davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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. (IL)

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 XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

my account was created on paypal nearly XXXX years ago and has absolutely no problems and it has been fine all the time. Now that PayPal asked for a photo of my ID, I have already attached it. After that, my account was permanently restricted and I was told that I am a minor, and this is completely untrue. I am not a minor. I was born in XXXX. This is written in my passport, which I sent to the verification center, and my date of birth is also written in my PayPal account. When I created the account, I think that there was an internal error that occurred. I have been dealing with them for XXXX years with all honesty and with all seriousness. Please, return my account to its previous status. I want my account back because my work was stoped for this problem. I hope you look at this problem with kindness and mercy. Thank you all.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (AZ)

In the beginning of 2020 I opened a cash app account which I had my first stimulus check deposited into directly. In XXXX of 2020 my account was compromised and I lost access to the account I tried contacting cash app support to verify that my account had been closed however my second stimulus check was deposited into the account which I do not have access to. Cash App has offered no support helping me regain access to my account nor have they blocked the stimulus deposit.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XX/XX/XXXX
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: B&F Finance Corp. (OK)

I advised on XX/XX/XXXX that i will try to make a payment on XX/XX/XXXX. I explained that im not working full time due to XXXX. I Rcvd at least 2 or 3 calls each day since XX/XX/XXXX. I received text messages and voicemails stating i will be sued. I received a phone call at work on XX/XX/XXXX from B & R Finance which my employer advised that i can not accept personal phone calls. I received a phone call at work again after advising that i can not accept personal calls. I dont want my job at risk.
Consumer complaint received 2024-06-14
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. (GA)

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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contacting 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 7 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, please see the letter attached from the bankruptcy court stating they do not report to any consumer reporting agencies providing bankruptcy information. The letter from XXXX XXXX locating and removing the bankruptcy information from their database. I have not given you a written consent to document or save my bankruptcy information in your database system. Please provide me a letter stating where you obtained the bankruptcy information. If it is from the bankruptcy court, IT IS AGAINST THE LAW! Also, please provide me the letter I wrote to your company to furnish, store, input, obtain, etc. my personal information for your companys database. Please remove the bankruptcy and accounts associated in the bankruptcy immediately from your database. Under the FCRA, I am guaranteed the right to sue a party that has violated my rights or protections under the act. If a credit bureau or furnisher is continually reporting false information, despite your efforts to dispute the information, I have grounds for a lawsuit. 


Page XXXX Name inaccurate. See Drivers LicenseREMOVE BANKRUPTCY! 
Page XXXX Address inaccurateSee Drivers LicenseREMOVE BANKRUPTCY! 

See Bankruptcy Document : Pages 19-24 Creditors filed in BankruptcyPlease remove all accounts documented on my credit report below. They are not documented with accuracy with original amounts nor documented as included in bankruptcy. Also, provide me the letter I wrote to your company to store these accounts in your database. REMOVE THESE ACCOUNTS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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. (NJ)

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. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau 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 or delete 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
Consumer complaint received 2023-12-13
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. (DC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (KY)

I sent {$100.00} to a friend via CashApp on XX/XX/XXXX. They contacted me to let me know that they had to get a new phone and lost all their contacts, as well as access to rheir CashApp account. I attempted to contact CashApp support, but they said they couldn't pull the money back, since the transaction had completed. My friend is unable to access their email associated with their account, and would have to create a whole new account in order to continue using the app.
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (CO)

Midland credit management contacted my ex-husband, on his cell phone, looking for me, about debit that they say I owe from a XXXX XXXX XXXX XXXX. The person gave him the proposed amount due, the last 4 of my social security #, my physical address, my date of birth, date of last payment on the credit card ( 2019 ) and I have never received any mail or correspondence about this debt. Today, I received an early morning phone call, before XXXX from a gentleman that did not verify he was talking to the right person and a revealed all my personal info again on my cell phone ( name with spelling, date of birth ( wished me a " happy birthday '' ), last 4 of my social security and my full address with amount due and last pyment in 2019. I let the representative know I did not know what he was talking about, that I needed something mailed to me ASAP.
Consumer complaint received 2023-04-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

