davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In early XX/XX/2023, a XXXX  Checking Account check payment ( Check # XXXX, for {$1600.00} ) I made payable to my landlord ( XXXX XXXX XXXX XXXX XXXX and sent via USPS Mail was fraudulently intercepted and cashed by an unknown party via Citizens Bank. I promptly notified XXXX and submitted the necessary documents with a signed statement from my landlord representative on XX/XX/2023. XXXX opened the claim, investigated, and issued a temporary credit for the stolen check amount {$1600.00} on XX/XX/2023. XXXX repeatedly contacted Citizens Bank ( the bank that cashed my check without properly verifying the identity of the payee ) and has not yet received a response. Due to lack of response from Citizens Bank despite many inquiries, XXXX reversed this credit in XX/XX/2023, removing {$1600.00} from my account. When I called XXXX customer service to inquire, XXXX representatives explain that XXXX can not reimburse my stolen check amount until they receive a response, with no definitive timeline of when XXXX would assume responsibility to reimburse me if Citizens never respond at all. The initial credit that XXXX provided for me is only a courtesy and expires after 90 days if XXXX can not resolve the dispute with the other bank. After dozens of times contacting XXXX without a clear resolution during the span of 10 months, I still can not recover the money stolen from my checking account. XXXX can not offer me any clear timeline or pathway for this issue to be resolved if Citizens Bank never responds to XXXX  multiple inquiries. In the last letter I received from XXXX on XX/XX/XXXX, they are putting the responsibility in my hand to recover my funds from Citizens Bank. Citizens Bank must take responsibility for improperly verifying identify and cashing a fraudulent check for an unauthorized party, resulting in a theft of {$1600.00} from my checking account.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I reviewed my credit report on XX/XX/XXXX. I noticed that some things were not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to provide maximum accuracy of the information concerning about who the report relates. This account is not accurate. I notified in writing and online Transunion that XXXX listed on my credit report as late in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account is closed and paid in full. It is however reporting payment schedules as inaccurate. All payments were made on time and not late.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NC)

My payments are due on the XXXX of each month and reported after my payment is made. The status of my credit card was reported on the XXXX prior to XXXX  days and before my payment is due for XXXX. This has caused my credit score to drop significantly.
Consumer complaint received 2023-05-16
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. (GA)

I am writing to you in regards to a recent notification I received concerning new accounts appearing on my consumer report that I do not recognize or have any association with. This letter serves as a formal request for the information related to these fraudulent accounts to be promptly blocked and deleted from my consumer report, in accordance with the provisions outlined in 15 USC 1681c-2.
Consumer complaint received 2024-04-24
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: 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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

To : XXXX XXXX XXXX XXXX XXXX AND LVNV Funding LLC I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC XXXX XXXX of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Consumer complaint received 2023-11-01
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)

XXXX XXXX XXXX has preyed upon me as a XXXX adult and continues to repossess my vehicle without first giving me the option to voluntarily meet in an agreed upon location as is required by Florida law. XXXX XXXX has charged me alleging that I must pay $ XXXX in order to now recover my vehicle. I only have XXXX payments remaining on the loan at $ XXXX. There is no way I owe this amount on an {$8000.00} vehicle when I was unlawfully required to put down {$4500.00} as a downpayment. This is the XXXX time this year XXXX XXXX has extorted me without showing me proof of what is owed on the car loan. XXXX XXXX has not provided me a ledger or an adequate contract that notes the amount I allegedly owe. XXXX XXXX does not have a valid security agreement nor a XXXX financing statement that would allow for them to hire a XXXX party debt collector to steal and confiscate my car and narcotics within the vehicle. I am being targeted and coerced into being defrauded. XXXX XXXX shall not be allowed to oppress me while simultaneously and directly effecting my daily activities and my health as a whole. I am demanding proof and the immediate cessation of collection activities. Furthermore, XXXX XXXX continues to tarnish my reputation and cause me to be subject to prejudicial treatment as they continue to unlawfully report alleged late payments on my credit report when XXXX XXXX knows it does not have my consent not the authority to report such activity by law under the FCRA 15 USC 1681a ( d ) ( 1 ) ( A ). Remove the late payments and return my vehicle or I will be forced to take legal action.
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. (VA)

I discovered this company ( XXXXXXXX XXXX XXXXXXXX XXXX had been reporting two fraudulent credit card accounts on my credit reports when I obtained my credit reports on or about XX/XX/XXXX, following my denial of favorable auto loan financing on or about XX/XX/XXXX with an auto lender. Subsequent to discovering these fraudulent accounts, I immediately alerted the the company each of the credit bureaus, the FTC and filed identity theft reports with my local police department. I contacted this company by telephone multiple times and spoke at length with several different representatives from their internal Fraud department to file a complaint and learn more information about the details of the nature of the company and how the fraud was able to transpire. Each representative I spoke with asked me a series of security questions such as my phone number, email address, bank account numbers, SSN, DOB, and other personal information and informed me that their conclusion was that the accounts were indeed opened by someone else who had been using my identity, but different contact and banking information. I was provided a report number and informed that an internal review of their findings by a higher department would be concluded within 3-5 business days and that I should expect to see these accounts deleted from my credit reports " very soon. '' That was over 45 days ago and I have yet to receive any communications from this company and these fraudulent items are still reporting on my credit reports. I also received communication from the credit bureaus via updated credit reports around XX/XX/XXXX, stating that this company had initially certified to the credit bureaus that these accounts were being reported accurately despite my initial request to the bureaus that this information be blocked due to being the result of identity theft, which also further violated my rights under federal law.
Consumer complaint received 2024-01-07
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)

NOTICE : Equifax and DEPT OF EDXXXX have violated my privacy rights by reporting such accounts to my credit file. According to The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 both entities have violated my privacy rights. 

