davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have a 1 inaccurate missed payment that's Reporting on my credit. PLEASE properly investigate this missed payment and remove it from my credit report XXXX XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (TN)

I applied on XX/XX/2020 for unemployment and choosed the debit card as the way I wanted to get paid ... .. I have been calling XXXX and since there is nothing to choose from as in not getting a card the only option I have was lost stolen or I cant do that for the simple fact of no PIN number ... .. I have called XXXX and there is the option of not receiving a card but I have called every day and wait four - five hours and still no one answers. Understand that there is probably a bunch but man o have been sleeping outside under a restaurant porch being harassed by the cops and its not easy trying to find WiFi and sit for hours on someones property that the cops dont allow you to go on ... .. I have 4 unemployment payments that is 4 weeks of unemployment money that can get me a motel room and find a house to move in .... I can actually eat a hot meal instead of bags of potatoe chips .... it has been freezing cold and rainy every night ... .. then Im told by one of my co workers that if the money hasnt been touched in a month all my money goes back .... like this is so unfair ...., I dont have a address so my place of employment has me sending my mail there and no mail ... .. I have begged complete strangers for rides to post offices to be told there is nothing there for me, ... .. like I dont know what to do something has got to give my life depends on this card cause now there is no sleeping outside allowed ... .. Im in a motel room right now for three days can I get my card overnighted to where I am at take the money off the card there is over 2 grand on it ... .. like Im begging someone to help I have sent three emails to XXXX and nothing I am right now have been on hold for 5 hours on this XXXX and Im about to just give up yall are my only hope.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In XXXX I put a credit freeze on all three credit reporting agencies. About a year ago, when attempting to unfreeze my Transunion credit temporarily, it had a status of 'UNKNOWN ' listed online. This status has remained each time I logged in over the past year so I finally called on XX/XX/XXXX to find out what was going on. It turns out someone else was able to change the name associated with my credit to his name. As such, Transunion placed a security watch on my account and left it as 'UNKNOWN ' ever since. Several things are wrong here : 1. The controls Transunion has in place failed and someone was able to change my name to his. Shouldn't there be a hard stop in the system to prevent this without manual updates from a Transunion rep using support documents to allow this change? 
2. I was NEVER notified of this fraud occurrence. This is another control failure. Shouldn't the impacted consumer be notified? 
3. When I spoke to the agent last week, I was informed that XXXX XXXX : XXXX was opened and a representative would call within 24 hours and that should have been on Monday XX/XX/XXXX. That call never came. Instead, 4 business days later, I received an email to call Transunion. I attempted to call THREE times and each time a text came through to ask a question and the call would disconnect. 
4. I was told during my call on XX/XX/XXXX the 'UNKNOWN ' status would be rectified. I just checked this morning and it still remains.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$51000.00} Status Voluntarily surrendered. {$4700.00} past due as of XX/XX/XXXX. 
Original Lease amount {$36000.00} The account was closed and was removed in XX/XX/XXXX, and reappeared in XX/XX/XXXX with inaccurate amounts owed. 

Company is in violation of in violation of the following codes ; US Code Title 15, 15 USC 1681a ( k ) ( 1 ), U.S. Code Title 15, Chapter 41, Subchapter III, U.S. Code 1692d - Harassment or abuse, U.S. Code Title 15, Chapter 41, Subchapter III. 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting and 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ).
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I recently disputed a collection on my credit report for a balance that has already been satisfied. claim was pd By Landlord Mitigation Administration in the State of Washington. I have attached information from office stating claim was pd along with phone number and claim number. 

Please see below : Debt collector : XXXX XXXX XXXX Claim # XXXX Amount : {$950.00}
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I am XXXX and regularly order from a food company, XXXX XXXX. Because I order daily, their drivers make excessive mistake. I filed claims with Wells Fargo claims department. They incorrectly charged my account back for XXXX XXXX errors. 

Then they charged me a XXXX $ overdraft fee! Then they told me my account was being closed for " excessive claims ''. These are unfair & illegal practices. Especially of withdrawal for overdraft fees per government regulations. 

