davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 a reasonable cause to believe that the information is inaccurate.

These inaccuracies are causing me hardship to get a new car for my family.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

Earlier this month ( XXXX ) I had to dispute XXXX transactions. Was told canceling the card was the only way so i did that. got the new card and less than a week later XXXX NEW XXXX transactions occured. I do not own an XXXX nor have an XXXX  account. The bank took it upon themselves to file the dispute. cancel my NEW card and reissue another NEW card. Now I have to wait. Can not pay my phone bill ( lack of funds ) nor buy gas and groceries until payday. after i told them NOT to cancel my card. They took it upon themselves to do this AGAINST my wishes. I will do more research on this but it is clearly a violation of something out there. Going through my statements there is a XXXX time charge over a month PRIOR to thse fradulant charges from XXXX. this is nervewracking and is very much theft. and they are complacent in this act of theft amongst numerous other things.
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: CBC Companies, Inc. (CA)

My complaint centers on Innovis, reported inaccurate and private information, which has adversely affected my consumer report. Your actions have caused profound personal and emotional harm to both my family and me, resulting in a distressing situation that has left us severely affected. They are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.

1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-09-23
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: EQUIFAX, INC. (IL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 Balance : {$2100.00} 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 2023-09-23
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. (IL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 Balance : {$2100.00} 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 2023-09-23
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: EQUIFAX, INC. (TX)

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 Balance : {$12000.00} XXXX XXXX Balance : {$6400.00}
Consumer complaint received 2023-09-23
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: Experian Information Solutions Inc. (TX)

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 Balance : {$12000.00} XXXX XXXX Balance : {$6400.00}
Consumer complaint received 2023-09-23
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00}
Consumer complaint received 2023-09-23
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: Upstart Holdings, Inc. (MI)

on XX/XX/2023 XXXX/UPSTART NETWORK XXXX INC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX gained unathorized access to credit report during this process my credit declined as well my creditworthiness. A violation of 15usc1681
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. (NY)

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 2024-06-19
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. (MT)

I am writing to demand the immediate removal of fraudulent information from my credit report. I have been a victim of identity theft, and unauthorized account has been made in my name. This is a serious violation, and I insist that you take swift action to rectify this situation. This account was opened without my knowledge or consent, and they are damaging my creditworthiness. I have attached copies of my police report, FTC Identity Theft Report, and any other relevant documentation that support my claim. 

This entry on my credit report are fraudulent and must be removed immediately : XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

I am writing to urgently report an ongoing issue with Equifax that is severely impacting my financial well-being. In reference to CFPB complaint # XXXX, filed on XX/XX/, Equifax stated XXXX XX/XX/, that certain items had been deleted from my credit file. However, this inaccurate information persists on my credit report, contrary to their claims. 

" Inquiry : XXXX XXXX XXXX XXXX- THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. 
Inquiry : XXXX - THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. '' " Inquiry : XXXX XXXX XXXX XXXX- THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. 
Inquiry : XXXX - THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. '' This refusal to remove the information directly violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i : Equifax is mandated to correct or delete inaccurate information within 30 days of investigation. 
15 U.S.C. 1681s-2 : They must maintain procedures ensuring the maximum accuracy of consumer reports. 

The impact of this persistent inaccuracy on my credit report is substantial and threatens my creditworthiness. Equifax 's lack of accountability is unacceptable and undermines the integrity of credit reporting. 

I implore your immediate intervention to ensure Equifax 's compliance with the FCRA and the removal of the inaccurate information. This situation jeopardizes my financial stability, and prompt resolution is imperative. 

Your swift attention to this matter is greatly appreciated.
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (GA)

On XXXX XXXX, 2017, I was contacted through email by XXXX XXXX at True Accord. Her email was XXXXXXXXXXXX. XXXX contacted me through email regarding a debt with XXXX. I writing this complaint due to my concern of the amount due and contact practices. I thought it was odd I was only contacted through email. My second issue is the balance. The initial balance True Accord is reporting is {$920.00}. This amount is different from what is showing on my credit report. I ask that CFPB investigate the validity of this debt and company. I do n't want to pay a company that is not legit. 

Information received from email : True Accord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-12-22
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. (FL)

I've noticed on my consumer report that there are fraudulent INQUIRIES that arose from IDENTITY THEFT that did not meet the identity verification required by law on my consumer report. 
The Following Inquiries are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX Bank XXXX XXXX XX/XX/2023 TransUnion
Consumer complaint received 2024-04-21
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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-10-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (TX)

Called trying to get options to help on my mortage payments, was told they couldnt do anything about it because ive already received help and that they would not help me even asked to talk to a manager/supervisor and was told for what if they were going to tell me the same thing.
Consumer complaint received 2023-09-23
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX  XXXX Balance : {$0.00} ; XXXX-XXXX XXXX XXXX Balance : {$12000.00} XXXX
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2023 I attempted to transfer {$10000.00} from my bank account with Citizens Bank to an account I have with XXXX XXXX XXXX XXXX XXXX. I went through the process of verifying my AAFCU account with Citizens Bank, but my transfer was flagged as possible fraud, the transfer cancelled and my account frozen. After multiple attempts to get it unfrozen, I was able to clear the matter up with a Citizens representative over the phone on XX/XX/. I was told to initiate another transfer, and that there would be no issues on the next one. I proceeded to initiate another transfer of the same {$10000.00}. After several days of it not appearing in my XXXX  account, I contacted Citizens Bank again regarding the transfer. I went into a local branch and dealt directly with a representative. He called the banks transfer department and was told over the phone that Citizens had definitely transferred the money and that XXXX must be holding it. I contacted XXXX and they said they had no record whatsoever of any transfer for any amount from Citizens Bank. Today I spent over an hour on hold to finally speak to someone at Citizens, who finally admitted that some mistakes were made but still made the claim that Citizens had attempted to send the {$10000.00} to XXXX, but that my credit union didn't verify that the account belonged to me so they wouldn't allow the credit union to accept the funds. The representative claimed that once they put a hold on the {$10000.00} until XXXX verified I owned the account I was sending money into, even though I had verified it before I was even allowed to attempt to transfer money. Then something timed out and they froze my account so they were " unable '' to return my money. They said that they're going to try returning the money now, but it's going to take several days to appear back into my account and there is nothing they can do about it. This seems insane, since they never actually sent and money in the first place. They've been holding {$10000.00} of my money and have not allowed me access to it for almost 3 weeks.
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. (FL)

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 2024-04-21
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)

My information was disclosed to a third party without my permissible purpose!

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2023-09-23
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. (MO)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, 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. (MD)

I have an account on my credit report that is not mine I asked them to send me verification and they sent out a billing statement nothing more .... I disputed it again with the credit bureau and they said they verified the account but how when they only sent me a billing statement I keep disputing this and filling complaints over and over and over and over it is not my account the people who put it on there repeadly say they can not speak to me about this account .. . .I e ven got it deleted in  XXXX  and they put the account back on my account and changed the amount owed just to place it back and even changed the name