CITED LAWS : XXXX. The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 2. 15 USC 1681n : Civil liability for willful noncompliance. 

REPORTED EDUCATIONAL ACCOUNTS : XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$2900.00} XXXX ) XXXX - {$9200.00} XXXX ) XXXX - {$3000.00} XXXX ) XXXX - {$3500.00} XXXX ) XXXX - {$6000.00} XXXX ) XXXX - {$3300.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$4500.00} DAMAGES : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2023-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I am writing to formally file a complaint against Transworld XXXX XXXX pertaining to a critical matter concerning my credit reports.It has come to my attention that Transworld XXXX XXXX has reported the same account twice on my credit reports. This erroneous duplication has resulted in severe health and financial consequences for me. Despite my sincere efforts to establish and maintain a favorable credit history, this incident of negligence on the part of your organization has caused a significant decline in my credit score, rendering me unable to apply for essential bank loans. 

The ramifications of this error have been nothing short of catastrophic, as it has severely impacted my financial stability and overall well-being. I urge Transworld XXXX XXXXXXXX to take immediate and appropriate action to rectify this situation, which has left my life in disarray.I kindly request that you promptly investigate this matter and correct the duplicate reporting on my credit reports. I also expect that you provide me with written confirmation of the resolution, as well as any actions taken to amend my credit report, within 30 days of receiving this complaint, in compliance with the Fair Credit Reporting Act. 

Failure to address this issue in a timely manner may compel me to explore legal avenues to protect my rights and seek redress for the damages I have incurre
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently discovered that CAPITAL ONE has reported inaccurate information to the credit reporting agencies. This erroneous reporting has not only damaged my credibility but has also caused significant financial and emotional distress. 

According to the regulations outlined in the 15 U.S. Code 1681s2, furnishing inaccurate information to consumer reporting agencies is strictly prohibited. CAPITAL ONE has a legal responsibility to ensure that the information they provide is accurate. However, they have failed in this duty. 

CAPITAL ONE has reported a debt as part of my credit history, which is inaccurate. As per the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns and not as debts on consumer reports. Therefore, the reporting of this account as a debt is incorrect and goes against the established regulations. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 

Furthermore, I have not received a Form 1099-C from CAPITAL ONE, which is required if the canceled debt exceeds {$600.00}, as per the IRS guidelines XXXX This form is crucial for accurately reporting taxable income. 

I am deeply disturbed by this incident and the impact it has had on my financial well-being. I am taking steps to rectify the situation and ensure that my credit report reflects accurate information.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

You Must follow the consumer law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating XXXX stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to file a formal complaint against Transunion regarding their handling of my consumer/credit report, which I believe to be in violation of federal laws passed by Congress, including Title 15, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

Since XXXXXXXX XXXX XXXX, I have been corresponding with Transunion regarding identity theft and fraud on my consumer report, stemming from a data leak at XXXX that compromised my private information. Despite numerous communications, Transunion has failed to address my concerns and continues to report inaccurate information on my consumer report. 

I have repeatedly informed Transunion that it is unlawful for anyone to possess my private information ( such as name, address, SSN ) without my consent or authorization. Despite providing evidence, including correspondence from creditors acknowledging fraudulent accounts opened in my name, Transunion has refused to remove or block these fraudulent entries from my report.

Furthermore, Transunion has disregarded my requests to adhere to federal laws enacted by Congress, which mandate accurate and truthful reporting on consumer reports.

I have taken the necessary steps to protect myself, including filing a report of fraud and identity theft with the Federal Trade Commission ( FTC ) ( Report # XXXX ) and providing XXXX with current identification and supporting documents to verify my correct information. However, Transunion has failed to assist me in rectifying the situation and continues to ignore my demands for accurate reporting. 

I am seeking the assistance of the Consumer Financial Protection Bureau to protect my rights and ensure that Transunion complies with federal laws governing consumer reporting. I request that the CFPB investigate this matter thoroughly and take appropriate action to compel Transunion to remove fraudulent entries from my consumer report and report accurate, honest, and truthful information.

Relative laws 15 U.S. Code 1681b, 15 U.S. Code 1681c, 15 U.S. Code 1681c1, 15 U.S. Code 1681c2, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1611, 15 U.S. Code 1681s, 15 U.S. Code 1692, 15 U.S. Code 1692e, 15 usc 1666.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, [ XXXX XXXX ] XXXX XXXX rights reserved w/o recourse
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This company is reporting late payments for XXXX XXXX XXXX XXXX XXXX and has failed to provide any verifiable proof within 30 days of my requests to do so. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is delivered to the consumer not later than 21 days. I never gave any written instructions to furnish this data which is a violation of 15USC 1681b. They must comply with 15USC SEC 1681li ( a ) and I am gathering all of this information with help from my attorneys for further litigation. I demand said late payments be removed immediately from my consumer report.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My social security number was a victim of identity theft. I have reported this and sent police reports and ftc identity theft reports several times to discover and Ive been told that they would delete this account. I was told it was marked out as fraud and deleted, yet discover is still reporting this fraudulent account six months later. This is a violation of the FCRA, and a violation of all of my consumer rights. This needs to be deleted immediately and removed from my credit report permanently
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX