davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-11-20
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-18
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: CLGF Holdco 1, LLC (CT)

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. 
| The accounts below have violated my rights. 
| 15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.c 1681 Section 604 A Section # * 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 tem 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 ) ( a ) A person shall not furnish any information relating td a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : CB INDIGO BANK XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I am writing to file a formal complaint regarding a recent request I made to JEFFCAPSYS, XX/XX/2023, That has been reported on my XXXX credit report need this collection remove collections from my credit report. Despite providing all necessary documentation and meeting the requirements outlined by the Fair Credit Reporting Act ( FCRA ), I have encountered significant challenges in getting this issue resolved. Here are the details of my complaint : 1. This is causing issues with my credit causing a negative impact unable to receive financial assistance when applying due to the negative information this company has reported on my credit I'm sure what this is regarding but i need this removed i have attempted to contact them advised them of my concerns that i am unaware of this information, This is hindering me from other opportunities to help me gain assistance. by lowering my credit score, receiving higher interest rates on credit cards, also in need of purchasing a car but the interest fees are high due this negative reporting I believe this is fraudulent I living paycheck to paycheck and have been trying to receive help far as loans but the high interest rates are to high. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that my rights as a consumer are upheld. I also seek assistance in resolving this issue promptly and obtaining the necessary corrections to my credit report. Thank you for your attention to this matter. I look forward to your prompt response and resolution
Consumer complaint received 2022-12-06
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-11
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. (FL)

On XX/XX/2023 I submitted a complaint about information being furnished on the consumers credit report. 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 number ending in XXXX XXXX XXXX Account number ending in XXXX XXXX XXXXXXXX Account number ending in XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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. In response to the complaint the CRA stated that ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. Trade : XXXX - XXXX SERVICE EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX EQUIFAX VERIFIED XXXX THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION, ACCOUNT HISTORY NON REPORTING DISPUTES Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE.. How were these accounts verified if I was never contacted during the investigation regarding the alleged debts.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I want these inquiries to be deleted I did not authorize these companies to run my credit CAP ON NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (TX)

XX/XX/2023 at approximately XXXX XXXX  I called Truist Bank in regards to my repossession and my options. 
I spoke with XXXX ID : XXXX XXXX advised that a certified letter of right to cure was sent. I received no notice from he postman that a signature was required to receive my certified letter leading me to believe one was not sent. I requested my payment history, copy of right to cure letter, copy of contract and the payoff quote. I also requested to speak to a supervisor and was immediately told none were available. I was not given the option to hold to see if one was available. I was told they were all on another call and it would be at least an hour before that call was over. I requested to hold until a supervisor was available and was denied the right to hold. I was told I would receive a call back when the hour phone call they were on ended. I have the past due amount plus the repo fee but they're refusing to accept it unless I give them {$5700.00}
Consumer complaint received 2024-04-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

I XXXX XXXX XXXX is collecting on a fraudulent debt created by a company whom is no longer in business nor managing XXXX XXXX. XXXX  XXXX XXXX Representative stated on XX/XX/XXXX he has a ledger that states i owe {$250.00} nsf fee. The STate of Texas Business & Commerce Code 3.506 states the maximum a business or oganization can charge for a nsf processing fee is {$30.00}. I never wrote this company a check. Which is why they cant prove i owe a {$250.00} nsf as of XX/XX/XXXX I demand this company remove debt from my credit report. 

The previous company XXXX XXXX presented this ledger to court to obtatin a fake debt. Then fired the reprsentative whom created the ledger and XXXX XXXX XXXX is no longer in business. This woman created a fraudulent ledger. XXXX hour before court. I have been homeless and not been able to concentrate on this matter until now. I am trying apply for an apartment. This woman made XXXX other ledgers with different amounts. i dint catch XXXX hour before it was submitted to the court.
Consumer complaint received 2024-11-19
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. (SC)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

2 years after disputes were started for fraud at Transunion the finally removed half of the fraud related cases. This comes after on multiple occasions stating they investigated insure to FCRA standard. With the removal of half the fraud reports its is now clear to see these issues were never ever investigated at FCRA standards as previously reported and Transunion had been falsely reporting data on behalf of companies. 
Fraudulent accounts still being reported include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When Transunion was asked to provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I am also requesting The means of which this information was VERIFIED and VALIDATED They failed to comply. They also have failed investigate files as can be seen by the current removal of fraudulent files that took over 2 years of disputes to remove. Transunion has continuously discriminated against and ignored me when request for a accurate dispute have been asked for both over the phone and in the mail. Even while I have been denied credit and the ability to move due to their errors and negligence they still have failed to resolve all the issues
Consumer complaint received 2023-04-14
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: OneMain Finance Corporation (GA)

