davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act, The list of home addresses, and 2 employers below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX Country XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX XXXX XXXX XXXX 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 consent, or 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 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to dispute the collection account listed on my credit report, which is under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I am requesting validation of the debt you are attempting to collect. 

Here are the specific details regarding the account : XXXX Account Number : XXXX High Balance : {$3100.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3100.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Dispute resolved; reported by grantor Original Creditor : Not specified Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$2500.00} I am requesting validation of this debt as per my rights under the FDCPA and FCRA. Please provide the following documentation : Verification of the debt, including the original creditor 's name and address. 
Proof of your authorization to collect this debt. 
Documentation showing the agreement between me and the original creditor regarding this debt. 
A complete payment history, detailing all transactions associated with this account. 
Any agreements or contracts pertinent to this debt. 
Please be aware that reporting unverified or inaccurate information to the credit bureaus violates the FCRA. If you can not provide substantial validation of this debt, I demand that you remove it from my credit report immediately. 

I expect a response within 30 days of the receipt of this letter, as required by the FCRA. Failure to provide adequate validation within this timeframe will result in further actions to protect my rights, including filing complaints with the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act, The list of home addresses, and 2 employers below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX XXXX XXXX XXXX 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 consent, or 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 2024-04-24
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)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proofofmyidentity.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

We were married in a wedding venue. There was a lot of confusion because there was a lot of turnover. We did not agree with the final charges and the contract they sent over. We did not sign or agree to the final charges. We made the company aware of this in writing. We contacted the corporate office additionally. They then charged our debit card in the total of XXXX in three separate charges. It seems as if they were trying to see as much money as they could get out. We filled a claim with our bank. They approved one claim then denied another. When we called in they said that the venue was admitting that some of the charges were not authorized because there were major issues and services not rendered. We informed Chase Bank that there was no signed contract or credit card authorization form submitted on our behalf. They used our debit card to charge XXXX without our consent.
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (OH)

THIS COMPANY HARASSED ME. IVE ASKED THEM MULTIPLE TIMES TO REMOVE ME OFF THERE CALLER LIST AND I DO NOT OWN THIS DEBT AND NOT FAMILIAR WITH THE COMPANY. I PROVIDED THEM DOCUMENTS. I KEEP GETTING HARASSED.
Consumer complaint received 2023-09-27
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. (NY)

I have been requesting for things to be deleted from all 3 credit bureaus since last year & they havent responded or even updated my credit details. Its costing me time & money. Im a victim of identity theft & even with the police report & all supporting documentation that Ive submitted. All 3 bureaus ignore me. Even up to this day I have to be paying for an credit lock & even with that credit checks are still being done this is very frustrating & I need to resolve the whole situation. Even my address & name is incorrect. As you can see its been going on since last year & im not getting any help from the credit bureaus.
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XXXX and XXXX we tried to use the XXXX application. We were scamed by a scammer who enter our computer and we transferred around XXXX or XXXXXXXX XXXX  via XXXX and wired. We were not reimbursed, we are out the money. We tried to get Bank of America to get our money back, but it was gone. The scammer took it all. Who knows where it is now.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TIDEWATER FINANCE COMPANY, INC. (MI)

On XX/XX/2022 a hard inquiry was listed from Tidewater Finance Ive made several attempts to call the company for proof of reporting information however I was put on hold and this situation was never resolved.
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. 

XXXXXXXX XXXX  XX/XX/XXXX and XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX. 

I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I transferred my XXXX loan from XXXX to XXXX. XXXX is a XXXX balance. XXXX now has the loan. I am showing the full balance from XXXX on my credit report. XXXX is saying that their credit reporting is valid and accurate in a letter that was sent to me and its not. I filed a complaint with XXXX, all three credit bureaus, and Department of Education.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

My credit report has information on it that is inaccurate and I'm proper authority to get the following corrected. According to 15 US Code 1666b, timing of payments a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Equifax, the following companies are reporting late payments : XXXXXXXX XXXX XXXX XXXX XXXX following are reporting late payments : XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've always made sure payments on this account are timely, never allowing them to become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address a matter of utmost importance concerning the accuracy of the information on my credit report. After a thorough review of my updated credit report, I am compelled to bring to your attention the presence of inaccurate and incomplete information reported by your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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. (CA)

