davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (GA)

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 am including it again. 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 Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-12-12
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 certified mailed a copy of a police report, and FTC affidavidt along with a letter explaining accounts that are on my consumer report that are a result of identity theft. This letter also included verification of my identity. The law states that the credit bureaus have four business days the block these accounts from my report. The credit bureaus continue to break the law and violate my rights under FCRA by not blocking accounts that are a result of identity theft from my report.
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The vehicle, a XXXX XXXX XXXX, was paid off as of XX/XX/XXXX. Capital One Auto Finance, the lienholder, insisted by phone that they provided the California Department of Motor Vehicles with a release of lien, which they did not. They blamed the DMV for the delay in receiving my title. I checked with my local DMV desk at a XXXX office earlier this year and they confirmed that there was still a lien of " {$0.00} '' against the vehicle.
Consumer complaint received 2023-12-12
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. (TX)

On XX/XX/23, I submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information reported on my credit report. I provided detailed information on the accounts and highlighted violations made against my consumer report. Attached below are copies of all letters sent. 

It has been more than 60 days since the disputes were submitted, and to date, there has been no response from any of the credit bureaus.

Specifically, I am concerned about the following violations : Violation of FCRA 623 ( a ) ( b ) : Failure to mark the disputed account as disputed, as required by the Fair Credit Reporting Act.

Violation of FCRA 605 ( c ) : The reporting period seems to be in violation, as the date of last activity on this account is not reflective of the last payment date, as it should be.

Violation of FDCPA 809 ( b ) : Continuous failure to validate this collection account, as confirmed by the FTC opinion, further violates the Fair Debt Collection Practices Act.

These violations undermine the accuracy and fairness of my credit report, and their continuation is concerning. I request an immediate and thorough investigation into these matters and the removal of inaccuracies as required by law.

Your urgent attention to rectify these issues and respond to my disputes is imperative. I anticipate your prompt resolution in accordance with federal regulations.
Consumer complaint received 2023-12-17
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian Is reporting Inaccurate information on my consumer report Violation of the FCRA 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested a copy of the original signature from the application be sent to my home address. I am requesting proof that XXXX XXXX allowed to practice debt collections in the State of Florida. This account has been be reported negatively for over seven years. I request on several occasions the reporting history from the opening of this account be sent since 2016. If XXXX XXXX  had the complete file it would show the original Date of the application., Reassignment to collections does not restart the seven year window. Please send a complete file that shows each purchase each month to compute the amount claimed owed.
Consumer complaint received 2020-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

I attempted to recieve my unemployment back pay that I've been waiting on since XX/XX/2020. Literally, the day my funds are released, out of nowhere my account is disabled. No reason given. I was told it could be something in my account history, transaction disputes, or other possible violations of Cash App policy. Well there was nothing wrong the last time I used my card to get XXXX food or purchase an in app game purchas the night before. Im not sure how they came to this conclusion, but there is no recourse for me as a customer. Im helpless. Im stuck. My car payment is behind ( my fault, I know ) and I'm in repo status. My alternator broke 2 weeks ago now I cant move my car to try and make money. I was relying on Cash App to bring me through. My unemployment account already had an error fixed on it, which is why it took so long to be disbursed to begin with. I chose cash app as it had never done me wrong. Boy what a mistake that was. No explanation? Just a XXXX email saying sorry we closed your account, but we won't let you reopen it either. Tough luck and deal with it. What a bully way of handling someone who chose to use your company and trusted your company to secure their financial wellbeing. This type behavior is what is going to kill the next generation of banking users. The way they can freeze your life and you have to answer to them to get your own money. Its just a reminder we aren't free. Its depressing and very eye opening. Any company handling consumer funds, especially credit cards/debit ( prepaid or not ), should have mandatory live phone customer support and have to provide an exact reason why they closed the account. Otherwise how do I know this wasn't discrimination against the poor? How do I know I wasn't targeted? I want an answer for why I'm going to have to wait an additional 7 weeks for my money to be disbursed again.
Consumer complaint received 2019-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (AZ)

I have filed 4 complaints and it has been weeks no update or anything im assuming they arent going to help i have 2 accts with Cashapp old acct : $ emoneyshoots and new acct : $ XXXX and I am not getting any help email is XXXX old phone # is XXXX and new phone is XXXX i need to access my old acct and grab the money from my new acct please help
Consumer complaint received 2023-11-22
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. (NY)

I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect XXXX XXXX XXXX - Incorrect
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (MI)

Seterus mortgage company is the worst, most frustrating company. They have increased their monthly premiums {$300.00} since XXXX XXXX XXXX sold me to them. Interest rates are rediculus. Hard to reach a human being for any help. Have been hung up on. They have screwed up on so many occassions ... so frustrating. I tried to set up bank withdrawals which they screwed up, late fees acrued and dock to my premium ( not my fault ). They tell me taxes must be in mortgage until XXXX % of mortgage is paid off, interest applied of 6.125 %. 

