davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received my dispute results from Transunion on XX/XX/year> and noticed the account XXXX XXXX XXXX XXXX # XXXX was not deleted. On XXXX XXXX I was notified through multiple Credit monitoring services that the account was no longer listed on my credit file and was deleted. Transunion failed to notify me within 5 days that the account was reinserted in my credit file. They also failed to prevent the reappearance of this unverified and inaccurate account information. They have officially violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agencyshall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agencyshall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on theconsumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). I have proof of the credit monitoring services saying that this account was in fact deleted before it reappeared.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-26
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXBalance : {$2400.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX 54661605****Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$5000.00}.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion is report inaccurate car payment balance that has been paid off about 1year XX/XX/2022 now balance of {$2200.00} still reporting incorrectly
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I inadvertently transferred {$5000.00} from my Chase checking account to my XXXX  checking account instead of the intended account, as my XXXX  checking account was closed. Realizing the error, I promptly contacted XXXX XXXX at the supervisory level to investigate the transaction. 

Upon scrutiny, the XXXXXXXX XXXX manager reported that there was no record of a {$5000.00} transaction in their ACH records spanning approximately 60 days. However, according to Chase, the transfer was successfully delivered to XXXX XXXX on XX/XX/XXXX, given that it was a real-time transfer. Consequently, the {$5000.00} has been debited from my Chase account.

This situation has left me in a perplexing position, as there seems to be a discrepancy in the acknowledgment of the transaction between the two banks. No one knows where is my money. XXXX  asked me to contact Chase, Chase threw the ball back to XXXX saying the money has been already delivered to XXXXXXXX XXXX I really need my money back to pay the rent and buy my kid 's food. I am seeking assistance in resolving this matter. Thank you so much for paying attention to my case.
Consumer complaint received 2024-04-23
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. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (CA)

I write with utmost concern and urgency regarding the blatant violations present on my credit report. The following fraud account and unauthorized inquiries have been made without my explicit consent, constituting not only a severe breach of privacy but potentially identity theft. 1. Midland Credit Management XXXX 2. XXXX XXXX XXXX XXXX XXXXThis egregious violation not only questions the integrity of my personal information but raises serious concerns about identity theft in addressing these unauthorized inquiries, several key legal violations come to light. 1. Fair Credit Reporting Act ( FCRA ) Violations. Section 604. The inquiries lack permissible purpose, violating my rights to privacy. Section 606. The disclosure of investigative consumer reports occurred without proper authorization, Section 609. I have not been provided with adequate disclosures about these inquiries and fraud accounts. Section 611 : The procedures for disputing inaccuracies have been overlooked. 2. California Consumer Protection Code Violations. Title 37, Chapter 20 : Unfair or deceptive acts or practices have been committed. Section 37-20-110 : The unauthorized inquiries and accounts are clear violations of this code. Title 37 Chapter 20 : Unfair or deceptive acts or practices have been committed. Section 37-20-160. Procedures for correction of inaccurate information have been disregarded. I demand an immediate and thorough investigation into these violations, with prompt removal of these fraud accounts and unauthorized inquiries from my credit report. Failure to do so will compel me to take further legal action to protect my rights and seek redress from damages incurred. I am being violated by the Equal Credit Opportunity Act, as well as teh Consumer Credit Protecction Act. Your swift and decisive action in rectifying these violations is not only legally mandated but also essential in restoring the integrity of my credit history. I anticipate your cooperation in this matter and expect resolution within a reasonable timeframe. This complaint was construed and submitted in good faith.
Consumer complaint received 2023-04-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

on XXXX | sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type.

Per 15 USC 6801 it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (MI)

our company is reporting two accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. 

Please remove this from my credit report so I can start possibly rebuilding my credit and life. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AppFolio, Inc. (CA)

I received my credit score while applying to take over a lease with " Appfolio '' for an apartment complex in XXXX XXXX. I was denied the lease because of this score. When I check through my bank account, the credit score is XXXX. On the background check it says my credit score is XXXX.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, while reviewing my TransUnion credit report, I discovered a XXXX XXXX  with an outstanding balance of {$100.00} for XXXX XXXX. I paid the balance. Please find attached proof of payment. This debt was related to insurance for a vehicle that I no longer own. I promptly contacted XXXX about the issue, but they told me to contact XXXX. I contacted XXXX, and they agreed to remove the collection from my credit report if I paid the balance due. However, they never notified me that the account was in arrears in the first place. 

