davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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. (NV)

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 should show never late, has MO child support XXXX, MO child support XXXX, XXXX  XXXX, Child Support Enfmnt XXXX 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 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
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (OH)

I Have no knowledge of this account, XXXX XXXX, ACCT # XXXX, ACCT # XXXX, and ACCT # XXXX but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-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.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I pay {$700.00} to my USAA visa credit card on XX/XX/XXXX, and it is not reflecting on my credit score. They said every thirty days they report to the credit bureau but I still do not see it reflecting on my score its been over 30 days. The VA has given me an opportunity to get a house loan but wanted me to take care of this card to lower my balance on this card and my XXXX card, I did and I score dropped XXXX points. since XX/XX/XXXX 87 % of the time I have been paying regularly money coming from my account but my score never reflects. I am at a lost I do not know what to do. PLEASE HELP ME, I am trying to understand all this credit issues thank you, consumers struggle to make ends meet but we continue to drown because we do not understand the system.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG HOLDINGS INC (GA)

Tempoe LLC is a company that filed bankruptcy. In their Bankruptcy, debtors were included. The company also received a Bailout through their Insurance company. Tempoe LLC has already received compensation for their debtors. Tempoe LLC knowingly, then sold this non collectible debt to XXXX XXXX XXXX XXXX which has been placed this on my credit report. 
XXXX also shared/sold my information without my consent to Tempoe LLC . I Do Not have an account or valid contract with Tempoe LLC or XXXX XXXX XXXX. No money is owed to either company. Please have them remove this from my credit report.
Consumer complaint received 2022-11-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/2023 XXXX, I received the notification about an unrecognized transaction in the amount of {$1300.00} by Apple Store online and will be pick up in the store. At XXXX, I reached out to the Goldman Sachs Apple card support team and told them about this. The specialist put on dispute for me and replaced my card. That's all they did. Few days later, the purchased item, which was an XXXX XXXX XXXX XXXX deep purple XXXX was picked up by someone ( using my identity ). 

After two months ( XX/XX/2023 ), I received an email saying that the disputed transaction was rebilled and sent me a report saying that the purchase information was by me ( my name, address, and billing address ). The person used guest checkout, and I didn't even realize what item was purchased until I saw the report. Of course it would show MY INFORMATION because this person stole my personal information and impersonated me. I tried to dispute again and hoping that they would do further investigation on it to prove that I didn't make the purchase, but they didn't and the bill came again after two months ( XX/XX/2023 ). They could of checked the store surveillance camera to see who really picked up the item or even see who is using that phone, which can definitely prove that it WAS NOT ME. Now they are saying that " it's been awhile and there's nothing much we can do. ", which is basically telling me that " we can't do anything, you have to take the responsibility on your own, and we don't care about you paying for something that YOU DID NOT PURCHASED. '' No other banks do that. 

If the Goldman Sachs support team did something to put " on hold '' to that transaction or notify the Apple employees about the transaction when I first reported that unrecognized purchase, so that they could be more cautious about checking IDs before giving the items out, nothing like this would of happened. I know that they just don't want to do the job. They just give you a solution by the report they see and gives all the stress to you. It's very unfair to me, and it's very disappointing for a loyal Apple user who has been using Apple products for over 10 years. I've NEVER had such hard time and difficulty on disputing before ....
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (LA)

On my XXXX credit reporton ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I had four accounts with Union Bank, which as of a week or so ago was absorbed by US Bank. US Bank appears to have successfully transitioned my two personal checking accounts. But something went wrong with my business checking and business savings accounts. While I can deposit money into and write checks on at least the business checking account, US Bank is telling me that I can not access the business checking account via US Bank 's website because of some problem during the transition. ( There may be a similar problem with my business savings account. ) Then they said I'd need to go to a US Bank branch to resolve the issue. Except the US Bank branch nearest me ( which used to be a Union Bank branch ) has no availability in XXXX or XXXX, according to US Bank 's website. When I asked for a supervisor, I was routed to a voicemail.
Consumer complaint received 2017-05-05
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. (AZ)

There are fraudulent inquiries appeared on my report without my permission  1.    XXXX    XXXX     XXXX    2 .   XXXX   XXXX    XX/XX/XXXX   3.    XXXX   XXXX   XXXX     XX/XX/XXXX   4.   XXXX   XX/XX/XXXX   5.    XXXX   XXXX   XXXX    XX/XX/XXXX   6.   XXXX   XXXX   XXXX  XX/XX/XXXX
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (OH)

I have provided documentation to XXXX XXXX XXXX and to the three credit bureaus regarding the inaccurate information contained on my credit file. I have disputed the credit information numerous times as well as calling XXXX XXXX XXXX several times- all to no avail. Even with documentation showing the information listed on my credit report is incorrect, the information remains uncorrected. 

