davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-21
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: Experian Information Solutions Inc. (OH)

Hello CFPB, I'm submitting a complaint on the credit reporting bureaus XXXX, XXXX, and Experian on my consumer reports. I requested a verification and removal of a XXXX XXXX XXXX from the consumer report, Verification of Creditor accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, due to Charge offs, Late payments, Evictions 15 USC 1681a 2. Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information. I requested that the bankruptcy be verified, since its showing on my credit report/consumer report. They came back saying it was verified on XX/XX/23. How could they have verified a bankruptcy? Who did they contact in the court to verify the information? I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law. A charge off on my consumer report is a violation of my consumer rights. A late payment 15 usc 1681a is a transaction and should not have been added to my consumer report/ credit report.

I've requested by phone that my name and address information be updated and all information not current be removed. It's still showing on my reports. 

I've requested all inquiries be removed off credit report Will you please check into this and have this bankruptcy removed and all transactions removed from my consumer reports/ credit report.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

My information was sold and bought illegally because I was a victim of the Equifax data breach I want these items deleted from my credit reports effective immediately I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing please help me delete these illegal accounts from my credit reports list all those negative accounts from your equifax credit reports accounts names and account numbers and file your complaint with CFPB
Consumer complaint received 2024-04-08
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
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. (AR)

I am writing to you to formally address the ongoing issue of fraudulent charges on my credit report. Despite my persistent efforts and multiple attempts, the fraudulent items associated with charge off accounts continue to persist on my credit file, even after many attempts to rectify the situation. 

The fraudulent charges on my credit report not only tarnish my creditworthiness but also pose a significant threat to my financial stability and reputation. Despite providing ample evidence supporting my claims of fraudulent activity, it is disheartening to witness the lack of action and resolution from your end. 

Furthermore, I demand compensation for the undue stress, time, and resources expended in attempting to resolve this issue. Your failure to address this matter adequately reflects poorly on your commitment to consumer rights and protection. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (KY)

XXXX XXXX Navient reported to credit bureaus that I was 90 days delinquent, however, they also reported XX/XX/year> and XX/XX/year> in good standing. This has affected my XXXX XXXX significantly, I have XXXX accounts totaling XXXX
Consumer complaint received 2024-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I received a message from Venmo stating that " my account statement is now available ''. 
I contacted Venmo and asked them to delete the account supposedly held in my name, supposedly held by me, that I never opened. 
They are stating that they will not close the said account until I provide them with more information. It is stunningly bizarre that a company would request MORE information from me before closing an account with my name and information on it. They are stating that they are doing this to " prevent fraud ''. 
Well obviously they are already failing at the " prevention of fraud ', so why would I possibly give them more information .... so that it can become compromised too? They apparently have information on me from somewhere, that they didn't receive from me, so if I give them MORE information, will they allow this information to be compromised as well?
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Merchants Credit Bureau, Inc. (GA)

Merchants CB XXXX- this is a company stating i owe the XXXX XXXX XXXX XXXX, which is false and the city is refusing to provide me with the information, my brother was shot going to his car and i advised this people i was going to move, provided them with the keys and the information they had the cameras and things. They sold my information without my permission to merchants cb XXXX i don't know this company for them to give my personal information to my social was disclosed as well as my personal contact information and they call faithfully.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

these amounts are not correct and not due to Domestic Relations Section. 
See attached as circled in the file. 
Please remove from the credit report ASAP. 
I do not owe this amount at all!! 
Thank you, XXXX XXXX
Consumer complaint received 2024-04-08
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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
Consumer complaint received 2023-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams, Rush & Associates, LLC (TN)

today XX/XX/23 around XXXX CT i was called from william rush debt collector and a woman called and automatically started trying to verify personal information which i told her i did not feel safe giving that information without knowing why she was calling and what company she is calling from. she stated well if you let me speak which i was and i was not rude and even calmly explained that i was and i restated i did not feel safe giving personal information without knowing what company she works for that and that's when she stated that i will just let them know to continue with their complaint and hung up on me. it wasn't till i called the number back at XXXX that the person who answered stated i was calling Williams Rush & Associates LLC and when i spoke that i was just called the line was disconnected again.
Consumer complaint received 2024-01-20
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (MD)

