davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (OH)

XXXX ic system Someone was calling all day long from different knows an I ask one person can they send me copys off the bills because I move from there an my light bill should been cut off. Not shut off
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (LA)

Easy Pay Finance issued a loan to me with an interest rate of XXXX %  when the state maximum is ( if not mistaken ) XXXX %. When confronting the company, they were disrespectful and had no desires to resolve the issue. In the loan agreement it stated in section XXXX that a refund could be issued if there are conflicts with the law. There are. This is an example of usury. They have been sued by the District of Columbia and Colorado for their practices and ordered to pay for the damages. They continue to use their rent-a-bank scheme in other states. When asked about this being usury and stating that this was an illegal practice, the manager XXXX stated correct. After an email written to their customer service, I did not receive a response.
Consumer complaint received 2024-04-27
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. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2024-04-12
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: I.C. System, Inc. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Received email in spam folder stating account was past due. Logged in and checked account to notice a balance. I have not used the card. Looked for card and can not locate it. Card Lost/Stolen. I locked the card after seeing the fraud. I AM XXXX XXXX  and tried to find a way to contact customer service online but could not so I am now filing this complaint to seek help.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-04-27
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. (LA)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

THESE INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

There was a fraudulent transaction on my lost card. Filed report to WF. They denied to claim. Per their lead investigator, investigation has been conducted that includes my initial report and investigation of account whatever it means. I asked for clarification, he said that I was having a card in my possession where I clearly stated during the reporting that my card was lost.
Consumer complaint received 2024-04-27
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. (CA)

" Your agency is in violation! 
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 if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$2400.00} XXXX XXXX XXXX - XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX - XXXX {$2200.00} XXXX XXXX XXXX - XXXX {$4700.00} XXXX - XXXX {$240.00} XXXX XXXX  - XXXX {$240.00} XXXX  - XXXX {$0.00} XXXX  XXXX XXXX XXXX {$3200.00} XXXX - XXXX {$2100.00} XXXX - XXXX {$2100.00} XXXX XXXX XXXX - XXXX {$250.00} XXXX XXXX XXXXXXXX - XXXX {$460.00} XXXX - XXXX {$8200.00} XXXX - XXXX {$3200.00} XXXX  - XXXX {$0.00} XXXX - XXXX {$1800.00} XXXX XXXX XXXX {$3100.00} XXXX - XXXX {$2800.00} XXXX - XXXX {$980.00} XXXX - XXXX {$1100.00} XXXX - XXXX {$1000.00} XXXX XXXX XXXX - XXXX {$0.00} XXXX XXXX XXXX - XXXX {$0.00} XXXX  - XXXX {$1500.00} XXXX  - XXXX {$2200.00} XXXX  - XXXX {$220.00} XXXX  XXXX - XXXX {$0.00} XXXX  XXXX - XXXX {$0.00} INQUIRIES : XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX MO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act. The accounts listed below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I contacted XXXX, Equifax and XXXX to reinvestigate the following accounts : 1. XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/2018, Balance Reported : {$5800.00}. 
However, they stated everything was complete and accurate but that is not true as open date, date of last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly. 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 if the person knows or has reasonable cause to believe that the information is inaccurate. Also, XXXX, Equifax and XXXX are not even in compliance with Metro2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-01-09
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. (TX)

I am writing to express my deep dissatisfaction and frustration regarding the persistent issues and multiple unsuccessful attempts to rectify the delayed opening of my account with Credit Bureaus. Despite my continuous efforts to resolve this matter, the issue remains unresolved, causing significant inconvenience and concern. 

I initiated the account opening process with your institution, and unfortunately, I have encountered repeated delays. I have diligently followed all required procedures, submitted the necessary documentation, and complied with your institution 's policies. However, the account remains unopened, and the lack of progress is causing undue stress. 

I have made numerous attempts to address this issue by contacting your customer service department, providing additional information as requested, and patiently awaiting a resolution. Regrettably, these efforts have not yielded the desired results, and the matter persists, impacting my financial plans and causing unnecessary frustration. 

