davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MA)

There was a mistaken payment to me using XXXX and XXXX, and it was refunded at the time- no problem here. I received my 1099-K from Venmo listing the transaction as something I needed to pay taxes on - no problem here. I then searched for the monthly statement that would show that the transaction was refunded- here is the problem. However, I found that the monthly statement could not be used in this manner to prove that the transaction was refunded- the ID number and the timestamp for the transaction was not the same on the tax document and the monthly statement ( in fact, the monthly statement has it occurring in a completely different month due to the timestamp inconsistency ). All I want to do is use Venmo 's documentation to show that the transaction listed as taxable ( Date : XXXX XXXX ; Transaction ID : XXXX ) was refunded. However, the monthly statement documentation ( which has the refund proof ) lists the same payment with Datetime : XXXX and ID : XXXX. This is problematic, because I can no longer use Venmo 's documents to show that the taxable transaction was refunded Without matching ID numbers and timestamps, these transactions look like completely different items ( i.e. it falsely looks like the refund was for a different payment ).
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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. 


1. XXXXXXXX XXXX Account Number : XXXX I have no knowledge of this account. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 2. XXXX Account Number : XXXX My credit report shows that this account is Legally paid in full and it's not reporting with other Bureaus. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 


3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (MI)

I noticed this problem on XX/XX/XXXX Hard Inquiries : XXXX inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX 2022
Consumer complaint received 2023-12-07
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-07
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)

Please look at XXXX CASE # XXXX REGARDING THIS CONCERN I have disputed this account ending in XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX I have sent in a police report, fraud complaint/identity report copy of my ID and recently sent a letter from the creditor stating that this account is result of fraud. I have attached the letter from First access to this complaint and this account need to remove asap. If not me and my consumer law will pursue legal action.
Consumer complaint received 2023-12-07
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. (AZ)

Dear TransUnion I have one question? Why does your company continue to disregard the law when all Im trying to do is get this inaccurate information off of my credit report? You sent me an updated credit report stating the account was verified, but you did not tell me how. I read somewhere on the internet that your company use a computerized system called E-Oscar to process disputes. Is that correct? You dont call the creditors to verify this information? I also read on the internet, that you dont really verify the items ; you just look in your computer and verify that way. That is not what your company is supposed to do. You are supposed to do a true investigation according to the laws put in place to protect me. The account below is damaging. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Investigate, delete or fix date of last payments. 

When I talked with the furnisher they could not provide me with an explanation on why this account is reporting inaccurate. That is strange because they are the ones who put it on my credit report. Dont worry ; I will hold them accountable for their actions. I dont want to seek legal advice to protect my rights, but I will if this inaccurate information is not deleted. 

Please delete the above account and send me a full updated credit report ASAP Waiting.
Consumer complaint received 2024-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

After checking my credit report i noticed a fraudulent student loan account # XXXX XXXX/XXXX  on my credit report. 

DATE OPEN : XX/XX/XXXXXXXX  DATE OF DELINQUENCY : XX/XX/XXXXXXXX  Question : how can a delinquency occurred XX/XX/XXXXXXXX  yet the account was opened XX/XX/XXXX. The delinquency happened before the account was ever opened? 
How do you have a delinquency before there was ever an account????? 

I disputed the inaccuracy and the fraudulent nature of this student loan account and requested and investigation and removal from my credit file. They never submitted what i requested and continue to report on my credit file. As a matter of fact they keep changing companies and re-ageing the item rather than remove the inaccurate account.
Consumer complaint received 2024-03-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BETHPAGE FEDERAL CREDIT UNION (NJ)

I called on XXXX/XXXX/XXXX. I was told that I am not a borrower according to their records. I was present at closing and signed as a borrower. I was forwarded to the Resolution Dept. I sent them documentation. A clerical error on the closing cover page names me as a non-borrowing spouse. ( My son and I applied for the loan. ) The closing agent said its ok since Im named/signed as a borrower throughout the closing papers. I was told on XX/XX/24 that the only way to resolve this is for my son to refinance the HELOC at this time. XXXX XXXX XXXX XXXX contacted them twice, but they did not response.
Consumer complaint received 2023-12-07
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)

I wrote letters to the credit bureaus to reinvestigate these accounts, However, they stated everything was complete and accurate. Specifically, I asked for the original application bearing my signature as proof, which they have failed to provide. 

