davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-11-20
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. (CA)

Mortgage was transferred from XXXXXXXX XXXX to XXXX effective XX/XX/year>. Approximately XXXX days later, my XXXX XXXX was negatively hit by a XXXX point decrease. Having pulled a copy a my report, it appears the TransUnion has decided me as the consumer is somehow responsible for these companies ' transactions. 

Additionally, I understand this is a common practice of the credit bureaus and most consumers are not aware this is being done. 

Bottom line, I want my points back and I want them to stop doing this.
Consumer complaint received 2022-05-24
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: TRUIST FINANCIAL CORPORATION (TX)

XXXX XXXX ran my credit without permission, I have written consent from the dealership stating they should not have run my credit and did not have authorization to do so. Regional acceptance corp is denying the request to take it off my credit even though I have shown proof they need to delete this inquiry. They are committing fraud at this point and need to be investigated.
Consumer complaint received 2022-05-27
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. (SC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights XXXX XXXX XXXX account # XXXX XXXX has violated my rights XXXX XXXX  XXXX account XXXX XXXX XX/XX/XXXX {$2200.00}, refuse action XX/XX/XXXX {$1200.00}, no action XX/XX/XXXX, completed investigation XX/XX/XXXX {$410.00} no action taken 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 or information. Any other adverse item of information, other than records of conviction of crimes which atedates 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 2024-10-17
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-08-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a claim with Bank of America whom I have banked with for many years and have a preferred relationship with on XXXX. 

The purchase in question was made in XXXX of 2021 of {$350.00} with XXXX XXXX, a XXXX contractor who replaced a collapsed return line underneath my home. 

In XXXX, occupants of the home notified me of XXXX trouble that culminated in a replacement of the unit and a discovery of substandard install duct work that caused the line to collapse within 6 months of the replacement. The contractor who replaced the unit and line identified poor installation performed without ziplines, straps, and the presence of XXXX tape that caused the duct to collapse and XXXX in on itself. The resulting damage was {$500.00} for a new line and {$4300.00} for a new XXXX unit despite the old one only being XXXX years old. 

After working with the contractor, he simply pushed the claim stating it had been six months and that the tape was likely from an XXXX specialist. Since XXXX XXXX denied any responsibility for poor install as alleged by the XXXX contractor and independent review of pictures provided, I went ahead with Bank of America to file a claim. 

On XXXX, I received a claim letter dated XXXX with instructions to send in a detailed letter of my claim with supporting information no later than XXXX. I compiled a letter, invoice, sales receipt, pictures, text exchanges, contractor contact info, and testimonies and sent a fax on XXXX which was confirmed to be received that day. 

Bank of America on XXXX sent me an automated message to check the online claims portal and after checking, I found the bank had simply provided me a generic claim denial letter dated XXXX stating the charge was 'outside of their processing times, the physical location of the good/service, and attempts to resolve with the merchant. ' The letter concluded that I should simply resolve the issue with the merchant. 

Given that these reasons are opaque and generic, I have lost faith in Bank of America to back my purchases for goods and services against merchant malfeasance/misfeasance. Also questioned is whether Bank of America received my fax and if they did, a thorough review was completed of the information I provided. I tried calling on XXXX and simply was told that this department in question was closed and to try again Monday.
Consumer complaint received 2022-07-10
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. (TX)

I sent this letter XX/XX/XXXX, to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4900.00} {$4900.00} {$4900.00} No. of Months ( terms ) : 60 60 60 High Credit : {$6000.00} {$6000.00} {$4900.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$4900.00} {$4900.00} {$4900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MS)

XX/XX/XXXX I deposited XXXX} cash at my local XXXX. I immediately attempted to pay phone bill but it was declined twice, tried to cash out money it was declined. I contacted support and was told they were declined for my protection and there seemed to be some unusual activity on my account. Told that I was no longer able to use my cash card but could still cash out or send to someone else. Explained I was not able to do either. I was first told that my bank was declining the cash out saying that my bank had cash app blocked. I called bank and was told there was no block and that they could not see where anything had been declined on there part. Contacted support with this information and was told that they no longer accepted my debit card as a means of funding my account. I stressed that I was not funding rather trying to withdraw my money. I even changed. Cards but still could not cash out. Explained that when I tried sending to someone else it said I did not have enough to complete transaction. But I did. Immediately was told that they were sending to the specialty team and someone would be in touch. I have not heard from anyone yet. I have reached out multiple times and received no answers and no money.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act the following XXXX  Accounts has violated my rights : XXXX XXXX  XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) 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 States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (TX)