Again, Im disputing the following inaccurate information listed on my credit report. Below are the facts and documentation to support why my credit file should be corrected. 
XXXX XXXX XXXX I. Explanation. 
XX/XX/XXXX, I filed XXXX XXXXXXXX XXXX, case # XXXX. 
The plan was confirmed on XX/XX/XXXX. 
I completed the case on XX/XX/XXXX. 
All checks distributed by the trustee cleared the bank See Attached Documentation. 
XXXX XXXX XXXX was approved and was classified as a Secured creditor. They claimed {$22000.00}, which was allowed, and they also received XXXX in interest payments. The total amount paid to XXXX XXXX XXXX was {XXXX. See Attached Documentation. 
I completed all required payments to XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX separately mailed XXXX letters. The first letter stated that there were no liens or encumbrances on the vehicle, and I was able to obtain my car title from the XXXX  XXXX. See Attached Documentation. 
I obtained a clear title from the XXXX  XXXX on XX/XX/XXXX. Title Attached On my credit report, XXXX XXXX XXXX list that the original balance on the car was XXXX and as of XX/XX/XXXX, the company charged off {XXXX} and written off {XXXX past due. 
This information is not accurate based on the courts documentation. 
According to the XXXX XXXXXXXX Standing Trustees Final Report and Account, I paid {$22000.00} and XXXX in interest for a total of {XXXX}. See Attached Documentation As of XX/XX/XXXX, XXXX XXXXXXXX Financing now states I owe XXXX 

II. Update/correct/remove Information.

I request that the current information contained on my credit file be updated/removed/corrected based on the documentation that I have included. 
My credit record should reflect that I paid a total of {XXXX} through the XXXX XXXX XXXX  XXXX plan. 
XXXX. Copy of the Portion of my Credit Report in Question Copy of the XXXX XXXXXXXX XXXX  page from my credit report. 
The XXXX  XXXX Standing Trustees Final Report and Account ; what XXXX  XXXXXXXX XXXX claimed and was paid.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity theft. I contacted the Federal Trade Commission andIi learned that the best way to recover is to file an identity theft affidavit and a police report. I did this well ovr 60 days ago. Transunion slowed around for over 60 days in violation of the FCRA laws. They did not remove the bankruptcies and they stated that they verified them. When in fact, I have documentation from the bankruptcy court stating that they did not verify this information. I sent the letters to Transunion and they lied like they never received the documents. When after a long time I finally got a supervisor on the phone, they admitted they had the documents. I filed a complaint with the consumer proctection bureau after a 70 day wait and they asked for 60 MORE days. Please help as they are clearly flagrantly violating the FCRA laws. Please help me to get this matter resolved. 
I
Consumer complaint received 2024-03-29
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. (NJ)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NC)

This is an ongoing frustrating situation where your company COI keeps falsifying information that I am not aware of m. You state, XXXX XXXX. : R- XXXX XXXX Account XXXX. : XXXX On XX/XX/2021, you made a payment in the amount of {$540.00} with the agreement that this would resolve the account balance in our office. 
In response to your complaint, your account remains closed in our office as resolved. If you have any further inquiries regarding this matter, you may contact XXXX directly. In addition, please be advised that COI have contacted the credit bureaus, with which we do business, with our request to update our listing of the above account on your credit profile as paid less than the balance owed. COI can not affect a change to how the creditor or any other company may have listed the account on your credit profile. 
Enclosed please find a copy of an account payment history with our office for the above account. Should there be a discrepancy, kindly contact us. 

Currently I have multiple accounts with XXXX  and personal and business accounts receiving cellphone services and there is no record of what you keep reporting on my credit report. 

I have asked you to verify this information of three times within the past 1 year with all written and signed initial contracts and you failed to present them. I am requesting you remove this impediment from my consumer credit report and cease from contacting me about this issue.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (KY)

" I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Consumer complaint received 2024-03-29
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. (PA)

According to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Can you verify the documents, please? Some of the listed accounts are inaccurately reported.
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (OH)

I Have no knowledge of this account, XXXX XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-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.
Consumer complaint received 2023-06-01
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. (DE)

On XX/XX/23 I filed a CFPB complaint ( Complaint ID XXXX ) for a fraudulent collection account that was placed on my consumer reports. On XX/XX/23 the company, IC Systems responded and stated that they were sending the account back to the company and removing it from my reports. The account was removed and has subsequently been re-reported as of XX/XX/23. Furthermore, IC Systems has inflated the balance due on the account, the alleged debt is {$5.00}, IC Systems has added a {$530.00} fee to this debt in order for it to report and intentionally damage my credit as debt under {$100.00} do not affect your XXXX score. It was initially reported as {$520.00} so they have increased it even further. IC systems should be held liable for willful negligence in re-reporting a fraudulent account that they were given a police report for, for harassment and abusive collection practices. I am requesting statutory damages in the amount of {XXXX ( 15 U.S. Code 1692k ) and a deletion from all consumer reports the account was reported to. If this is not remedied ( deletion and financial damages ) within 15 days of this complaint, I will be filing suit in Delaware 's XXXX XXXX. 


Please see the attached letter and pictures of IC Systems confirmation of deletion as well as the pictures of the account re-reporting.