Thank you for your attention and assistance with this matter.
Consumer complaint received 2024-03-18
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. ()

I sent a letter to XXXX to opt out of all reporting after my initial acceptance for XXXX to report. In XXXX, a letter was sent to the company indicating to opt out from any and all authorizations, and I the consumer, have given you, written, unwritten, verbal and nonverbal, verbal per 15USC1602. My request for Opting out was on XXXX complaint and XXXX is ignoring my request and violating the law. 

After I sent the opt out request to the company,. The company is still reporting to the credit companies and affiliates without my consent. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' On that complaint, the company is denying me from Opting out " Company 's Response XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX RE : XXXX card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX : We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. According to our records, we responded in writing to both you and the CFPB on XX/XX/2024, regarding your case number XXXX. In that response, we advised that we have confirmed we are accurately reporting your account history and status to the credit reporting agencies. As such, we are unable to honor your request to remove your above referenced account from your credit files as it is a factual representation of what occurred, and we are obligated to report true and accurate information to the credit reporting agencies. I have enclosed a copy of our prior response for your records. Please be assured that this matter has been given our full attention and a thorough investigation into your concerns has been completed. Please understand that since we have addressed your concerns and until any new information is provided, further communication regarding this matter may not be acknowledged or receive a response. Should you have any questions or concerns, please feel free to contact me at XXXX. I am typically available XXXX XXXX XXXX XXXX  ( ET ). Sincerely, XXXX Executive Office of Customer Advocacy Enclosure CC : CFPB
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (TX)

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 2021-03-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted my dispute letters to TransUnion over 30 days ago. This credit reporting agency has failed to respond which is a violation of the fair debt collection practices act. I also did not give this company my written consent to furnish these negative accounts on my credit profile. This a violation and I am entitled to {$1000.00} per violation.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX XXXXXXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
XXXX. This late payment status is irrelevant XXXX Account XXXX : XXXX Please update or correct this account immediately XXXX. This late payment status is irrelevant XXXX XXXX Account XXXX : XXXX This account is fully satisfied and closed. Please delete from my credit report immediately XXXX. This late payment status is irrelevant XXXX Account XXXX : XXXX This account is fully satisfied and closed. Please delete from my credit report immediately XXXX. This late payment status is irrelevant XXXX XXXX XXXX Account Number : XXXX Please update or correct this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications from the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S.

Code 1666 ( b ) billing error -The creditor 's mistake in not accurately showing a payment or credit that the consumer made on their account statement.

-A billing error under the Fair Credit Billing Act ( FCRA ) that is caused by a creditor 's computational or accounting mistake. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide consumers with at least 21 days ' notice before reporting a late payment. Since I did not receive this notice, I am demanding to see hard evidence from the creditor 's bank account that I did not make the required payment and that the late payment was in error. 
I request that the following items on my credit report be updated to reflect that they were paid as agreed. 
1. This late payment status is irrelevant XXXX XXXX XXXX XXXX XXXX XXXX This account is fully satisfied. Please update this account immediately 2. This late payment status is irrelevant XXXX XXXX XXXX XXXX XXXX XXXX  The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately 3. This late payment status is irrelevant XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurate. Please update this account immediately PLEASE SEE THE PROOF ATTACHED TO THIS LETTER Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts on this letter updated immediately. If you do not comply, I will file a lawsuit in small claims court in my city and state seeking monetary damages for your violation of my rights. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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: 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 XXXX. XXXX XXXX XXXX XXXX.., has violated my rights. 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, 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. (NC)

XXXX XXXX banking - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please delete from my credit report immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX Account Number : XXXX Please delete from my credit report immediately Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington , D.C 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Please see the attached file.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (NJ)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

My information has been included in both the Equifax data breach and XXXX 's. In the midst of this, my information was stolen and has apparently been used in many attempts by someone trying to open an accounts.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (NC)

On  XXXX   XXXX   2017 ,  Checkr reported to  XXXX  about my background check. This included  XXXX  violations which was dismissed by a Judge last  year in  XXXX  NC. I sent emails to Checkr and  XXXX  explaining the incomplete report but in vain. NC state uses point system to convict offenders and I have  XXXX  points on my driver license. Please help to fix this confusion because I 'm a  XXXX   XXXX  and driving  XXXX  helps to support my family financial needs. Thanks