Attached is a detailed record of my interactions with your institution, including reference numbers and specifics of each attempt made to resolve this issue. I urge you to review this information comprehensively and take immediate action to expedite the opening of my account. 

As a prospective customer seeking to establish a relationship with your institution, the current situation has fallen short of the expected standard of service. I understand that challenges may arise, but the repeated delays and lack of communication are unacceptable.

I request that you prioritize the resolution of this matter promptly and provide clear communication on the steps being taken to ensure the timely opening of my account. If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to explore alternative banking options and escalate this matter to relevant regulatory authorities. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-04-27
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. (GA)

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.

Account Name : XXXX Account Number : XXXX Account Name : Chapter XXXX Account Number : Bankruptcy XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My car loan was paid in full - my auto insurance & XXXX insurance carriers paid MORE than the full balance of the loan. 

I'd previously filed a separate complaint against XXXX XXXX XXXX XXXX in XXXX because they were reporting my loan as a charge off. They sent a response advising there was an issue with the payment from the XXXX insurance XXXX but they initiated another claim to get the outstanding amount & would correct my credit report once they received the payment. 

After a review of their financial records, in XX/XX/XXXX XXXX XXXX XXXX XXXX sent a letter advising that they discovered my loan was actually overpaid & issued a refund check plus interest ( see attached ). For some XXXX forsaken reason, XXXX XXXX began actively reporting the account as a charge off on my credit reports in XX/XX/XXXX & have been doing so for the last 6 months. Not only was the loan MORE than paid in full & not charged off, the loan is from XXXX & has not been active in years so there is no reason for them to be actively reporting it on my credit as a current charge off. 

This is the second time I've had to file a complaint against XXXX XXXX for adding wrong/disparaging information on my credit report. Obviously, this new issue with them has resulted in XXXX credit drop at their hands, They continue to cause me distress, both emotional & financial, with their inaccurate reporting. They've been fined for poor/predatory banking practices so many times that it's unbelieveable they are still allowed to do business. When are you all going to actually protect consumers & shut them down?
Consumer complaint received 2024-04-27
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-11-18
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-01-09
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. (TX)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-31
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: CAINE & WEINER COMPANY, INC. (GA)

CAINE & WEINER HAS VIOLATED 15 USC 1681 A1AI BY NOT RESPONDING IN 30 DAYS TO MY DEBT VALIDATION LETTER THEY RECEIVED ON XX/XX/2023 TRACKING # XXXX.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal online complaint against XXXX, TransUnion, and XXXX regarding inaccurate credit reporting. I previously submitted a written complaint on XXXX XXXX XXXX through mail but have yet to receive any response. 
I am distressed by the ongoing inaccuracies in reporting late payments on my credit reports by XXXX, TransUnion, and XXXX. Despite my initial attempt to address this issue through a written letter, I have not received any acknowledgment or resolution. 
The discrepancies pertain to late payments on my XXXX XXXX account ( account number : XXXX ) for the months of XXXX, XXXX, and XXXX. I demand a thorough investigation into these inaccuracies and request the provision of verifiable proof regarding the alleged late payments. 
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I insist that XXXX, TransUnion, and XXXX physically verify the original signed consumer contract for the mentioned account. The failure to positively verify these accounts has adversely affected my creditworthiness and has impeded my ability to obtain credit. 
I am now submitting this complaint through the Consumer Financial Protection Bureau 's online portal to seek a prompt and effective resolution to this matter. I demand that XXXX, TransUnion, and XXXX verify or remove the inaccurate information immediately. Furthermore, I request the removal of non-account holding inquiries over 30 days old and the addition of a promotional suppression to my credit file. 
I expect a thorough investigation and corrective action from XXXX, TransUnion, and XXXX. As stipulated by federal law, I request the completion of the investigation within thirty ( 30 ) days and the provision of a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days of the completion of the investigation. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist in facilitating a prompt resolution to these inaccuracies in credit reporting.
Consumer complaint received 2024-01-09
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. (FL)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.