davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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. (AL)

Complaint against XXXX, TransUnion, XXXX, and XXXX  XXXX for non-compliance with the Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against XXXX, TransUnion, XXXX, and XXXX  XXXX for their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) concerning the investigation and resolution of a disputed late payment on my XXXX  XXXX credit card account. The singular late payment in question is reported for the month of XX/XX/XXXX on XXXX and XX/XX/XXXX on Transunion and XXXX. As a result, it has been viewed as two 30-day late payments by creditors that have turned me down for service. As a result of my information being hacked, I had limited access to my account for the month of XXXX and XXXX due to unauthorized access through an internal cyber attack by an XXXX software Engineer " XXXX XXXX '' that was found guilty in XX/XX/XXXX for the commission of a cyber attack against XXXX  XXXX and other banks utilizing XXXX 's data centers Between XXXX and XXXX of XXXX, I submitted a dispute to all three credit bureaus and XXXX  XXXX regarding the inaccurate late payment, informing them of the cyber attack that affected my account, and that they reflect different dates on each report. Under the FCRA, 15 U.S.C. 1681i ( a ), the credit bureaus are required to complete their investigation and provide a resolution within 30 days of receiving the dispute. However, it has been more than 30 days since I filed the dispute, and none of the credit bureaus have provided me with any information, or a resolution of the matter. 

As per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau fails to complete the investigation within the stipulated 30-day period, they are required to promptly delete the disputed information from the consumer 's credit report. In light of their non-compliance with the law, I request the immediate removal of the inaccurate late payment from XXXX XXXX from my credit reports, as it is adversely affecting my credit score and causing me financial harm. 

I have already tried to resolve this issue directly with XXXX, TransUnion, XXXX, and XXXX XXXX but they have not taken the necessary steps to rectify the situation. As such, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that the credit bureaus adhere to the FCRA and remove the inaccurate information from my credit report as soon as possible. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. If you require any further information or clarification, please do not hesitate to contact me via phone at XXXX or email at XXXX. 

Link to the XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely,
Consumer complaint received 2023-09-13
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)

I am writing to dispute the accuracy of the information on my credit report as provided by your credit bureau. Specifically, I am concerned about the presence of collections accounts and unauthorized hard inquiries that are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ) Section 1681, I have the right to ensure the accuracy of my credit report, and I am seeking your assistance in rectifying these errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORGINAL CREDITOR XXXX I have also noticed unauthorized hard inquiries on my credit report, which can negatively impact my credit score. I have not authorized any organization or individual to access my credit report for the following inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-09-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (IL)

In XX/XX/2023, Amsher reported to Cfpb that they would be removing all tradelines from my credit report. As of XX/XX/, Amsher has failed to do so. I respectfully request intevention by Cfpb, Please refer to Amsher 's responding statement to Cfpb : " AmSher will request the account be removed from her credit reports. Be advised, this in no way suggests that XXXX considers the account to be invalid or inaccurate. Please allow up to sixty ( 60 ) days for each of the credit bureaus to update. Thank you for allowing AmSher an opportunity to address the consumers concern ''
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (OH)

XX/XX/XXXX I had {$380.00} dollars on my card I made a purchase at XXXX that night for {$26.00} woke up the next morning to {$33.00} in my XXXX XXXX account. I had just recently received several deposits and I know I didnt spend anything so I immediately checked my transaction history and pending transactions and it was nothing there besides my purchase at XXXX XXXX So I reached out to support via the app and explained my situation I was told someone would reach out via email that was 6 days ago and I have yet to speak with anyone in regards to where my money went! I have messaged them via app everyday and also called the XXXX number and they keep telling me the same thing that I have to wait to receive an email that I have yet to receive when I should not have to wait to find out what happened with my money!!!!!
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Will not live freeze off my credit report. Ive made several complaints to no avail. Anywhere I apply for credit. Im getting an error message saying that my credit report is frozen. TransUnion refuses to look into the issue that it may be aWill not live freeze off my credit report. Ive made several complaints to no avail. Anywhere I apply for credit. Im getting a error message saying that my credit report is frozen. TransUnion refuses to look into the issue that it may be a technical one that I nor customer service Can take care of
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I been a victim of identity/fraud theft. I am buying a house and my mortgage broker advised my not to have any accounts remained or are in dispute. This been on my credit report started in XX/XX/XXXX  for XXXX according to FCRA sec 623 enforce FACTA 312 if unable to perform a reasonable investigation then this info is required to be removed as well as 15 usc 1692 g validation of debt. This account is been over 120 old and its just been verified and updated to keep the statue of limitations ongoing. I would like this removed immediately off of my credit reports
Consumer complaint received 2023-04-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Exeter Finance, LLC. (FL)