Direct Express in still deciding to hold my money even after I have a new account and social security no longer sends them my money they are holding over {$5000.00} and I have provided them with my transfer funds electronic transfer number to my new account that the social security administration has now please do something about this matter it has been over XXXX to 7 months they have been they also will not allow me to access the money that they still hold on my card that is still on my person and I know all the information on it nor have I requested for them to suspend it. They keep asking that I send them my photo ID copy of my photo ID front and back so that they can verify to a certain account number I refuse to do that and was instructed not to I provided them with the electronic funds transfer number to my new account that social security administration has please ask that they release my funds to my new account my electronic transfer number is XXXX I also learned that this address is not public I am still being a victim of identity theft conspiracy involving my assets that were comprised that's another story
Consumer complaint received 2024-01-20
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NJ)

It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states it's illegal to report transaction history. Title 12 Also states anything dealing with a securities is an automatic XXXX XXXX XXXX.
Consumer complaint received 2024-04-08
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 am writing to bring to your attention an issue concerning the accuracy of my credit report, specifically regarding the account information provided by TransUnion with reference to their file # XXXX. The reported accounts in question are XXXX account # XXXX and XXXX XXXX XXXX # XXXX. 

Upon reviewing my credit report, I observed discrepancies within the reported information. TransUnion claims to have verified and updated the aforementioned accounts ; however, crucial details such as the first date of delinquency, date of last payment, and date of last activity are conspicuously absent. Additionally, the reported date of removal appears to be inaccurate. 

As per the Fair Credit Reporting Act ( FCRA ), consumers are entitled to full transparency regarding the information contained in their credit files. It is imperative that I have access to accurate and comprehensive details concerning my credit history to ensure fair and informed decision-making by creditors and lenders. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) initiate a reinvestigation into the reporting of the XXXX account # XXXX and XXXX XXXX XXXX # XXXX by TransUnion. Specifically, I seek clarification on the method of verification employed by TransUnion and a comprehensive disclosure of all relevant details pertaining to these accounts. 

I trust that the CFPB will handle this matter with the due diligence it deserves and ensure that my rights as a consumer under the FCRA are upheld. Please provide me with updates regarding the progress of the reinvestigation and any actions taken to rectify the inaccuracies in my credit report.
Consumer complaint received 2024-01-21
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CO)

Dear Consumer Relations : I am writing to dispute a charge of {$5800.00} to my Macys credit card account sometime in early XX/XX/XXXX. The charge is in error because Macys XXXX XXXX Department did not thoroughly investigate this concern and charged my account for items I did not purchase. 

On XX/XX/XXXX, XXXX, and XXXX XXXX, many fraudulent charges were made to my Macys card, totaling to the amount of {$2900.00}. These charges were not made by me, as I have not shopped at Macys the entire XXXX and XXXX of XXXX. It was not until I made a furniture purchase on Macys.com in late XXXX XXXX that I noticed these charges to my account and that all of this time I had been making payments to these fraudulent purchases and not my own. Upon inquiring with Macys customer service, these charges were made at my local Macys but I havent physically gone to the store in that entire time. I called Macys XXXXXXXX XXXX sometime in XX/XX/XXXX and spoke with a representative who reversed these fraudulent charges, ensured that purchases I made were correct, and closed the account for safety, and assured me that the store will conduct a thorough investigation to include checking the security cameras in my local Macys to find the person who stole my account information. Again, I was assured that this would be handled promptly and efficiently. Based on previous statements, I do not make large purchases like the fraudulent ones and am very mindful of how I spend. 

