davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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. (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. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2023-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (AZ)

My name is XXXX XXXX and there is several fraud charges from Tagged on my cash app debit card I barely use from XXXX to XX/XX/2023, totaling XXXX .Its my cash app I use for my businesses. After reviewing all my banks and transactions. Ive been a victim of identity theft and my personal info is on the dark web. I have filed a police report, ftc report and had to change cell phone providers and change my DL number due to this unfortunate events. Ive since had to close my cards and change phone carriers for two of my businesss due to fraudsters accessing my phone service account. Ive had several bank accounts hacked and this has been financial hardship on my businesses and personal affairs. I been reaching out to cash app annd tagged and filing fraud and dispute claims and they been denied saying based on the information they received the transactions are not refundable or fraud. When I ask for proof I dont hear anything from them. Ive submitted ftc and my local police fraud report and still no response I reached out to tagged and asked for proof to be sent to me of the fraudulent charges and I have not heard from them to remedy this issue I learned of it in XXXX. Im not sure what to do next. My XXXX account was affected too due to fraudulent charges from tagged merchant and I disputed with tagged for those transactions and they refunded me so why not the transactions on my cash app account. Since then Cash app has took my card without me knowing and I had to chat with two representatives who could not tell me why? Ive had to find another way for my clients to pay me and this all an inconvenience my business. cash app shares info in accordance with its Privacy Policy. Under the " WHEN AND WITH WHOM WE SHARE YOUR INFORMATION '' : They state they can share with others with my consent For example : At my direction or as described at the time I agree to share ; When I authorize a third party application or website to access your information. I would like to give my consent for cash app to share any account details with CFPB. Thanks. I have attached cash app statements I was able to download to show ownership of account.
Consumer complaint received 2022-05-19
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: Avant Holding Company, Inc. (FL)

On XX/XX/22 I identified an unauthorized hard inquiry on my credit report by a company named XXXX Avant/ Avant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX IL XXXX. I immediately contacted them at ( XXXX ) XXXX and asked why they pulled my credit without my authorization at which time they stated that someone had opened an account with them using my information. They also stated that the account had not been funded. After a series of questions they stated that their Fraud Department would be handling this case and that they would be in touch with me in a few days. I waited a week before calling them to find out what was happening and got nothing but poor excuses. On XX/XX/22 I received an Identity Theft Victims Complaint and Affidavit in which I immediately completed with a Law Enforcement Officer XXXX. Upon completion I emailed it back to them at XXXX per their instructions. On XX/XX/22 I contacted them again to ensure that they had received the Complaint and they refused to tell me anything!! also refused to tell me that they had received it even after they verified my identity, They were acting very suspicious so I went to the XXXX  XXXX XXXX and looked up the Company and was horrified to find multiple issues with this company EXACTLY like mine. This company needs to be investigated and shutdown for its possible criminal activity.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2021-07-28
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I closed our checking and savings accounts more than a year ago. I can not reach a human at Bank of America and all my efforts result in a circular web chase ( contact XXXX phone- close account- contact us- phone- close account, etc. ) Bank of America makes it inordinately difficult for those of us with XXXX jobs to contact anyone who can help. 
I filed a previous complaint and the Bank claimed they closed our account but we're still getting mail and they are threatening to charge us a maintenance fee on our closed account.
Consumer complaint received 2022-04-14
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: CITIBANK, N.A. (MI)

Someone with my information opened a Best Buy and Macys credit card. Each with a balance of over {$1000.00}. The purchase made was NOT mine and dropped my credit score over 80 points. Tried to dispute through XXXX XXXX and nothing has happened. Also have already filled a police report through the XXXX XXXX police department with Officer XXXX.
Consumer complaint received 2022-10-12
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. (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 U.S.C. 1681. 

XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX/1022 Original Creditor : XXXX XXXX, Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Has violated my right to privacy. 

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 an 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, 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.
Consumer complaint received 2023-07-21
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. (AZ)

XXXX XXXX XXXXXXXX ( XXXX ) is violating consumer laws. 
Under the fair credit reporting act : 15 U.S Code 1681a-Defenitions ; rules of construction | US code | US Law | Lll legal information institute XXXX XXXX ) 15 US Code & 1681s-2- responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) prohibition ( A ) reporting information with actual knowledge of errors.

15 USC ; 1681a 2 ( A ) ( i ) except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s -3 of this title, any- ( i ) reporting containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ; Therefore, on XX/XX/2022 XXXX XXXX XXXX is reporting a transaction as a late payment which according to the law and my understanding it is ilegal. I demand is updated immediately to paid as agreed.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

I had initiated a withdrawal from my Apple savings account which is sponsored by Goldman Sachs. I had initiated a transfer on XX/XX/XXXX at XXXX XXXX  and on XXXX  XX/XX/XXXX, i called Goldman Sachs to inquire the status of my withdrawal. They stated it's still in a review process. Therefore, i called them late evening and they gave me three different answers.

First answer was that they needed to verify my bank account. Which i did by doing a conference call with Goldman Sachs and my transferring bank XXXX XXXX XXXX XXXX. Thereafter, they told me that i am all set and my money would be transferred to XXXX XXXX XXXX XXXX. 
Thereafter i called again to get a status on same evening, they stated that it's still in a review process. I told them that my other bank ( XXXX ) account was verified and they had told me that my money would be transferred. They basically said " Sorry '' but we can't help you. I asked them to talk to supervisor, they stated they do not have a supervisor or managers. They are busy, till today XX/XX/2023, i haven't heard back from any supervisor or manager. 
Third answer i received was that i can't get my money because i wasn't transferring out to the same back as the money came in from. 
Therefore, i called them on XX/XX/XXXX morning and by that time my transaction was showing as " Declined ''. Therefore, they advised that i initiate a new transfer. Therefore, i did a new transfer. 

