davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX
Consumer complaint received 2023-11-01
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: Possible Financial Inc (CA)

I AM A VICTIM OF IDENTITY THEFT ALL INQUIRIES MADE WERE UNAUTHORIZED AND NEEDS DELETION 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 
2. Provide me with written confirmation of the results of your investigation. 
3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 
4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made. 
6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Consumer complaint received 2019-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I opened up a cash app account I have {$340.00} in the account they have Frozen my account my debit card they send me don't work when I try to go to the ATM the giving me all this running around and I can not get my account on froze they asked to see my identification I sent them a copy of that and they still won't release my account so that I can receive and send money cash app is a member of square Inc and they're doing nothing to help my problem my name is XXXX XXXX My email is XXXX my phone # XXXX please help me get my account on froze
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

In XXXX of XXXX, I received a knock at my door ; by Deputy of Civil court. He served me with a citation, from an attorney 's office ; claiming to be suing on behalf Portfolio Recovery Services LLC, who purchased the account from, XXXX XXXX XXXX XXXX XXXX 
This came as a shock, because I had not been notified prior. Nor was I sent any letters notifying me, or giving me an opportunity to make a payment arrangement of any sort. 
What's worse is, they are suing for the original amount of the item placed on the credit card. This should not be the case, as the item was {$1100.00} and the credit card limit given, was {$1000.00}. 
I created the account in XX/XX/XXXX. I ordered a sectional from XXXX XXXX XXXX, through XXXX XXXX  XXXX. This was a XXXX term with no interest. I was given 12 months to purchase the sectional at sale price. I began making payments on the XXXX XXXX, XXXX XXXX XXXX account, once I received the sectional, XXXX month later. ( XX/XX/XXXX ). Minimum payments XXXX. I made payments consistently, for months. 
I will admit payments were a little late, but never more than 20 days late. In XX/XX/XXXX, I was XXXX  with COVID.I contacted them for help with late payment fees. I was still making payments while sick. They refused. I was paying, but with high lates fees, it was if, I was paying anything at all. All of this, while not receiving income while sick. 
I reached out again, when released from hospital ( XX/XX/XXXX ), to ask for payment assistance. I received no help. I had made XXXX payments by this time. 
When trying to login to my account to make a payment, in XX/XX/XXXX ). I found that my account was officially closed on their website. I tried to get payment history, to rectify the balance. I received nothing in the mail. 

Fast forward to XX/XX/XXXX, they have sold the account to an attorney 's office, to sue. They provided the attorney with my last payment on the account. Just the XXXX payment, after I made XXXX  months ' worth of payments and they are suing for the full amount of the sectional. 
I have submitted my response to the citation I was served on XXXX XXXX, requiring proof of debt, in my city 's civil court. I have not received proof of my debt from the attorney, since. 
However, I received yet another citation from the civil court, this afternoon, XX/XX/XXXX.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are student Loans on my report that are not 100 % accurate. These are continuing to report on my credit report in violation of the FCRA. I am being ignore as a consumer and now my report keeps showing this false information.
Consumer complaint received 2023-09-01
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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
Consumer complaint received 2023-11-01
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: WELLS FARGO & COMPANY (CA)

I AM A VICTIM OF IDENTITY THEFT 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Consumer complaint received 2023-09-01
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$48.00}.
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (IL)

The representatives I spoke with over the phone were exceptionally rude to me during the entire phone call. XXXX representative, XXXX, went so far as to say " What do you want? '' over and over again while I was trying to explain the situation to her. She purposefully would not let me get a word in and then tried to transfer me to another person. Another representative said to me in these words " do you think the property management company is just jerking ( or something like that ) you around and that you actually do owe the debt '' while I was explaining to her that the property management company had already reached out to IQ Data multiple times to notify them to close the account because this is not a valid debt so on and so forth. All of these ladies spoke to me like I was a criminal who had been judged guilty of a crime ( even felt racially motivated ) instead of looking in the appropriate place in their system to find out that XXXX XXXX had reached out to them multiple times stating that this account was supposed to be closed and that we do not owe a balance like a supervisor did by the name of XXXX XXXX. It took about XXXX or XXXX calls to get to XXXX who was professional the entire time with the first call starting at XXXX XXXX XXXX  which lasted about XXXX minutes. The other calls occurred after that. It seems like the representatives were laser-focused on being rude and collecting a debt whether I owed it or not while the supervisor was focused on actually resolving the situation. I've never called a company and had XXXX or XXXX people in a row be this rude to me while trying to resolve a business situation. I feel that anyone who pulls the XXXX or XXXX phone calls and listens to how rude these people were to me would feel that those employees/contractors would need to be investigated for intentionally ignoring the information available to them in their company system and maliciously attempting to collect a debt from a debtor even though the debtor doesn't owe the debt. I'm not sure if they receive an incentive to collect debts from debtors but that's what it seemed like with how rude they were and how everything I was saying was ignored. XXXX time is a mistake but XXXX times is a pattern. Not to mention my wife and I have worked exceptionally hard on our credit reports since before XXXX and to have my XXXX XXXX XXXX XXXX and my wife 's drop XXXX and these representatives purposefully are trying to make us pay for something that we do not owe to gain an incentive is criminal.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MO)

XX/XX/2024 I contacted Citi Bank ( Card holder for the Home Depot ) before XX/XX/2024, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/2024. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. 
THD/ CBNA # XXXX I contacted the Home Depot and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