On XX/XX/XXXX, I received a letter from the Macys XXXX XXXX stating that they did not find the investigation in my favor and had reversed all the charges back onto my new Macys card. Not only did they reverse the charges, but they double charged my account for an unknown reason, totaling the amount to {$5800.00}.
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, On XX/XX/2021I contacted XXXX XXXX to cancel my internet service due to selling my home. I was asked if I would like to suspend my service, and I declined. I asked for the final amount that I owed. A bank draft was issued for XXXX. As far as XXXX was concerned, I was done. I received a collection letter from XXXX late XX/XX/2021, and immediately paid XXXX. I also filed a dispute with each credit reporting agency ; XXXX, XXXX, and Transunion. XXXX deleted derogatory from XXXX, but not XXXX and Transunion. I have confirmation of XXXX noting Deleted. After I closed on my home XX/XX/2021, I also closed on a lot to build a smaller house. I applied for a Contruction/Permanent One Time Closing Mortgage and was approved. Hired a Contractor, Had an Environmental Company do research on the lot and apply for DEP and FDEP permits to build on the lot. This cost {$21000.00}. ( It has taken 12 months to get my permits ) During this time, not knowing it would take this long, I have spent 12 months in a friend 's guest bedroom with 3 small dogs ) At the time, I worked at XXXX XXXX as their XXXX XXXX, and was able to buy XXXX worth of construction materials at cost, knowing that supplies would be shaky in the future. So, I have XXXX in the lot, plus Environmental/Permits Costs XXXX and construction materials for a total of XXXX. At XXXX and having Excellent credit all my life, the collection report, has brought my life to a complete halt. I have worked on this problem since first filing a dispute in XXXX of 2021, and most recently the last 6 weeks with XXXX and XXXX and the credit agencies. I am at a loss as to how this can happen and can not be resolved
Consumer complaint received 2018-05-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX  and i have a inaccurate account on my credit from XXXX XXXX XXXX. I have already resolved this issue by directly with the company and i was removed but somehow transunion added it back to my credit report. I think transunion is purposely keeping XXXX XXXX  people credit score down so we cant get approved for anything. My credit card being paid on time increases my score by 1 point but if someone runs my credit it decreases it by 3 points. That doesnt make sense. My scores with XXXX  and XXXX are like 50 points higher than transunion and the inaccurate info for XXXX XXXX   was never added back to my credit report after the dispute was complete. Please investigate this is not fair
Consumer complaint received 2024-04-08
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. (MI)

On numerous occasions my credit was ran without my knowledge/consent. I have called plenty of times trying to see where all request were sent from and havent received any information yet. I get my credit ran for free every week, I would never consent to a credit check when I already have my credit score.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Company is in violation of FCRA by way of multiple instances of inaccurate reporting the report should only have one name one number one address and they are also reporting non public private information as far as my driver licenses my personal financial institutions information as well as an unauthorized use from finwise bank stating they had written consent which is false Ive never done businesses with that financial institution the company is furnishing my ssn and doing it all for profit by way of identity theft and is Liable for damages under FCRA
Consumer complaint received 2024-01-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (WI)

Had automatic monthly withdrawal set up from Marcus by Goldman-Sachs to pay my mortgage. Had sufficient funds for these transactions and had no issues with automatic withdrawals for 6 months. In XX/XX/2023, Marcus account was locked due to an internal fraud review with no contact made to me prior to or after this. I was unaware until I received notice from my mortgage lender that my account was XXXX. Marcus reversed my ACH payment to my mortgage lender 3 days after the payment was made. Upon finding out ; I verified my external accounts with Marcus to satisfy their review and was able to make a payment in XXXX and XXXX. The same situation then occurred again in XX/XX/XXXX, with Marcus reversing my mortgage payment 3 days after it was initially made. I was given no indication why I needed a second verification of the same accounts that had been verified in XXXX. My account remains locked and they were unable to resolve my issue or connect me with anyone to help resolve this tonight. I have had no formal contact from Marcus regarding these matters - no letters, no phone calls, no emails, which is entirely unacceptable.