XX/XX/2021 is when I completed my documents regarding identify theft for the mortgage account Carrington, which was fraudently opened without my consent. I am a co-borrower who has been dragged onto this account without m had advise the provided necessary documents to initiate the investigation as for the identify theft, police report, evidence. Which I have not heard from the company regarding status. So i contacted them in XXXX, which there was no updated information and was advise the individual was looking to re-finance the property. I had mentioned to them that I would not be partaking on the re-finance and needed to speak with the department. I reached out again in XXXX and still was advised that there was no updates regarding research and nor have I heard from them
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX fraudulent account It was removed from my credit an added back an it's affecting my credit score my score dropped XXXX points because they added a fraudulent account back to my credit after deleting it an by law this can't happen
Consumer complaint received 2022-06-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (NJ)

I received a Square debit card in the mail that I did not request. I do not know how the account got opened. It was sent to my home address in my name. The issuing bank is XXXX XXXX, the company is Square Inc .
Consumer complaint received 2024-02-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (CA)

National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX  XXXX added a collection to my credit report in XX/XX/2023. The original creditor never notified me, and National Credit Systems never contacted me in any way despite my mother being the guarantor on the lease with all contact information on file, including my permanent address, emails, phone numbers, and a forwarding address with the post office. I have had no opportunity to dispute this claim. I sent them a certified mail letter but am still waiting to receive a response.
Consumer complaint received 2024-06-14
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)

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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contacting 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 7 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, please see the letter attached from the bankruptcy court stating they do not report to any consumer reporting agencies providing bankruptcy information. The letter from XXXX XXXX locating and removing the bankruptcy information from their database. I have not given you a written consent to document or save my bankruptcy information in your database system. Please provide me a letter stating where you obtained the bankruptcy information. If it is from the bankruptcy court, IT IS AGAINST THE LAW! Also, please provide me the letter I wrote to your company to furnish, store, input, obtain, etc. my personal information for your companys database. Please remove the bankruptcy and accounts associated in the bankruptcy immediately from your database. Under the FCRA, I am guaranteed the right to sue a party that has violated my rights or protections under the act. If a credit bureau or furnisher is continually reporting false information, despite your efforts to dispute the information, I have grounds for a lawsuit. 


Page 1 Name inaccurate. See Drivers LicenseREMOVE BANKRUPTCY!

Page 2 Address inaccurateSee Drivers LicenseREMOVE BANKRUPTCY!

See Bankruptcy Document : Pages 19-24 Creditors filed in BankruptcyPlease remove all accounts documented on my credit report below. They are not documented with accuracy with original amounts nor documented as included in bankruptcy. Also, provide me the letter I wrote to your company to store these accounts in your database. REMOVE THESE ACCOUNTS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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. (MI)

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  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 2023-12-13
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. (CT)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-06-07
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CO)

I paid my balance off. I specifically ask for the full balance and I paid it off in XXXX. Then I got a statement saying a {$5.00} cents. I called to inquire what that's for and the lady said I was late. I've never been late. Then she looked and said she can't remove it and it wasn't because I was late. So what I get charged interest on a XXXX balance. This is absolutely insane. I asked her what I had to pay in order to close the actual account and she stopped responding. So what are they going to do just keep charging me {$5.00} a month to have a XXXX balance on a card that I want to close? Charging every consumer with this card {$5.00} on XXXX balances certainly makes a lot of money but it's also extremely and morally wrong. How can they get away with this?
Consumer complaint received 2024-05-17
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TX)

I have already paid title max more than what l had borrowed. Every time l make a monthly payment it asks you to renew the contract and the amount never goes down. I just want my title back. I stopped making payments and I'm not paying them anymore.