This situation is a clear violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681. The accounts in question, detailed below, infringe upon my rights to privacy and confidentiality as stipulated in the Act. 

Account Numbers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Despite my XXXX to have these accounts reinvestigated by the Credit Bureau ( XXXX ) XXXX their response was that the information was accurate. This is perplexing, especially when the open dates, dates of last activity, payment history and among other details, are evidently incorrect. Attached are screenshots as evidence of these discrepancies. According to 15 USC 1681i ( 15 ), there is an obligation to modify accounts that are inaccurately reported.

Furthermore, the following sections of the FCRA support my claim : 15 USC 1681 Section 602 A, which underscores my right to privacy.

15 USC 1781 604 Section 2.

15 USC 1681c ( a ) ( 5 ), which specifies the prohibitions on consumer reporting.

15 USC 1681 2 ( a ) ( 1 ), regarding the restrictions on furnishing consumer information. 

Additionally, XXXX practices appear non-compliant with the XXXX XXXX credit reporting standards. I have substantial evidence to support my claims and am prepared to present this if required. 

I seek your assistance in addressing this matter with all 3 credit bureaus to ensure that my consumer rights are upheld, and the inaccuracies in my credit report are duly rectified.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I was surprised that this account XXXX XXXX XXXX which is closed/paid is reporting negatively on my report. This account was paid and I was never late. I sent a letter to all credit bureaus but I never received a response from them. According to 15 U.S. Code 1681e ( b ) Everything reporting on the report need to be XXXX  % accurate. My attachments will show major inconsistencies in the reporting between the XXXX major Credit reporting agencies on XXXX XXXX. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Consumer complaint received 2023-12-04
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. (TN)

I am a victim of identity theft and I have been disputing my credit report with the correct information according to the FCRA. The disputes are not being filed correctly and the FTC report is not being attached to the disputes. And I am not getting the requested copies of the verification process. All of this is a violation of the FCRA
Consumer complaint received 2023-12-07
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-02-11
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. (MD)

My complaint is with Equifax about multiple letters from this company about a inquiry from XXXX. Equifax has sent letters telling me the inquiry has been removed. When I read my consumer report. The inquiry has never been removed when I dispute it I'm told its factual but I have several letters stating it has been removed. When I call in the representatives tell me to view my information on MyEquifax not other third party reporting agencies. I'm submitting the letters as FACTUAL PROOF that Equifax has been misleading with their reports. Equifax only responds to have the complaint shutdown but refuses to resolve the issue.
Consumer complaint received 2023-12-07
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)

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 : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 2023-10-23
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. (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 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 XXXXXXXX Balance Owed : {$7800.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX *** Balance Owed : {$0.00}
Consumer complaint received 2023-12-07
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. (VA)

In accordance with the Fair Credit Reporting Act, the each of the accounts directly violated my FEDERALLY PROTECTED CONSTITUTIONAL RIGHTS to privacy & confidentiality under : - US CODE 15 USC 16.81Sec . 602A. ( states the CONSUMER has the RIGHT to PRIVACY ) - US CODE 15 USC 16.81Sec . 604A. ( states the REPORTING AGENCY MUST OBTAIN the CONSUMERS PERMISSION ) - US CODE 15 USC 16.81C-A Sec.5 ( SHALL NOT release ANY adverse INFORMATION, OTHER THAN records from convictions of crimes which ante date the said report by more than 7 years. ) - US CODE 15 USC 16.81S-2 ( A ) ( 1 ) ( states the said REPORTING AGENCY SHALL NOT share information with the idea some info is or could potentially be inaccurately displaying information... )
Consumer complaint received 2017-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (GA)

I faxed written letter to company informing them that this debt does not belong to me. This debt continues to be resold to various collection agencies and each time I have had to dispute with credit bureau to get it removed from my report. I have contacted the original creditor who informed me that they no longer own the debt and that it is documented that it was not my debt. I have requested that this company validate this debt by providing me supporting documentation that validates debt, company has sent no communication. This debt needs to be removed from my credit report as it does not belong to me.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-03-25
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-07
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. (IN)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.