I am writing to formally and urgently request the immediate removal of all accounts associated with my bankruptcy proceedings. Account name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX, XXXX. Account Date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX Account XXXX : XX/XX/XXXX As per the stringent regulations and procedures governing bankruptcy, it is absolutely imperative that all accounts implicated in my bankruptcy undergo immediate and comprehensive expungement from all pertinent databases and records. Failure to rectify and update these closed accounts under my bankruptcy status is not only a breach of legal protocol but also warrants serious legal repercussions, for which I shall not hesitate to pursue necessary legal action. This directive is not merely a procedural formality ; rather, it represents a critical juncture in facilitating my financial recovery and ensuring a fair and just resolution to my financial obligations. The expeditious removal of these accounts is not only in accordance with the legal framework governing bankruptcy proceedings but also serves as a fundamental step towards restoring my financial stability and confidence. By swiftly eradicating any remnants of these accounts, we demonstrate our commitment to upholding the integrity of the bankruptcy process and honoring the principles of equity and fairness. Moreover, the prompt deletion of these accounts serves to preempt any potential complications or discrepancies that may arise in the future. It significantly streamlines the process of assessing my current financial standing and alleviates any unnecessary burdens or impediments hindering my efforts to regain financial independence. In light of the gravity of this matter, I implore all relevant parties to act swiftly and decisively in executing the requisite steps to remove all accounts associated with my bankruptcy proceedings. Your cooperation in this regard is not only mandated by law but is also indispensable in facilitating my journey towards financial rehabilitation and empowerment. I kindly request acknowledgment of receipt of this letter and request regular updates on the progress of the account removal process. Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2023-09-01
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. (IA)

I'd like to emphasize that the failure to complete a proper investigation into the disputed items on my credit report is not due to any lack of effort, documentation, or communication on my part. I have diligently followed the protocols outlined by the Fair Credit Reporting Act ( FCRA ), including the submission of all requested documents like the identity theft affidavit and police report. Despite having provided all the necessary information within the required timelines, the investigation remains incomplete, and certain issues have not been rectified.

It is crucial to note that under Sections 611 and 623 of the FCRA, the responsibility for conducting a thorough and timely investigation lies solely with the credit reporting agency and the data furnisher. Their failure to do so within the mandated 30-day period constitutes a violation of federal law. Such an oversight should not be blamed on the consumer, particularly when said consumer has made every effort to cooperate and provide all requested documentation promptly.

This lack of timely resolution negatively impacts my financial well-being and violates my rights under the FCRA. As such, I reiterate my request for immediate action on the aforementioned issues. Your prompt attention to correct these shortcomings is not only crucial for my financial health but is also mandated by law.

It is deeply troubling and unfair that despite having done everything within my power to prove identity theft, I am the one paying the price for someone else 's criminal actions. I have submitted all the necessary documents, including a police report and an identity theft affidavit, to not just prove that fraud has occurred but also to protect my legal rights. The emotional and financial toll this has taken on me is significant. My ability to secure credit, rent a home, or even secure employment is being jeopardized through no fault of my own. It is unacceptable that even after demonstrating that my identity was stolen, I must still contend with an incomplete investigation and a credit report that does not reflect the truth. This is not only a gross violation of my rights under the Fair Credit Reporting Act but also a failure of the system that is supposed to protect consumers from precisely this kind of victimization. Therefore, I strongly urge you to promptly rectify these issues in compliance with federal law and ethical responsibility.
Consumer complaint received 2023-09-01
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

OnXX/XX/XXXX I called Navient to pay off my remaining balance in full to close my account which was {$16000.00}. I found out on XX/XX/XXXX that they allocated {$3900.00} towards my Navient account, not closing my account. They used {$12000.00}. XXXX toward my XXXX account which was not authorized. I contacted XXXX XXXX XXXX fraud department.
Consumer complaint received 2023-07-26
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint against Equifax, detailing a concerning experience I recently encountered while attempting to update my information. I followed their prescribed document request process, supplying a utility bill with my current service address and a Social Security Card with the complete 9-digit number. 

Despite my compliance with their documented requirements, I faced a discrepancy in the verification process. Initially on a phone call I was assured that my information had been updated, I encountered resistance when I sought further clarification from the representative from today XX/XX/2023. The agent insisted on the submission of my ID and his refusal to escalate the matter to a manager or higher authority exacerbated the situation. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly. It is my sincere hope that discriminatory practices are not at play, as such treatment contradicts the experiences of those within my network. No one I know has encountered similar obstacles, and I believe it is imperative for Equifax to address this discrepancy promptly. 

Your attention to this matter is greatly appreciated, and I trust the Consumer Financial Protection Bureau will ensure Equifax 's adherence to fair and consistent procedures.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (GA)

Per the IRS, a lender ( Bridgecrest ) that cancels, discharges or forgives a debt of {$600.00} or more is REQUIRED BY LAW to send a 1099-C to the borrower. BRIDGECREST VOLUNTARILY REPOSSESSED THE PROPERTY IN XXXXXXXX XXXX  As such, the borrower must report the 1099-C as taxable income and this taxable income can no longer be disputed, collected or reported by the lender. Not only has Bridgecrest failed to issue me the required 1099-C, they are in violation of my rights under the FCRA 15 USC 1681 by 1 ) incorrectly reporting a balanced owed on my credit file, 2 ) reporting income that is taxable to me and 3 ) violating privacy. As of XX/XX/ having knowingly repossessed the property, acknowledged that they had not sent the 1099-C and continues to improperly report information on my credit report that violates the FCRA.
Consumer complaint received 2023-09-01
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX