davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
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: Experian Information Solutions Inc. (NY)

On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX acct # XXXX. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded it to all CRA. It has been 5 months and this account is still falsely reporting on my credit. The latest false report is 2 new 90 day late payments on XXXX. How is this possible for an account that should not be on my credit report?

It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complain on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. If needed I can provide documentation that this should not be on my reports. However, I ask that you correct the error on your part and remove the account entirely.
Consumer complaint received 2023-01-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

THIS ACCOUNT IS REPORTING A LATE PAYMENT FOR XX/XX/2022 AND I WAS NOT LATE. THIS HAS CAUSED MY CREDIT SCORE TO DROP AND NEEDS TO BE CORRECTED. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?
Consumer complaint received 2023-07-07
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. (NC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$440.00} XXXX  ( Original XXXX : XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-08
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. (FL)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX : ADDRESSES : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ACCOUNTS XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX, Balance Owed : {$0.00}, XXXX  XXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$440.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-21
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-02-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services (CA)

Mercedes Benz is alleging I owe a debt that is incorrect. The lease agreement between me and Mercedes Benz acts as the security/collateral of this agreement. XXXX XXXX XXXX XXXX is the depositor bank that is deposited the note and transfer it for payout of the principal from the Treasury Department. Federal law states banks are transfer agents and only transfer securities from one institution to the next. Furthermore this contract that is the note is being traded to raise capital. According to the IRS publication I am entitled to equitable interest and principal balance of this account and Merced Benz is res

ponsible for the taxes. The Federal Reserve Act also states that the security is the collateral and banks are barred from using anything other than notes, drafts, bills, and money order for collateral so issuing this contract and being deceptive by stating I needed to pledge my private property for this loan made it unconscionable.
Consumer complaint received 2024-01-28
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. (KS)

After a careful examination of my credit report, I have identified a significant discrepancy regarding the reporting of an account. Despite having made timely payments, my report erroneously reflects two late payments. It is crucial for consumer reporting agencies to maintain the highest level of accuracy in their reporting. I assure you that there have been no late payments on this account. For your reference and further investigation, I have attached a copy of my report highlighting the concerned period, specifically XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX. Also, the No Data reported on XX/XX/XXXX. I respectfully request a thorough investigation into this matter and ask for concrete evidence if any late payments are claimed. Should these late payments not be substantiated, I urge an immediate correction to reflect the payments as made on time. Your understanding and XXXX XXXX of this issue would be greatly appreciated. ''
Consumer complaint received 2017-03-23
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Gordon, Aylworth & Tami, P.C. (OR)

Several years ago I had a balance of {$2000.00} on a credit card. Due to life issues I ended up not being able to pay and then honestly forgot about it as there was no contact for years. About a year o r two a go they drained my entire bank account and sent me info saying that I now owed {$7000.00}. I understand that this was my debt but that 's just crazy. I have now paid off $  XXXX  of it which seems more than fair in my opinion. However they are still asking for $  XXXX , 200 % of the debt.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX - Account XXXX : XXXX
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

Discover Bank is showing this account as a charge off with no payments being made for over 12 months. Payments are in fact being made in accordance to the agreement with their legal representation for the past 11 months. I have contacted their legal representative, and they stated that it is not their responsibility to report to the credit bureau, but Discover should be updating the reporting, and that they send them a monthly feed showing the account is actively being paid on for their records. Because of Discover not properly reporting to the credit bureau, my credit score has been negatively affected and almost cost me an employment opportunity. They need to have all of the payments I have made updated to my credit file and update the status from a charge off to active status and make any necessary to the score as well.
Consumer complaint received 2024-03-21
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. (FL)

Different banks are reporting hard pulls on my credit report which is illegal under 15 U.S.C 1681 or fair credit reporting act. This is when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency, and I was never notified that I was going to receive these inquiries when applying.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Three of my personal accounts, three of my credit cards, three of my business checking accounts, overall 10 of my accounts have been closed by chase with no reason given. They have also locked my online account and do not allow me to access my funds.
Consumer complaint received 2024-01-28
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. (FL)

ATTN : FRAUDULANT DEPARTMENT AGENCY RE-INVESTIGATION *THIS IS A SECOND ATTEMPT TO RECTIFY THIS ISSUE, YOU ARE NOW 30 PASTED DUE ON THE REMOVAL OF THE FOLLOWING DISPUTED INFORMATION* The Fraudulent items listed below still appear on my credit report, even after your investigation. I would like these specific late items immediately re-investigated and corrected/removed. These inaccuracies due to identity theft are highly injurious to my consumer credit report. There is information on my consumer credit report that are a result of identity theft. I did not give authorized written permission or instructions for the identified purchases to be reported on to my consumer report. I am requesting that the publishing of this informational data be investigated and corrected/removed. The Identified transactions are not related to any grand action or transaction by me as the consumer. 

MONTHS OF ACCOUNTS/ACCOUNT NUMBER INACCURATE LATE PAYMENTS DATE OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FORMER ADDRESS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI , Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. 
Please provide : 1.As you are aware, the Fair Credit Reporting Act ( FCRA ), 15 USC 1666b , requires that credit reporting agencies to follow reasonable procedures. To ensure that the information in a consumer credit report is accurate. It also gives consumers the right to dispute inaccurate information and requires credit reporting agencies to investigate and correct or remove inaccurate information. 
Also, the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 subsection C-2 Blocking of information resulting from identity theft.
Consumer complaint received 2023-07-07
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. (MI)

After going through my updated Credit Report, which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that my Credit File still reported the fraudulent items and information on my Credit File. The disputed items remained on my Credit Report, and yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent items the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA Section 605b, any and all fraudulent items must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these items for 4 months already, and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand the Credit Reporting Agencies to remove the disputed items from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not only did the Credit Bureaus not send me a copy of my updated Credit Report, they have not sent any documents supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.
Consumer complaint received 2024-08-26
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. (NC)

I would like to dispute the inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$110.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account Number : XXXX {$650.00} XX/XX/XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$1000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$1700.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX {$650.00} XX/XX/XXXX
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-25
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. (OK)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-08-24
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. (PA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UMB FINANCIAL CORPORATION (CA)

I opened up a XXXX XXXX account with the following promotion : Open a XXXX XXXX XXXX account and XXXX  account, get {$50.00} once you deposit {$25.00} or more within 7 days. I opened the accounts on XX/XX/2022, funded {$25.00} on the same day. 

Also in the terms and condition : " The cash award will be deposited directly to the XXXX XXXX XXXX account within 10 calendar days after the qualification period. Amounts deposited by XXXX in the form of the cash award will be initially held in the eligible accounts core position. You will be provided information regarding the available core positions for the account type you select during the account opening process. You have the option of selecting a money-market fund sponsored by a XXXX affiliate as your core position. No further investment or trading is required to qualify for the offer. '' As of XX/XX/2022, I still have not received the {$50.00}. I inquired about this by phone on XX/XX/2022, and was told it would post the next day. It did not.