I have 19 hard inquiries on my XXXX XXXX XXXX accounts & I did not give permission to these companies to access my credit report. I need for you all to remove all of these unauthorized inquiries.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I have been calling chase almost every day for a month trying to get a letter on Chase letterhead proving that I have settled my account in full with a {$0.00} balance. No one has provided me with that letter yet. Every time I call, they told me my account was in collections with a law firm when the account had already been returned to Chase. When they reported to the credit bureaus, they reported my account having a balance which is inaccurate. I have a mortgage loan pending and my closing date keeps getting pushed out because Chase is not providing me with this letter even though they all see in the system that I have settled my account in full. I am looking to receive this letter on Chase letterhead within XXXX - XXXX hours.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MI)

I just wrote a letter stating, 15 U.S. Code 1692c - Communication in connection with debt collection states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2024-04-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (MD)

We have a home equity loan with Truist Bank in XXXX, MD. For the last six months, we have been assessed late fees and received debt collection calls for non payment of our monthly loan amount. HOWEVER, all payments were made on time, yet each month, including XXXX, we are assessed late fees and receive collection calls. We have spoken to Truist but they have not solved the problem. We received an illegal debt collection call again today, about our XXXX payment. We made this payment on time and our account has been credited. We are very concerned that our credit rating will be permanently damaged and are concerned about Truist 's fraud, regulatory noncompliance, misrepresentations, fraudulent and deceptive business practices, and illegal debt collection calls. We appreciate your help to solve this problem.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX and deposited XXXX into my checking account. That same day I raised my spending limit to call and pay bills from the money in the checking account. I called XXXX XXXX on XX/XX/XXXX which XXXX XXXX decided to not process the day I told them to and attempted to Charge on XX/XX/XXXX days later then what I requested. the money was still available but at the time I didn't have a limit increase so that the large payment couldn't process. The branch manager wrote a letter and also attached the policy for spending limits. I tried reaching out to XXXX XXXX several times they won't help me with this matter. They did admit not charging my card and waiting XXXX days and also that were not willing to work with me on settling this matter
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 states I have the rights to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC. 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 incorrect.

Below I have attached the documents from my credit report circling inaccurate and incomplete information on my credit report for a long period of time. Moving forward I would like this Information to be deleted or removed from my credit report.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (RI)

On XX/XX/XXXX I contacted Wise.com to tell them that I had noticed there were emails I was getting that showed transfer activity I didn't do. I sent they my IDs and they responded back saying there was an account created with my information that had the wrong birthday so I couldn't get access. I told them to shut that down but leave my other account with over {$35000.00} active. On XX/XX/XXXX, They told me they would shut down the one that had incorrect information, but I could still use my regular account. They deactivated both accounts and mentioned, " While deactivating your other duplicate personal account, the business account was also accidentally deactivated.I have raised your issue with the relevant team and it will be resolved soon. '' Its been 3 weeks with no updates from them. I've called their customer support line at least 6 times and every time they create a ticket and say its going to be resolved but I have received no contact and my funds are still locked up.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I opened a XXXX XXXX  account for XXXX XXXX with 5/3 bank XXXX XXXX XXXX in XXXX, Florida. I provided all documentation and the account was opened seamlessly. I directed my credit card batch deposits into the account and within a week I had around XXXX in funds. XXXX morning I logged into the app and could not access my account. I called the bank and they told me to go into a branch for assistance. 

I arrived at the branch and they said they were doing a business check and that their " back office '' needed documentation. Every document they requested was previously provided to them at the time of the account opening. Thank banker re-submitted requested information and I was told my account would be on hold for XXXX business days. 

When the time lapsed, my account was still not accessible. I went back to the branch and they said that the " back office '' was requesting additional information. I provided it immediately and he uploaded the files. When he called, he was told it would be another XXXX days. 

I have now been without access to my business funds for a week. They will not let me withdraw or close the account. They are holding my funds hostage. I asked them why they didn't do this process at the start before I started directing my deposits into the account and of course, they have no answer for me. 

I am stressed and in a bind because my vendor bills are now past due because this lengthy review process with no sight on end. I want my account re-activated or closed and funds provided me TODAY. This is perhaps the worst service I have ever had at a bank.
Consumer complaint received 2024-03-28
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (OH)

original debt is with XXXX XXXX XXXXs they tried to make up a bunch of charges once i moved out. i believe it was in retaliation for a complaint i made to hud. They made fake claims of debt owed and then sent it to a debt collection agencies. i disputed debt with them and was told i did not have to be shown any prove of items paid.