I need this money to put a down payment for our new home. This postponed our closing on XX/XX/XXXX. My household good had to be delayed as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I had to reschedule handyman, appliance delivery, window and door installation. 

This has caused us a significant amount of stress by them not providing an accurate answer to get our money.
Consumer complaint received 2021-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed several inaccurate, incomplete or unfair information from my credit reports to the credit bureaus and i have not received any response from them.
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This debt is not mine. I have attempted to have it removed and disputed on numerous occasions. I have spoke with the creditor and attempted to get it removed unsuccessfully. I have received numerous calls threatening about this debt collection. I do not owe this account or this Dad and I want it removed from all my credit bureaus immediately. To include XXXX, XXXX, and XXXX XXXX. I am in the process of seeking legal help and an attorney to pursue a lawsuit if needed.
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC (WA)

I never signed a contract with XXXX XXXX for a gym membership and was told it was a month to month membership that I could cancel at anytime. I called the gym and told them I no longer wanted to have a membership. I was not told it needed to be in writing. Now XXXX XXXX XXXX has called me several times over the last two weeks and when I explain this on the phone, they just hang up. Today, XX/XX/18 I told them not to call me back. They yelled on the phone and told me when I signed a contract, I needed to send them a request via mail to get a copy of the contract I signed, that I would be reported to the credit bureau and when I felt like paying my debt call back and hung up again.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (MA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Utility company has sent a debt to collections that was not mine and I never lived at address to have services, Im positive if that was my information it was fraudulent obtained and used please remove those debts from my credit reports
Consumer complaint received 2022-07-18
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: Onity Group Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accountss as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : OCWEN LOAN XXXX
Consumer complaint received 2022-04-14
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. (MS)

This is a notice that the Experian Consumer Agency Corporation has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian Corporation to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account XXXX XXXX - XXXX
Consumer complaint received 2021-01-30
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. (NJ)

I pulled my credit reports to find that there were multiple unfamiliar inquiries bringing down my credit profile. I contacted Equifax on various occasions regarding these inquires and on one phone call it was suggested that I place a fraud alert on my credit and submit paperwork verifying the inquiries did not belong to me. I contacted each company where the inquiries were originated and was told that the inquiry did not result in an open account therefore they had no record of me in their system, so of course there was nothing they could provide me to give to Equifax. Again I called Equifax to let them know what I was told, still nothing was done. This is a clear violation of FCRA and something needs to be done immediately. This would be the second time Ive submitted a identity theft report, the first time it was faxed on XX/XX/2020 at XXXX. They verified they had received it, STILL NOTHING HAS BEEN DONE IN REGARDS TO REMOVING THESE INQUIRIES.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Applied for home equity loan. Report states lack of revolving account info, lack of recent installment loan, too few accounts currently paid as agreed. We have credit for 60 years. We have two credit cards which are automatically withdrawn from bank account in full every month. Just because we do not carry balance every month, we should not be penalized. As far as we know we have never had a past due amount. We feel we should have perfect credit.
Consumer complaint received 2023-01-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  did not furnish the Experian with the required disclosure, within the period required by the law. XXXX is required by federal law to place a notice of dispute on my Experian account within 30 days of my dispute, which started on XXXX. I have retained a copy of Experian start date of the dispute that is attached, showing XXXX have violated time-stamped copy of my Experian credit report, showing that XXXX have violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30-day mark.
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am requesting that the following inquires are removed from my credit report as a fraud alert was placed on my credit report and that EVERY creditor must contact me before either offering credit, and/or running my social security number in the first place. 



I was not contacted by the following creditors under this stipulation to be notified first and these inquries need to be removed immediately : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX- XX/XX/2022 3 ) XXXX XXXX XXXX- XX/XX/2022 4 ) XXXX- XX/XX/2022
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The following accounts below were reported incorrectly and inaccurately TRANSUNION with no supporting documents of that this is valid and have no error. The payment history is incomplete and they failed to provide any proof which I already requested for so many times.. Moreover, the accounts have illegally re-aged which is totally not acceptable as per Federal Credit Reporting Act requires 100 % accuracy. The issues have been raised previously with no feedback received. XXXX XXXX XXXX, XXXX  XXXX  XXXX  XXXX
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

after submitting a complaint with cfpb i received a a letter dated XX/XX/XXXX which i didnt receive until the first week of XXXX. during this time i started receiving calls from XXXX XXXX. he would call around XXXX XXXX whike i was at work> i wasnt able to return her call until XXXX XXXX XXXX  but it would go to voicemmail so i left a message. the letter finally came so i contacted XXXX about accepting the payment option so i sent the amount on for XXXX first. phh cashed my check no guestion. so XXXX XXXX i sent the next payment. i never received anything until XX/XX/XXXX. i received a letter that they would not be cashing my check and they would be sending forclosure information to their attorney.why would they cash the XXXX check if they would not follow thru with it. also in XXXX the insurance company that insures my house sent me a notice that our police would be cancelled. i immediately got new insurance and then 3 weeks later i received another ketter from the insurance company that phh paid the bill so i now had my policy reinstated.
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I obtained my credit report on XX/XX/2022, I notified inaccuracies on my report from the company National Credit Systems, I disputed the account and saw that this was a collection agency that purchased an incorrect debt. I reached out to the original party of whom this debt was sold to. I had to dispute the claims with the local court system constable, it was discovered that me nor the co applicant XXXX XXXX did not owe this debt and that it would be removed. This company has harassed XXXX XXXX with threatening phone calls and by falsely reporting information which has some significant damage. I have communicated with this company and have not receive any validation of debt, this has now been 3 months since the dispute.