davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (FL)

I am writing to file a formal complaint against XXXX and TransUnion for a serious violation of my consumer rights, specifically regarding the reporting of a missed payment on my consumer report. This violation is in direct contravention of the United States Code, as outlined in 15 USC Section 6804, and has caused significant distress and inconvenience in my life.

According to 15 USC Code 6801, I am entitled to the protection of my non-public personal information. However, XXXX, a financial institution, reported my non-public personal information to TransUnion, a non-affiliated third party, without providing clear and conspicuous disclosure in writing or electronic form that such information would be shared. Furthermore, I did not provide explicit consent for the sharing of my information with TransUnion. 

In XX/XX/XXXX, I filed a complaint to have a late payment, which was reported back in XX/XX/XXXX, corrected to an on-time status. This late payment has had a profound impact on my life, as it adversely affected my credit rating and caused significant stress and inconvenience. 

I demand immediate action to rectify this matter. Specifically, I demand that the late payment status associated with my XXXX loan, account number XXXX, be corrected to reflect that the payment was made on time. Failure to do so will leave me with no choice but to initiate legal proceedings to seek compensation for the damages caused by the clear violation of the United States Code and the negative impact on my creditworthiness. 

It is important to note that I have never signed an SSA-89 form, which would authorize the sharing of my social security number with a non-affiliated third-party financial institution like TransUnion. Therefore, any reporting of my personal information to TransUnion without my explicit consent is a direct violation of my rights. 

I kindly request your intervention and assistance in resolving this matter promptly. I urge you to conduct a thorough investigation into the practices of XXXX and TransUnion, emphasizing the seriousness of this violation and ensuring appropriate actions are taken. 

Please be aware that I have meticulously documented all correspondences, documents, and evidence related to this matter. I am fully prepared to take further legal action to protect my rights and seek appropriate remedies under the law if a satisfactory resolution is not reached promptly. 

I expect your immediate attention and resolution of this issue. Your cooperation in rectifying this violation and ensuring my consumer rights are protected is greatly appreciated. 

Thank you for your prompt action in this matter. 

Sincerely,
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (UT)

We received notice from Square that they " recently reviewed [ our ] account and found activity that our platform is unable to support. Because of this, we are sorry to inform you that your Square account is now deactivated. '' In addition, the email went on to say " Any funds currently in your account balance will be held for a period of 90 days, and are due to be released to you within XXXX business days after XX/XX/2023. '' We are a small XXXX XXXX XXXX XXXX XXXX XXXX that needs all of the funds that our patients have paid. We used Square solely so patients with health or flexible savings accounts could pay for our services with their cards. We are licensed by the state of XXXX  as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We are also licensed by the federal XXXX XXXX XXXX XXXX XXXX XXXX and are accredited by XXXX, an international accreditation board. There is nothing suspicious in any way about our business, the manner in which it is conducted, or payments made to us. 

I called to see if there was a misunderstanding that could be corrected, but was informed that Square has a policy of not informing anyone, including our organization of why they deactivated our account and seized our lawful funds.

I believe that if Square is going to seize our funds and hold them with no interest paid for 90 days they should have to provide some justification for doing so, which they again have refused to do. 

I appreciate your assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-28
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: Affirm Holdings, Inc (TX)

On or around XXXX I reach out to a company name Affirmn I expliened to this loan Company that services was never rebdered by the merchant infact later this year a police Report was filied case # XXXX was filed I also sumbmittied this evidene to Affrimn In former complaint with the XXXX XXXX XXXX complaint # XXXX yet this XXXX still reporting negative in dilquent to all credit agencies which is a volation Of 15 U.S.C. 1681 Section 602A states I have a 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 with out my written instructions.
Consumer complaint received 2019-01-07
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. (TN)

I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.
Consumer complaint received 2023-07-17
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. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-17
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. (NY)

This is my one of my numerous 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 and XXXX XXXX XXXXXXXX. Please remove these acccounts ASAP.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NY)

Cash app terminated my cash card for no reason and wont tell me why? Cash app is P2P send and receive service so what is the point offering a debit card to use to make purchases when they terminate my card out of the blue without warning and no explanation. Cash app is payment service but they limit their service on my account and dont offer option to appeal my case. Cash app even offer to buy bitcoin and option to send bitcoin to external wallet but targeted me by making it hard to send bitcoin if they offer the option to send bitcoins out of cash app
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have been disputing a item on my credit report, for sometime my latest dispute was sent a XX/XX/2018. The credit agency equifax is the agency that sent the results of my dispute it was dated XX/XX/2018. I mailed the dispute on XX/XX/2018. I received the result of the dispute a day after XXXX, Which is more than 30 days, this is false information on my credit report that is said to be accurate which is false, the account number of the dispute is XXXX, XXXX/XXXX. The credit agency XXXX  updated the information as paid in full.
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (TX)

I, XXXX XXXX never gave EQUIFAX, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The collection agency that is claiming that I owe an alleged debt to their agency is reporting a different balance from what I had with the original creditor XXXX. XXXX has since removed this account. I have attached my last statement from XXXX to show the discrepancy. I will also attach the dispute letter sent on XX/XX/year> which is dated, and time stamped. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX  XXXX
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, CA XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX have violated my rights. According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX both these collection agencies are claiming the same account but have conflicting information which makes it confusing to dispute. Please help me with this issue that is detrimental to my credit health. Thank you.
Consumer complaint received 2021-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (CA)