This is a re-dispute for cfpb complaint XXXX XXXX and Early Warning Services Dispute Case ID : XXXX where XXXX responded that my identity theft dispute came back as verified. EWS removed and blocked XXXX from my consumer report on XX/XX/year> and decided to rescind the inaccurate information to my consumer report on XX/XX/year> without any supporting documentation. XXXX needs to produce the way that my account was verified. I also requested the XXXX address to the fraudulent check that was deposited into my account and for the signature on the check to be analyzed because it does not belong to me. XXXX was unable to produce that. Also I requested that Survaillance videos or photos be released of whoever withdrew the funds from my account to prove my innocence, XXXX stated that there shouldnt be an issue because it was withdrew from XXXX  ATMs within their network. XXXX has yet to do so! In addition EWS and XXXX are in VIOLATION of law 605B of the federal Fair credit reporting act by not removing this from my consumer report due to identity theft. To conclude this needs to be removed from my consumer report if they can not validate the inaccuracies that they are reporting! This was originally submitted in XXXX, it should not take 3 months to have this removed from my consumer report. XXXX is not obligated to prolong the process of the removal of these inaccuracies if they can not produce supporting documents expeditiously.
Consumer complaint received 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2023-12-06
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: EQUIFAX, INC. (PA)

Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (AP)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX In accordance with the Fair Credit Reporting and XXXX  Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX In accordance with the Fair Credit Reporting and XXXX  Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (PA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-20
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. (KS)

Someone used my information to open accounts that I had no idea about and some inquiries as well XXXX opened XX/XX/year> {$29000.00} XXXX XXXX opened XX/XX/year> {$2100.00} XXXX opened XX/XX/year> {$880.00} XXXX  opened XXXX XXXX {$410.00} XXXX XXXX  opened XX/XX/year> {$270.00} XXXX XXXX opened XXXX XXXX {$74.00} XXXX opened XXXX XXXX {$48.00} XXXX opened XXXX XXXX {$20.00} XXXX XXXX  opened XX/XX/year> {$12.00} XXXX opened XXXX XXXX XXXX XXXX opened XX/XX/year> {$260.00} XXXX XXXX  XX/XX/year> balance XXXX XXXX XXXX {$500.00} XXXX {$43000.00}
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$83.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX  ; XXXX/XXXXXXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

I have disputed this company and it's lack of respect for the laws that govern them. They continue to do as they wish with no regard for laws or The CFPB. There are XXXX hard inquiries that are over XXXX XXXX XXXX that experian flat out refuses to remove. My patience is over. They are still not reporting my correct name, XXXX XXXX XXXX XXXX, and they will not remove the inquiries. If CFPB is not going to get this company to follow the rules, what are my options? This has been going on for years. They are being allowed to ruin my life and the CFPB does nothing. WAKE up!
Consumer complaint received 2024-11-14
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: WELLS FARGO & COMPANY (AZ)

I recieved denial for credit card application from Wells Fargo. I did not apply. The reason fro denial was too many attempts in recent time. I have not applied for any.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LD Holdings Group, LLC (SC)

In XX/XX/2023 I submitted an online inquiry about a home equity loan or HELOC with this company. I received a return phone call on a recorded line and the representative stated that they could not offer me that type of loan, but could offer a cash out refinance loan. I stated that I would not be interested in any refinance as I have a better rate on my current mortgage and was looking for a small amount of funds ( less than 10 % of the mortgage amount ). Based on this I said I wasn't interested in a refinance and ended the call. Even though I gave the company a clear NO they proceeded forward as if I had said yes - they opened a mortgage application and began sending documents to my home such as copies of an application. This was a major security risk because the documents contained my full social security number, income information etc and as I had no awareness they would be sent they could have easily been stolen from my mailbox without my knowledge and led to identity theft. Meanwhile, the company repeatedly called me and sent emails regarding a mortgage process I had already clearly stated I wasn't interested in. After over a month of hounding me they sent a 'denial notice ' for the application - again despite me having denied ever wanting to open an application. The lending XXXX was XXXX XXXX, XXXX Licensed Lending XXXX, NMLS # : XXXX. I informed them yet again that I had declined any mortgage offering and that any application opened in my name was fraudulent- they have made no effort to resolve.
Consumer complaint received 2023-02-27
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

In accordance with the Fair Credit Reporting act. The List of accounts/creditors below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 . 

XXXX XXXX XXXX XXXX, USAA Federal Savings Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.