I have requested validation from XXXX as I do not owe a debt that they are reporting to my TransUnion report. They do not validate and TransUnion does not investigate my dispute. I have also filed a claim with ftc.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, XXXX and Transunion regarding inaccurate information ( Ref : XXXX XXXX XXXX : XXXX Transunion : XXXX. Unfortunately, despite filing my initial dispute on XX/XX/2023 and exceeding the XXXX timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA. 

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters XXXX. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I opened my account with Wells Fargo on XXXX XXXX XXXXXXXX, CA XXXX on XX/XX/XXXX. On XXXX XXXX I deposited a check which had a hold until XXXX XXXX. On XX/XX/XXXX the hold was cleared and the amount was released into my account. Wells Farge reinstituted the Hold between the XXXX XXXX. They never contacted me to inform me of this action. They also put a hold on my entire account and brought the account negative. I had no access to my money : I could not purchase anything : food, gas, etc. Wells Fargo claimed that the problem was with XXXX not honoring the check. I went to XXXX  only to find out they had paid the check to Wells and Wells had improperly filed it. Wells still refused to release my funds. They stated that no payments would be returned until this was sorted. On the XXXX, They sent back over 10 items unpaid. The branch manager attempted to blame this on me because I used a mobile deposit. I had asked a teller previously about in-person vs mobile deposits and was told that there was no difference. I still do not have any money.
Consumer complaint received 2024-04-24
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)

FCRA 605B necessitates the elimination of erroneous accounts from my credit report. Could you verify the documents? Several listed accounts contain inaccuracies in reporting, such as incorrect amounts and dates.
Consumer complaint received 2023-07-31
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: Mercedes Benz Financial Services (GA)

XXXX account # XXXX closed date : XX/XX/2022 in accordance with fair credit reporting act XXXX  account # XXXX 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 a 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 a late for any purpose
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below BANK OF AMERICA XXXX
Consumer complaint received 2023-11-03
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: GLOBAL CREDIT UNION (WA)

I tried to open an account and the bank manager XXXX XXXX told me my passport wouldn't be accepted because it wasn't signed but she was looking at my Immigrant VISA which is acceptable ID to work, and then when we showed her the biometrics page of the passport which is signed she still denied it. She was rude and told them to leave. 

She was determined to deny an account to an XXXX XXXX. She started saying things about fraud and wouldn't allow my companion help answer her questions although it was difficult for me to understand what she was asking. XXXX is not my first language! 

My wife was XXXXXXXX the phone and she refused to speak to her and told me to call their call center. She did and their operations management was called and they verified a XXXX  passport with a SSN was sufficient ID. Another branch told my XXXX wife a XXXX passport and SSN was sufficient ID. 

That particular branch two weeks ago told us the passport was sufficient with my SSN and when I returned with the SS card this is what happened.
Consumer complaint received 2023-11-03
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. (KY)

I recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. 
The accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to ma all of the documents that you have recorded and retained in your file of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I have mailed to XXXX and EQUIFAX about several credit cards they are reporting wrong. 
They dont budge, dont send proof of investigation and nothing is resolved. 

XXXX XXXX XXXX  reporting balance is XXXX but yet its XXXX but XXXX still keeps same balance XXXX XXXX XXXX they show balance XXXX for months the balance is {$700.00} now last month it was XXXX XXXX balance has shown {$1000.00} past 3 months but the balance is XXXX I have asked them to delete the following accounts because there closed, past Arizona statutory of 6 years and they just refuse XXXX XXXX XX/XX/XXXX XXXX closed XXXX XXXX 5yrs 10 months old XXXX was opened in XX/XX/XXXX 6years old XXXX XXXX XXXX XXXX this acct was opened in XX/XX/XXXX 10years old XXXX XXXX XXXX closed XXXX XXXX over 10 years old I have submitted request via mail three times the past two months. 

Have information to prove it