XXXX, XXXX XXXX. XXXX, XXXX XXXX, mi XXXX XXXX
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX
Consumer complaint received 2023-12-12
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)

There are 2 accounts reporting that I am not familiar with. I don't recognize either one. Please help me to get these accounts remove from my credit report. 
XXXX XXXX account with a balance of {$3000.00} and XXXX account with a balance of {$4100.00}. 

Please remove this incorrect address and employer information XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EDvantage LLC (CA)

My son applied to the university in 2011 and accepted to attend in XXXX XXXX. He received a partial scholarship. He was an A student from XXXX XXXX XXXX. They said it did not cover all the tuition. They told me I had to sign the parent plus loan or he could not attend that school. My son had worked so hard to get accepted, and I could not allow that to stop him because I didn't work. I spoke to the university financial counselors. I told them I was on total XXXX retirement from XXXX. I was forced to sign and they counted it as income. However, I did not work from XXXX XXXX and included proof letter from XXXX and was considered permanently disabled during this period. Sent my application for discharge to XXXX, edvantage, XXXX, XXXX, was told I was going to be discharged, but after covid they said I still owe money. Tried disputing with credit bureaus. 

I have requested they discharge my loan to XXXX, XXXX, and XXXX. I have included further pertinent information and all medical reports from doctors, proof from XXXX XXXX letter, and the application requesting a discharge, I have more documention to present of my illness. Today, I continue to have lupus and fibromyasia and I am in remission. However, when my son was in school I was 100 % totally permanently disabled and did not work from XXXX, I attempted to return to pay this loan because it has not been discharged. Shown all documention I was disabled when loan granted. 

I have paid the loan for more than 10 years, and I still owe the same amount because interest was being paid at 8 %. I have asked they use my forgiveness plan since i worked as a teacher. It was denied. They claim it was a parent plus loan and was for my son. No one will listen or review my information. I need to be forgiven.
Consumer complaint received 2024-05-15
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. (CA)

I called the bank and explained what happened. They advised me to open a fraudulent claim. They filed the claim. I got a letter today advising me that the claim was wrongly filed and due to this, I couldn't do anything and they couldn't protect me.
Consumer complaint received 2024-05-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

Purchased and activated a vanilla visa gift card at XXXX. The card numbers are not matching the online activation site ( XXXX digits printed vs. XXXX digits required ) The company has no customer service options or means to contact a human. The card was properly activated. It is not usable online or at a retail store.
Consumer complaint received 2023-12-12
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. (FL)

I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the crdit bureaus, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Incorrect Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2023-12-12
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. (PA)

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 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (AR)

Opened account in XXXX. Tax return deposited in account XX/XX/XXXX. Called bank to inform them I would be making a withdrawal of a large amount and wanted to make sure it would clear. They gave me the go ahead. Attempted transaction and account was frozen. Account has remained frozen continuously since XX/XX/XXXX. Called numerous times to resolve. Completed identity verification using ID and biometrics upon request from the bank. Account freeze still wasnt lifted and no contact from bank at all. Called back again and they are requesting identity verification again despite already doing it. They said they are suspicious of the phone number on my account because it wasnt mine. I explained that I had a XXXX and my friend helps me with things that I have trouble doing myself since the XXXX. At the time the account was opened my friend used her number because I didnt have a phone because I had been in the hospital for so long recovering from the XXXX. Bank refuses to remove freeze after being repeatedly asked to do so. 

The only notice they have sent me in written form was the initial notice that it had been frozen. Aside from that, they havent initiated any contact with me. Ive completed identity verification for them and they asked me to complete it again but I was never sent the link to use for the verification. I called them back after it had been XXXX days since they said I would get it in an email but it never arrived. When I requested to have the link sent to me again due to not receiving the email as expected, the representative replied by saying that my account would be closed for violating the membership disclosures. I asked how I would receive the funds held in the account. The representative said that I was no longer entitled to the funds in my account. I was very upset at this point and I clearly stated that the bank needed to release the hold against my money and return the money to me and tried to ask for more information about why they could just take all of my money but I couldnt finish asking the representative because she hung up on me instead of providing any kind of assistance. The balance held in the account is {$3500.00} as of today XX/XX/2024. The freeze began on XX/XX/2024 and has been withholding my money from me the entire time without reason or explanation of what I can do to get my money back from this bank.
Consumer complaint received 2023-12-12
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. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Consumer complaint received 2023-08-28
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: EQUIFAX, INC. (MI)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act this creditors has violated my rights under 15 us code 1681section 602 A state i have the right to privacy.

15 usc 1681section 604 A section 2 also state consumer reporting agency can not furnish an account without my written consent. 


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