This debt is from XXXXXXXX XXXX XXXX, the original collection company was XXXX XXXX XXXX, I fought and dispute that debt a d it was cleared because it was time barred debt, and the debt was awarded to my ex spouse legally I am not responsible for that debt,. Now that XXXX XXXX  had to remove it from my credit they sold the account to awa collections, I do not know this company and they are in violation of the fcra,. They automatically out the account on my credit without sending me any form of notice that they were doing it so tht I can dispute it,. I do not owe this company money, I have no clue who they are, they just attached it to my credit with no form of communication, I have no legal binding contract with them, I have no account with this collection agency by law they are to remove the items from my credit and cease all collection activities.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I closed a USAA credit card account on XX/XX/XXXX after I received the XXXX statement which closed on XXXX/XXXX. This statement included the following : " ... ACCOUNT RENEWAL NOTICE. YOUR ANNUAL FEE OF {$40.00} WILL BE BILLED ON YOUR NEXT STATEMENT. YOU MAY AVOID THE FEE BY CALLING US AT XXXX XXXX XXXX AND CANCELLING YOUR ACCOUNT .... '' I called the number and cancelled the account on XX/XX/XXXX. In early XX/XX/XXXX, I received the XXXX statement which closed on XX/XX/XXXX and which included the {$40.00} which was posted on XX/XX/XXXX. 


On XX/XX/XXXX I spoke with a USAA credit card representative who stated that the {$40.00} fee was unavoidable since I had closed the account 5 days after the fee was posted. 

So it seems I paid a yearly XXXX fee for a USAA rewards credit card, even though I cancelled it in good faith.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-07-20
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 — 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 demanding to be deleted immediately :
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

On XX/XX/2018 I sent a dispute to Eqiufax concerning my credit report. The dispute was : 1 ) The personal information reported by this creditor/Debt collector is incorrect. 

2 ) The amount allegedly owed of a debt appearing on my credit score is fraudulently incorrect and reported incorrectly. 

3 ) My lease was month to month and I had no balance when I moved. This is a retaliation tool used by this debt collector and landlords, to scare renters and block the ability for future rental. This fraudulent amount reports on my credit score for seven years blocking my ability for housing. 

On XX/XX/2018, I called Equafax as I had not been informed of any result of my dispute. Equafax attempted numerous times to get me to say my name was different. Equafax then informed me that they had made a decision to leave the information on my credit score on XX/XX/2018. I asked Equafax if they were going to inform me of their decision. The reply was, " we sent you an email. '' As I had not received any email or letter in the mail, I asked what Government agency I needed to contact for a review of their practices. Equafax informed me, " Consumer Reporting Agency. ''  This information was incorrect. I called my local credit union and they assisted me in contacting Consumer Finance. 

I later discovered Equafax give the debt collection company any new information concerning me.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Please refer to my XX/XX/2019 CONSUMER FINANCE PROTECTION BUREAU correspondence for full details and allegations of " 18 U.S. Code 876 - Mailing threatening and other Federal and State of Texas Statute Violations Maliciously Used to Damage My Experian Report and Score ''.

Please note that I am attaching 2 copies of my XX/XX/2019 CONSUMER FINANCE PROTECTION BUREAU PDF copy that is unsigned for the purpose of clicking supporting links that can be reviewed and another duplicate signed copy that was scanned. 

Both letters describe full details of my allegations of 18 U.S. Code 876 - Mailing threatening and other Federal and State of Texas Statute Violations Maliciously Used to Damage My Experian Report and Score.
Consumer complaint received 2022-08-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-18
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. (NC)

This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior XXXX certify under the penalty of perjury, I have obtained possession. All are being investigated by the FTC
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (OK)

Letter dated XX/XX/2019 trying to collect a debt thatis 10 to 11 years old.  Convergence   is a third party collection company representing XXXX XXXX XXXX XXXX that is trying to collect a debt from original creditor XXXX. This debt has been sold, transferred or given to several different collection companies. I'm sick and tired of these aggresive people.
Consumer complaint received 2019-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

3 months ago, I filed a fraud at Bank of America, they gave me a temporary credit l, then after few months they reverse the temporary credit without notifying me. Thats make my checking account overdrawn, and wasnt able to pay my bills
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

XXXX I was an victim of a scam an identity theft after I realized I took the proper channels with overwhelming proof and a police report I was scammed .Navy federal still work recover my money because they say a scam is not XXXX.
Consumer complaint received 2023-07-18
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : DEPT OF EDUCATIONXXXX  XXXX, DEPT OF EDUCATIONXXXX  XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATION/XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

Upon reviewing my credit report, I was absolutely shocked to see 2 late payments on XX/XX/XXXX and XX/XX/2017. I'm not quite sure how this happened. I am always on top of my payments. It seems that either it got lost in the mail or for some reason the payment didn't go through and wasn't processed.