite clear evidence that USAA was at fault ) is not unique to us. There are numerous instances of similar experiences occurring to others. Based upon our experience, it is also likely that there may be similar situations in which customers have no idea that USAA has simply kept their money without depositing it into their accounts. Therefore, we request the following : 1 ) Assistance in returning {$620.00} owed to us by USAA ; 2 ) Initiate an investigation of USAAs electronic banking practices to address the broader systemic problem of failure to provide clients with timely access to their funds ; and 3 ) Levy fine fines upon USAA that are significant enough to deter USAA from creating similar situations/problems in the future.

We have spent an extensive number of hours with both banking institutions support teams attempting to facilitate remediation and we requested escalation of the matter. We attempted to obtain the name and address of an appropriate level of management and/or a compliance officer to express our concerns in writing. USAA was unwilling to provide this information. In fact, they indicated they would charge us a research fee of {$50.00} per hour to further research the matter of our missing deposits. I have attached a timeline of events for your review.

We appreciate your assistance in resolving this matter and for proactively insuring that others do not have a similar experience.
Consumer complaint received 2023-09-19
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. (FL)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
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. (MS)

I checked my credit reports there is inaccurate information thats on my file that wasnt made or authorized by me below I have attached my reports! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 15 U.S. Code 1601- Congressional findings and declaration of purpose ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholderreceives no benefit. 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 report under the following circumstances and no other : ( 2 ) In according 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Per court order divorce agreement ex husband assumed Bank of America home mortgage. I was released from the loan on XX/XX/2018. The account balance was still showing as owned on my credit reports in XXXX, so I called Bank of America. Apparently they had not reported that I was no longer on the loan and assured me that my release from the loan would be reported to the credit bureaus by XX/XX/2018. On XX/XX/XXXX I called one of the credit bureau XXXX and they said that the release from the loan had not been reported. I've been back and forth between the credit bureau and the bank over several phone calls. I been transferred to wrong departments and hung up on. The debt showing on my credit report is affecting my score. Also, I would think it's a privacy issue because I can tell how much he continues to pay on his loan and if he's making them on time. XXXX says the only way I can remove the debt from my credit report is to dispute it which will lower my credit score.
Consumer complaint received 2024-01-21
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 have no association with this company and have never heard of them. The company does not have my written consent to use any of my information or my signature in a commercial manner. Additionally, it is unlawful to report medical bills on a credit report. I have not shared my information with this company or given anyone else permission to share it and especially publicaly.
Consumer complaint received 2023-11-20
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)

The following accounts are fraudulent and unauthorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act, 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 a account without my written instructions
Consumer complaint received 2023-08-03
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. (IN)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-11-20
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. (PA)

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Account name XXXXXXXX XXXX Account number XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance
Consumer complaint received 2023-08-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MO)

I received student loan forgiveness through a borrowers defense application being approved. The student loan servicer only put a small portion of the forgiveness on my loan and applied it to the interest only. After applying this my amount that is owed didn't change, I still owe the exact same amount and before the government payment pause even ended they have added more to my account that I now owe. I'm trying to figure out if I received the loan forgiveness how do I still owe the same amount and even more after this was supposed to be applied. I would like my loan amount to reflect the forgiveness.
Consumer complaint received 2024-01-20
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I attempted to place a Credit Freeze with XXXX this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by TransUnion. 

Should n't Equifax be paying this fee as they are responsible for the breach and should n't this service be FREE as half of the tax-paying citizens private credit files of the USA were breached? I also thought this service was free to victims of identity theft? 

After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed? 

This breach is an insult to the hard working citizens of the USA and a profit center for the other two credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with Equifax picking up the entire tab ( namely their three executives who excersized sizable stock options knowingly ). 

My hope is that the CFPB takes a strong punitive stance on this issue.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I deposited an official check for {$100000.00} on XXXX XXXX, 2023 at Truist Bank in XXXX, Georgia. The check was from XXXX XXXXXXXX XXXX XXXX  XXXX ). XXXX honored the check the next day, XXXX XXXX, 2023 However, Truist kept a hold on the check until XXXX XXXX, 2023.