The statute of limitations for debt in Florida is five years. A creditor has five years to sue you for the money you owe. Most debts are based on written agreements and the statute of limitations period for contract actions is five years. This particular company has been harassing me for a car that was given back to them and also its been more than 5 years. I need the company Exeter Finance LLC to follow the accounting principles of the GAAP.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Birchwood Credit Services, Inc. (GA)

I am filling this complaint to BIRCHWOOD for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2023-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (RI)

We noticed in XX/XX/XXXX, that our XXXX account got charged the wrong amount. We contacted our Mortgage Company, Lakeview Loan Servicing/XXXX XXXX XXXX XXXX right away via their website and they never responded. We ended up calling on XXXX, XXXX XXXX, via customer phone service and the customer service representative we spoke to promised us that this mistake will get fixed ASAP, but nothing got done. 


We did go to the City to make sure both our lot and house taxes got paid on time with the correct amount. They confirmed that they got the right amount for each lot. A one time payment of {$97.00} for the lot XXXX. And 4 times {$710.00} on the lot XXXX. 

Lakeview Loan ServicingXXXX XXXX XXXX took out of our escrow, XXXX payments of {$97.00} for the lot XXXX. In which the city only got a XXXX time payment of {$97.00}. Lakeview Loan ServicingXXXX XXXX XXXX also took one extra payment of {$710.00} on the same lot XXXX. Lakeview Loan ServicingXXXX XXXX XXXX took out of our escrow, totalling {$910.00} which is unaccounted for. 

On XXXX, XXXX XXXX, we reveiced our yearly Escrow Analysis and we noticed the previous mistake was never fixed and of course our Escrow ended up being short because of it. We called Lakeview Loan ServicingXXXX XXXX XXXX again on XXXX, XXXX XXXX and the customer service agent was rude and not cooperating with us. After this incident we decided on XXXX, XXXX XXXX to send them a registered letter, Notice of Error, stating to the company what needs to be fixed and and as of today, XX/XX/XXXX, we reveiced no communication nor cooperation from Lakeview Loan ServicingXXXXXXXX XXXX XXXX and our mortage increased and nothing got resolved. We gave them the required amount of time, the 30 days, to respond back to us by law. 

We ask that you look into this matter so this escrow issue can be fixed ASAP. Also so we can find out where our {$910.00} went.
Consumer complaint received 2024-04-02
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)

update the following accounts on my credit report. according to the FCRA credit guidelines. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
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. (GA)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Dispute of Inaccurate Credit Information Pursuant to 15 U.S.C. 1681 and 1681i items on my credit report that I believe are inaccurate, incomplete, and not verifiable, as allowed by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 and 1681i. The following accounts are the subject of my dispute : XXXX XXXX  Account # XXXX has violated my rights XXXX  account # XXXX has violated my rights XXXX XXXX XXXX account # XXXX has violated my rights I am disputing these items on the grounds of violations of several sections of the FCRA, including but not limited to : 15 U.S.C. 1681 Section 602 ( a ) - Requirement of Accuracy. 
15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Permissible Purposes of Consumer Reports.15 U.S.C . 1681c ( a ) ( 5 ) - Information Not to Be Included in Consumer Reports. 15 U.S.C. 1681e-2 ( a ) ( 1 ) - Duties of Furnishers of Information to Consumer Reporting Agencies . 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) - Responsibilities of Furnishers of Information to Consumer Reporting Agencies .

