davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

This company has violated my right to privacy by not notifying me before information is published on my credit report 15 U.S. Code 6801 - Protection of nonpublic personal information ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

This unauthorized information has caused me many inconveniences 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was not given the opportunity to before time this information was just published 15 U.S. Code 1681- Congressional findings and statement of purpose 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This agency assumed this role with out my consent and are not respecting my privacy
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/2022 {$500.00} I told the bank that I was cheated by XXXX  agent scam and want to withdraw the payment. They told me that they can not do that while transaction is still pending at that moment.
Consumer complaint received 2022-08-05
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. (GA)

1.Experian, XXXX, XXXX and XXXXXXXX XXXX  violated HIPPA Laws and Rules. 
XXXX. Experian, XXXX, XXXX, XXXX in violation of FCRA Act Unauthorized access to my credit file. 
XXXX. Don't owe a {$1300.00} medical bill. 
XXXX. Unauthorized disclosure of medical information. 
XXXX. I have been harmed by inaccurate crediting reporting. 
XXXX. XXXX XXXX, Experian, XXXX, XXXX illegally accessed my frozen credit file for profit.
Consumer complaint received 2022-08-05
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. (GA)

XXXX, XXXX, Transunion and XXXXXXXX XXXX violated HIPPA Laws and Rules. 
XXXX. XXXX, XXXX, Transunion, XXXX in violation of FCRA Act Unauthorized access to my credit file. 
XXXX. Don't owe a {$1300.00} medical bill. 
XXXX. Unauthorized disclosure of medical information. 
XXXX. I have been harmed by inaccurate crediting reporting. 
XXXX. XXXX XXXX, XXXX, XXXX, Transunion illegally accessed my frozen credit file for profit.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am writing to formally request the blocking and deletion of the following accounts from my 
credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c2(a) and FCRA  605(b):
Accounts to Be Blocked and Deleted:
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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)

As I reviewed my recent report, I have found a lot of erroneous and fraudulent information reporting on my TRANSUNION Credit Report and I am refilling this complaint. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number XXXX
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Husband received call onTuesday XXXX around XXXX regarding a possible fraudulent withdrawal to our account. My husband confirmed that the charge was indeed fraud and the bank was supposed to cancel the card and issue a new one. However, they never did and another XXXX transactions additional to the one we received the call about, hit our account over night to a total of XXXX. We called the bank first thing Wednesday morning when we saw and were told that my husbands card was never cancelled and a new one had not been issued. We were then told that because it was such a high amount that it would have to go to High dollar value fraud department and they would call us between 2-5 business days. Meanwhile they are charging us overdraft fees, they paid all of the fraudulent charges but returned my mortgage payment and will not issue a credit so that can go through. We are on day XXXX and still no help or concern from them.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I recently pulled a copy of my Equifax consumer report and noticed some items reporting on my credit file that arent reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).
Consumer complaint received 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I did a refinance ( existing BoA mortgage ) with Bank of America in XX/XX/XXXX. 
XXXX agreed to was {$850.00} monthly in XXXX XXXX 
One of the Bank of America associates assisted me in setting up automatic payments. 
Part of the loan proceeds were used for wind mitigation work on the house. 
XXXX XXXX accepted the inspection report and issued a partial refund in XX/XX/XXXX. 
I contacted Bank of America and they moved {$890.00} from my checking to Escrow.

The refund was for the balance of the year, a 6-month period ending XX/XX/XXXX. 
I sent BoA a revised lower insurance premium Declarations Page from XXXX XXXX. 
I received an email from BoA stating my mortgage payment is now {$5.00} HIGHER. 
If I did not tell Bank of America, per their associate, my payment would not have changed. 

I need some assistance. I do not understand, and Bank of America has not offered a clear explanation, how the insurance can go down and an advance payment made to escrow can have a NEGATIVE effect on the monthly payments.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NY)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that Equifax will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX Bank # XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, Starting in XX/XX/2022, I have sent multiple letters to XXXX, XXXX, and TransUnion regarding an incorrect name on my reports. Nearly 6 months later and that name has not been removed. 

If any erroneous and/or derogatory accounts are added to my reports under this name, it will have a massive impact on my credit scores. For this very reason I have been trying to resolve this directly with the bureaus, with no luck and NO RESPONSE. 

