davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per FCRA 605B, it's required to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Several listed accounts are inaccurately reported. Compensation of {$1000.00} is owed for each erroneous entry on my credit file.
Consumer complaint received 2023-12-22
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)

XX/XX/XXXX I submitted a complaint to the CFPB in regards to an account listed as XXXX XXXX XXXX XXXX upon completion of this investigation XX/XX/XXXX it was determined that this account would be removed permanently due to Identity Theft. XX/XX/XXXX I submitted a dispute to TRANSUNION to remove the SAME account listed as XXXX XX/XX/XXXX the dispute had been completed and reflected as NOT CHANGED. This negligence accurately shows me that a complete comprehensive investigation had not been conducted on my behalf! 

The failure to further and fully investigate the matter is outrageous! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. 
A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations.

Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : *FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX XXXX Fine of {$1000.00}. 

*Defamation, financial injury- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. 

* Defamation, willful injury - FCRA Section 623 XXXX XXXX TRANSUNION XXXX ; XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX, XX/XX/XXXX Filed ( XXXX XXXX. XXXX ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
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. (VA)

I consistently make timely payments, of which I am certain. However, I am unsure why this company reports me as late in certain months, which should not happen. As per USC 1666b, any billing errors must be rectified, or they will be liable to pay me {$1000.00} for each account inaccurately reported.
Consumer complaint received 2024-04-20
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)

As per FCRA 605B, it's required to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Several listed accounts are inaccurately reported. Compensation of {$1000.00} is owed for each erroneous entry on my credit file.
Consumer complaint received 2017-05-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I called trying to see why i owe so much because it hendering my life i am homeless with my kids and i asked can they send me original documents to prove a  XXXX  debt owed on to apartment they stated on one account of  XXXX  intrested occured and  XXXX  occurred on another never recieved notice of it being in collections found out by checking credit report then i asked to speak with a supervisor he was rude and proceeds to tell my i have a lawsuit againt me and i would be contacted i told them i havent recieved nothing via court got off the phone called back the next day requesting documents sayed they would send me nothing. Only if I request my debt in writing i then contacted BBB and filed a complaint they send me documents partial lease agreements and spreadsheet break down nothing showing I owe  XXXX  no original stated from property company i went to the court house to see if anything was filed against me nothing i called them back and ask them was the lawsuit still active a manger that has my case a woman stated that the lawsuit was dropped because i stop working never once did in tell them i wasnt working when i been had a gov job then i again told them that what was sent to me wasnt accurate and she stated but it in writing i asked her if payments where made can i get statements on my monthly payments she stated no they would n't knowledge nothing unless it 's paid in full and they dont and want give me a copy of what i send them
Consumer complaint received 2023-05-02
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: I.C. System, Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 18 U.S.0 1681 Section 604 A Section 2 : It also atatos a consumer reporting agenc can not furnish an account without my written instructions 15 U.S.C 16668 : A croditor may not treat a payment on a credit card account unde open-end consumer credit plan as late for any purpose Remove these late payment and update thie account immedialaly as you are in dies Violation of several laws under The Fair Credit Reporting Act,
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Hi i noticed on my credit report a few inquiries that i didnt authorize. 
XXXX XXXX XXXXXXXX - that was placed on my report XX/XX/XXXX XXXX. XXXX- that was place on my report XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX- That was placed on my report XX/XX/XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2017-05-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

Previously disputed this collection through CFPB and through the individual credit bureaus with no luck at getting this collection removed. The previous response from this creditor was that my complaint should n't have been sent to them. They are indeed the creditor showing on my credit report trying to collect debt that is not mine/owed.
Consumer complaint received 2023-12-22
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)

XX/XX/XXXX I submitted a complaint to the CFPB in regards to an account listed as XXXX  XXXX XXXX XXXX upon completion of this investigation XX/XX/XXXX it was determined that this account would be removed permanently due to Identity Theft. XX/XX/XXXX I submitted a dispute to TRANSUNION to remove the SAME account listed as XXXX XX/XX/XXXX the dispute had been completed and reflected as NOT CHANGED. This negligence accurately shows me that a complete comprehensive investigation had not been conducted on my behalf! 

The failure to further and fully investigate the matter is outrageous! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. 
A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations.

Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : *FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX XXXX Fine of {$1000.00}. 

*Defamation, financial injury- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX v. XXXX XXXX XXXX Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. 

* Defamation, willful injury - FCRA Section XXXX XXXX XXXX TRANSUNION CORPORATION ; XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX, XX/XX/XXXX Filed ( XXXX XXXX. XXXX ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.
Consumer complaint received 2024-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I have requested a copy of contract with my signature from XXXX XXXX # XXXX, is been 40 days and not response. 
XXXX send me a letter with wrong last name, and is reporting XXXX XXXX in my credit report with false information, the creditor closed the account and kept adding extra fees after the account was closed, violated my rights. XXXX is not in compliance with the laws, XXXX sent me a letter staying they need more time, after 40 days of the requesting to delete the false information from my credit report the company XXXX XXXX partial acct # XXXX, had closed the account and charge month of exceed of fees, after the closed the account they are not in compliance with the law.
Consumer complaint received 2023-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