15 U.S.C. 1681i ( 5 ) - Procedures for Disputed Information. I request that you investigate these disputed items and correct any inaccuracies, discrepancies, or incomplete information in accordance with the FCRA. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into the disputed information within 30 days of receiving this dispute letter. Please provide me with a written response detailing the results of your investigation, including any corrections made to my credit report. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report in accordance with the law. Failure to comply with the FCRA and address this dispute within the specified time frame may result in legal action. I trust that XXXX, EXPERIAN, XXXX will handle this matter promptly and in accordance with federal law.
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (GA)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (MI)

I believe my information is being used without my consent or might be part of a data breach the following items dont belong to me and I have never had any relationships with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I DO NO RECALL ANY OF THIS INFORMATION ON MY CREDIT REPORT : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX ( Original Creditor : 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 2023-09-13
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. (GA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

equifax XXXX and XXXX AND XXXX XXXX REFUSE TO ADJUST ANY OF MY CREDIT SCORES AND ARTIFICAILY, AND WITH MALICE, DROPPPED MY CREDIT SCORES AT XXXX EARLIER THIS YEAR AND ARE KEEPING THEM ARTIFICALLY LOW DESPITE OVER A YEAR OF ON TIME MORTGAGE PAYMENTS, XXXX  YEARS OF ON TIME CREDIT CARD PAYMENTS, AND NO OTHER LINES OF CREDIT OR PROBLEMS ON MY CREDIT REPORT!! MY SCORES ARE LOWER THAN THEY EVER HAVE BEEN DESPITE YEARS OF ONTIME PAYMENTS AND NO DEBT!! THIS IS XXXX, DISCRIMINATORY, AND DISCRIMNATES AGAINST XXXX VETERANS, XXXX PEOPLE, AND XXXX PEOPLE LIKE ME!! 
XXXX, AND THE XXXX CREDIT BUREAUS ARE DOING THIS INTENTIONALLY, LIE TO THE PUBLIC, DISGUISE THEIR SCORING MODELS, REFUSE TO CREDIT YEARS OF ON TIME PAYMENTS AND DESTROY PEOPLES LIVES!! INVESTIGATE AND PROSECUTE EQUIFAX, XXXX AND XXXX AND THE XXXX XXXX FOR THEIR FRAUD AND ABUSE OF THE CONSUMER!! STOP DAMAGING MY ABILITY TO PUT A ROOF OVER MY HEAD WITH YOUR ARTIFICALLY LOW XXXX DISCRIMINATORY CREDIT SCORING MODELS!! YOU DO NOT KNOW HOW MUCH INCOME I HAVE AND ARE ARTIFICALLY KEEPING MY CREDIT SCORE EXTREMELY LOW FOR NO REASON YOU DISCRIMINATORY EVIL CORPORTATIONS!!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am writing To delete the Information In my File. The Items I need Deleted are listed in the report. I am Victim Of identity Theft and did not Make The Charge. I Ask That the Items Be deleted To Correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed Of the Federal trade commissions identity theft Affidavit. please delete the items as soon as possible.
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OR)

this is what I was worried about this has happened to me countless times with these app that I'm supposedly supposed to put my trust in.!? never again! 
Cash App as well as XXXX XXXX app these two company 's have gone and helped their self to access my account and transfer money without any reason or a notification letting me know about it so I can have the opportunity to approve that the transfer was me or to deny the unauthorized transactions before the thief gets my money. leaving me to pick up the peices and go through loop holes just to come out on the other end more broke and in financial hardship. what's the straw that broke the camles back is I just got my brother to pay me back the {$100.00} he owed me so I was relieved to know I would be able to get diapers for my daughter and have gas to make it to and from work as well get some food to make it until payday. and just my luck that seems to be reoccurrin the second that I'm not looking at my phone I get a ring notification from Cash App all of a sudden money is taken from my account {$50.00} transfer to my XXXX XXXX  account that has been inactive for over a year I haven't used it maybe it's been 2 years now I'm not sure exactly I do know I did not make that transfer or authorize it. what hurts me the most you guys didn't even notify me to see if I was making the transaction at 12 at night like what normal citizen is doing Bank transfers that late. why wasn't I ask if I want to approve it? but instead you guys take the money and THEN I get a notification letting me know that {$50.00} was transfered I wasn't asked!!! nor aware that if I got money then you guys take it without hesitation or consideration of how it affects me as you customer with very little income especially being a single mom in this pandemic. I have had money taken multiple times and nothing get resolved. I'm not going to just be quiet about this anymore I need this to be resolved my money returned and it's be figured out to where you guys actually can say with dignity our money is safe and secure. also when this does come up and people 's lives no customer support agent is available until business hours but all the crooks steal at night time when everybody 's vulnerable so the second I do get a notification there's nobody I can call to get alerted on that to stop it from happening got to wait until the transactions already processed and complete and it's normal business hours.