I find this completely unacceptable and may result in pursuing legal action if this is not remedied IMMEDIATELY. I have attached a screenshot of the personal information on my reports.
Consumer complaint received 2024-11-01
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. (GA)

This accounts were charged off on the following date : XX/XX/year>, XX/XX/year> Since then the date of last activity has been inconsistently updated to all XXXX credit reporting agencies XXXX, TransUnion, and XXXX If the dates are coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. Please delete all accounts from my credit report immediately. The accounts are listed below with all relevant information. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX TransUnion : Date last XXXX XXXX : Date last XXXX XXXX : Date last XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX TransUnion : Date last XXXX XXXX : Date last XXXX XXXX : Date last active : XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally request the deletion of certain information from my credit report as I am a victim of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that the following account be blocked and deleted from my credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Account Balance : {$14000.00}
Consumer complaint received 2024-11-01
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. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX, XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, XXXX. XXXX, XXXX, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-11-01
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. (GA)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXXXXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, XXXX. XXXX, XXXX, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I XXXX proceed with my life, or I XXXX be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2022-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc (WI)

Tat and Kirlin is trying collect some mysterious debt from XXXX  that I do recognize. 

Not only is this long beyond the statute of limitations, if this company is not fraudulent, is most likely due to the XXXX identity theft scandal from the early XXXX. 

They said I contacted them therefore I acknowledged the debt was real.
Consumer complaint received 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

XXXX XXXX XXXX ( XXXX ) was hired by XXXX XXXX XXXX to inspect the XXXX XXXX, which is located at XXXX XXXX XXXX in XXXX, Florida, XXXX regard to reported damage involved in a homeowners insurance claim. XXXX XXXX XXXX, P.E., Principal Engineer, inspected the structure and site on XX/XX/2022. 
During the inspection, XXXX observed that a section of wood joists and subflooring in the family room and kitchen area had been compromised, making those members no longer able to properly support the intended loads. The observed damage is an unsafe condition that poses a danger to the occupants at the residence. XXXX recommends that access to the kitchen and a section of the family room of the residence be restricted until temporary support or permanent repair of the damaged floor framing is completed, which should be performed in the immediate future.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

They have been selling my information, which is not their place. They have also been able to furnish my credit score for me without my consent. Which is against the law according to the congressional findings 15USC 1681 ( b ) ( 2 ). They've assumed the responsibility. According to the congressional findings, under the law 15 USC 1681 ( a ) ( 3 ), congress made it clear that they have assumed this role. Also under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again i have never given them permission nor have I instructed them to furnish or create any of the things on my credit report.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

I paid my credit card off in full XXXX day late. I asked to please close the credit card since this is the only card I have to pay off each time I use. All my other cards are automatically deducted from my banking accounts. Since I asked for the account to be closed the representative became angry and did not close the account and I received a {$70.00} interest charge. I called and told them this is completely unreasonable and they said if I kept the account open they would remove the charge. I did not agree and asked them to remove the charge and close the account. I just spoke to them again months later and the account is still open and the balance is now {$330.00} all in interest charges. They told me they are send this to attorneys and I am going to be sued.
Consumer complaint received 2022-08-05
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)

I am a victim of identity theft. A criminal has used my social security number to apply for credit lines. There are numerous fraudulent credit inquiries and credit card accounts, as well as an auto loan that are fraudulently reporting to my TRANSUNION credit reporting agency. I have submitted a fraud investigation request to TRANSUNION, however they are unwilling to dispute and remove the fraudulent inquiries that are listed below. 

Fraudulent credit accounts XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account Number XXXX Fraudulent credit inquiries XXXX. XXXX  XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am disputing the fraudulent 1099 reporting submitted by Select Portfolio Servicing , Inc . I have never done business with this company. I have never received a dime from this company nor {$13000.00}. I have called this company multiple times and sent certified letters requesting clarification to no avail. This is causing me unnecessary stress as now I am facing a debt, I dont owe to the XXXX due to this fraudulent reporting. I need assistance getting this company to clear this fraudulent 1099 reporting to the XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries reported in my name due to identity theft, pursuant to the Fair Credit Reporting Act ( 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) ). I am a victim of a data breach and have been affected by unauthorized accounts and inquiries that have appeared on my credit report without my knowledge or consent. 
The following accounts should be blocked and deleted immediately as they were opened fraudulently : Accounts to be Blocked and Deleted XXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$8400.00} XXXX XXXXXXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$4300.00} XXXX XXXXXXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXXXXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$1900.00} XXXXXXXX XXXX  : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$6400.00} Inquiries to be Blocked and Deleted XXXX  : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX ONEMAIN : Inquiry date XX/XX/XXXX
Consumer complaint received 2022-08-05
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. (PA)

Today after reading the artical I notice multiple accounts and inquiries on my consumer report that was incorrect. I have spoken with Equifax supervisors and was unable to reach a resolve. 

Under 15 usc 1681 a # XXXX Equifax assumed this role without my permission, and did not have my consent. 

Under 15 usc 1682 a # XXXX. Equifax didnt exercise your grave responsibility to my privacy either by utilizing the wrong information. Equifax was unfair and partial. You did not respect my right to privacy. 

Equifax never had permissible purpose under 1681 # XXXX and I never instructed Equifax to create this report. I never consented to this report in the first place.