Despite my efforts, the credit bureaus have not deleted the collection from my credit report. I have attempted to dispute the issue with all three bureaus on three separate occasions. 

It is important to note that as of XX/XX/XXXX, Regulation F has implemented the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to contact consumers before reporting a debt to the three major credit reporting agencies. This contact can be made in person, by phone, or through mail or electronic message. Additionally, the debt collector must wait at least 14 consecutive days to see if a notice of undeliverability is returned after contacting the consumer.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

15USC 1681a ( 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 Experian 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 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 '' let 's be clear that I am not asking you to validate or verify anything. So please don't respond by telling me that cause that would be a waste of my time. Some of the negative accounts have been placed in Collection/charge-offs, late payments/ other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns relating to the Cancelation 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 for original information overview with the IRS against ALL entities involved
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AL)

There is a repossession being reported and it should not be. After reviewing my credit report I found there to be a major error. Credit Acceptance did not provide me in advance with the proper documentation prior to the repossession. I received absolutely no Notice of XXXX or any kind of XXXX Notice. This is has already caused me so many problems and now by incorrectly reporting it on my credit it is causing me more unnecessary stress.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Upgrade, Inc. (MD)

XX/XX/XXXX - Opened Checking account with Upgrade.com using a promotional offer that credits {$400.00} to my checking account once I complete 3 debit card transactions by XX/XX/XXXX. I also opened a Credit account with Upgrade.com the same day. 

XX/XX/XXXX - Received Email confirmation the debit card was sent to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - Received Email confirmation the CREDIT card was sent to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - I receive the CREDIT card in the mail at my home address on file with Upgrade.com. I still have not received the DEBIT card. 

XX/XX/XXXX - I still have not received the DEBIT card. I called Upgrade.com, but the representative I spoke with wanted me to wait a few more days " just in case '' it arrived. She confirmed my address is correct. 

XX/XX/XXXX - I still have not received the DEBIT card. I called Upgrade.com again to have my debit card replaced. The representative on the phone submitted another replacement request for the debit card. He confirmed my address is correct. 

XX/XX/XXXX - Received Email confirmation the debit card was resent to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - I still have not received the DEBIT card. I called Upgrade.com again to escalate the issue as my address was confirmed to be correct by several different representatives. I asked the representative to escalate the issue and she said raised an internal ticket to the product team so they can manually send my card. 

XX/XX/XXXX - I still have not recieved the DEBIT card. I called into upgrade again to check on the status of the internal ticket and there had been no further updates to it. The representative on the phone asked for an update on the issue via the internal ticket. 

XX/XX/XXXX - Received Email confirmation the debit card was resent again to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - I STILL have not received my debit card. There is no way to perform debit transactions with the checking account. There is no virtual card that can be utilized on the checking account. Furthermore, the Upgrade representatives I spoke with on the calls told me to call back later once I was closer to the promotion expiring to see if Upgrade will extend it. Upgrade has provided me no solutions in resolving this issue. They have repeatedly stated they do not expedite card ships under any circumstances and they have not provided me any other options or compensation other than repeatedly submitting requests for a new DEBIT card.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. There are multiple accounts on my report that I don't recognize. I did not open these accounts. I have not used these accounts. These accounts should not be on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX  regarding their failure to provide verifiable information to credit reporting agencies, resulting in inaccurate reporting on my credit report. Despite my attempts to dispute the information, XXXX XXXX XXXX XXXX  has failed to furnish accurate details, thereby adversely affecting my creditworthiness and financial standing. 

On XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed a dispute letter to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX TX XXXX, requesting clarification and verification of the information pertaining to XXXX XXXX XXXX XXXX. However, to my dismay, the letter was returned to me as undeliverable. This indicates that XXXX XXXX XXXX XXXX has provided incorrect or outdated contact information to the credit reporting agencies, making it impossible for consumers like myself to communicate effectively with them. 

Enclosed with this letter, please find a copy of my original dispute letter, along with the returned mail envelope, as evidence of XXXX XXXX XXXX XXXX  's failure to furnish accurate information. This demonstrates that XXXX XXXX XXXX XXXX  is not fulfilling their obligation to provide verifiable information to credit reporting agencies, thereby violating my consumer rights.