On XX/XX/2023, I purchased a garage door opener from XXXX XXXX for the amount of {$210.00} ( tax included ) using my Discover credit card. The XXXX XXXX also charged an installation fee of {$140.00}. The garage door opener was defective and returned to XXXX XXXX on XX/XX/2023. They promptly refunded my credit card in the store. And I have a receipt to prove it! However, the Discover Credit Card company not only charging me the {$210.00} for the product, but also charging me for {$140.00} installation fee! According to Discover I owe them {$340.00}! I have called and wrote to the Discover repeatedly, explaining that the garage door opener was returned to the merchant. And, that the garage door opener was never installed. And there should be no charges for the installation, since the product was returned in the first place. Apparently, none of my reasoning is working on the Discover Credit card company. They are adamantly charging me for a product that was returned and refunded.
Consumer complaint received 2023-12-22
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to take prompt action to enforce the relevant legal provisions and rectify the injustices I have endured. The violations I am reporting involve inaccurate personal information, and questionable account details on my credit report. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and related regulations. The following are the specific violations I have identified : Inaccurate Personal Information : Violation : Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, creditors are required to report accurate and up-to-date information. The incorrect addresses listed on my credit report violate this provision. I provided the correct address and my social security number to this reporting agency and they continue to knowingly put inaccurate addresses that I have never resided at. I sent a photo copy of my Drivers license that has my only residence. I do not get any legal mail or correspondence from any address other than my home : XXXX XXXX XXXX XXXX XXXX Texas XXXX. I also sent a photo copy of my social security card. I have ask them numerous times to remove the inaccurate addresses. I provided my drivers license and social security card as they requested with my address and only address that I want on my report. I also contacted creditors who provided inaccurate information to the reporting agencies and received deletion and removal of account assurance. I was told that they would request to remove and delete accounts to the all reporting agencies. This reporting agency is still reporting inaccurate information on my credit report. I have requested as well as some of the creditors to have accounts removed. Apparently they have not been remove as requested. My rights are being violated and by consumer laws Im requesting relief immediately.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2022, I received a promotional offer from Chase offering {$600.00} if I opened a checking account and arranged a direct deposit of at least {$500.00}, and also opened a savings account at the same time depositing {$15000.00} in that savings account, and maintaining that balance for at least 90 days. On XX/XX/2022, I opened both a checking and a savings account with Chase, and deposited {$15000.00} in that savings account. On that same day I also directed my monthly Social Security benefit of more than {$500.00} to be directly deposited into my newly opened checking account at Chase. The Chase employee who assisted me in opening both said accounts confirmed that I had 90 days to set up a direct deposit into my checking account. A couple of months later I found out that Social Security was unable to follow my instruction to directly deposit my monthly benefit into my new Chase checking account because Chase had closed my new checking account 2 months after it was opened. 
In spite of following all the requirements that Chase listed on their promotional offer, and due to Chase 's own action of closing my new checking account before the direct deposit was completed, thus preventing this transaction from occurring, I have not received the promotional offer of {$600.00}.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I'm a victim of Identity theft. I have fraudulent inquiries on my credit report : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please see my identity theft report and documents in the attachments.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my credit report and noticed that Transunion is reporting an incorrect late payment on my credit file. I have attached proof that this account is reporting incorrectly, and I am requesting that this late payment be removed and updated to PAID/NEVER late
Consumer complaint received 2023-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with Fair Crediting Reports Act XXXX XXXX account ending in XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Also 15 U.S.C 1681section 2 it also states a company reporting agency can not furnish a account without my written instruction.

15 U.S.C. 166B A creditor may not treat a payment under an open end consumer credit plan a late for any reason.
Consumer complaint received 2024-04-20
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)

I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, 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 these accounts. 

These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are NOT complete and accurate. 

The original balance is inaccurate and conflicting The last payments are inaccurate and conflicting The date closed is inaccurate and wrong. 
The dates of the monthly payments reported are inaccurate and conflicting.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2024-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-22
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. (IL)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Kindly see the attached documents. I urge the bureau to start an investigation into these accounts, as I am never late, despite them being reported inaccurately.
Consumer complaint received 2024-04-20
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. (MI)

I recently summited on XX/XX/2024 you responded on XX/XX/2024 I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX # XXXX ) In accordance with the FAIR CREDIT REPORTING ACT law 91-505, Title VI, Section 611, Subsection A-D, Please send me an update copy of my credit report after your re-investigation
Consumer complaint received 2023-12-22
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. (MD)

According to Family Educational Rights and Privacy ( FERPA ), is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) This law protects my public, or private elementary, secondary, or post-secondary school education records from being reported at all.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PA)

On XX/XX/XXXX I applied for the Discover credit card. On XX/XX/XXXX, Discover sent me a letter stating they were unable to approve my request due to an extended fraud alert on my consumer report. I called them to verify my identity and they told me I would need to take care of the fraud alert and then call back. I took care of it and called back. I was told by a customer service rep that I would have to reapply again. I asked would that result in another hard inquiry. She said yes. I told her that didn't sound right but that I would reapply. When I reapplied, I was denied again and this time the reason was there was an application already in progress or was recently processed. I sent an adverse action letter to Discover two times and never heard back from them. They will probably say that too much time has lapsed since the application was made but that is not on me. I did my due diligence in writing them to rectify the matter and they never responded.