davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I definitely disagree with the account listed below which still appears on my my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act, Public law91-506, Title VI section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2022-12-20
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. (IL)

XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-20
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. (IL)

XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-07-05
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

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  Account # 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 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 XXXX 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 2022-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

On Friday XX/XX/12 I transferred a total of {$31.00} from my bank to my Cash App account. I later attempted to cash out the funds to another of my debit cards for spending purposes. I began to get this cash out failed error over and over and this has been ongoing for the past 6 days. I made contact by phone and chat support to no avail. This morning I called again and was told my account was randomly frozen and they never bothered to contact me regarding this matter when they have my email, phone number and an internal mailbox where they can message me directly. I have been a longtime user of Cash App and Ive NEVER partaken in any fraudulent activity or had any fraud incidents, so I would expect at minimum a courtesy text or email that my account was frozen for safety. I dont feel like this was done with me in mind and this has been the worst experience so I will not be using this platform moving forward. After all this they are still refusing to make my funds available even after theyve been notified of my issue.
Consumer complaint received 2024-03-28
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX has file false information on my credit report that maybe do to identity theft this account is not mines I have never been here or used there services every by law this wrong to report inaccurate information on my credit
Consumer complaint received 2024-03-28
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. (AZ)

Department of EDU, account number XXXX 15 u.s.c. 1681section 602 A. States I have the right to privacy.

15 u.s.c. 1682 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 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 crime 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 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KLS Financial Services, Inc (NC)

Upon receiving the very first mailed invoice from KLS Financial Services, I requested verification of debt validity, as is my right under the FCRA. This information was provided by KLS Financial Services in a letter dated XX/XX/XXXX ( well beyond the 5 days allowed for response under FCRA ). Once the response had been received, the account was paid in full within 30 days of its issuance. Before waiting thirty days from their letter, KLS had already reported the debt as a collections account to two credit reporting agencies by XX/XX/XXXX ( 15 days after providing verification ). I have already worked to dispute and remove the accounts from these agencies. 
When reviewing the accounts for dispute, there was a comment added by KLS stating : " Completed investigation of FCRA dispute- consumer disagrees ''. The only response I provided them to their debt validation letter was a check in the full amount. Not only did they not wait the proper amount of time to find out if " consumer disagrees '', they felt comfortable falsifying that claim within the comments of their premature reporting.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I rented a car from XXXX at their Denver International Airport location on XX/XX/XXXX. I returned the car in perfect condition with a full tank of gas on XX/XX/XXXX at XXXX am. That location is not open at that time. I parked the car in the return section and placed the keys in the return box per Budgets policy. I then boarded Budgets shuttle and flew out of Denver International Airport to St Louis. I was then charged over {$4000.00} dollars for not returning the car on time. I did in fact return the car on time and boarded my flight. I attempted to contact XXXX and they would not help me resolve the issue. I then talked with Capitol One about removing the charges. They gave me the run around for several months before saying that I was responsible for the fraudulent charges. All of these cars have GPS tracking. If XXXX looked at this information they would find that the car was at their location on XX/XX/XXXX at XXXX. They would also see me returning their car on their video cameras.
Consumer complaint received 2022-12-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XXXX continued. 

WF was ordered by https : XXXX to pay consumer over abuses. 

the facts in the matter are simple, WF fraudulently forced me to close on a loan that was upside down by a WF loan officer whom worker for a developer.

WF has played games and delay tactic and lied about assumptions that are not true regarding our mediation process and pre- mediation agreements that are pure fallacy. 

See all the prior complaints. 

In conjunction, I have filled a complaint with the State of Florida and XXXX. 

Please have WF settle the issues. 

Thank you.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (FL)

Equifax and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX XXXX # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX XXXX XXXX XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX XXXX can not provide requested information the credit bureaus must delete it. XXXX already deleted this account based on the lack of ability to properly verify all reported information being accurate. What did Equifax and XXXX receive different from XXXX?
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

I filed a complaint in detail multiple times with the fraud charges included from Wells Fargo. Due to their negligence with handling of my account, the fraud continued and they didnt take active measures to properly refund me or handle the situation. Now that the CPFB has levied this fine against Wells Fargo and that they have new leadership, Im hoping theyll do the right thing and reopen my claims and send me what is rightfully mine. This has been an issue taking place for years that Wells Fargo has happily brushed under the rug. Only recently did they start sending me small checks admitting to their negligence and mishandling. They owe me way more than those checks though. In all, Ive been sent back around {$500.00} after the investigations into their handlings started become more public. 

Please advise and thank you for the help CPFB!
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Consumer complaint received 2022-07-26
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: Block, Inc. (GA)

On Sunday XX/XX/2022 I had multiple unauthorized purchases made at XXXX XXXX  XXXX located at XXXX Corporate XXXX, XXXX, NY XXXX ( XXXX ) XXXX between XXXX & XXXX for a total amount of {$810.00}. It took the suspects 4 minutes to make 3 purchases {$200.00}, {$200.00}, & {$410.00}. I then had an additional purchase made at XXXX & XXXX XXXX Spot on XX/XX/2022 for {$3.00} ( the remaining balance ). 

I immediately filed a report with Cash App ( Square ) case number XXXX however was denied. The denial reason was that my phone is secure, which makes no sense. 

No one at XXXX is answering at the store level, customer service keeps advising to call the bank or file a complaint, however Cash App is not assisting either. 

I have extensive supporting documentation to prove I did not authorize nor initiate the transactions.
Consumer complaint received 2024-03-28
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. (IN)

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-12-20
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. (AL)

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-12-20
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. (GA)

I received a copy of my consumer report, and I noticed some late payments posted on my consumer report on a account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Maximum Accuracy. I have never been late on payments for XXXX ACCOUNT # XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payment be updated to on time as they should be as I was NEVER Late.
Consumer complaint received 2022-12-20
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. (SC)

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # to all three credit bureaus. 

XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX tracking XXXX XXXX XXXX XXXX XXXX XXXX Equifax tracking # XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish there accounts on my credit report as well. 

Account : XXXX XXXX