davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
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. (NJ)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Opt-Out Notice Pursuant to UCC XXXX and XXXX XXXX XXXX Dear XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-01-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (NJ)

A solar panel company named " XXXX XXXX '' works with the loan service company " Solar Mosaic Inc. '' This loan service company is a part of their contracts for all solar panels. I had to sign the load request as a part of the finance plan for solar panels in XX/XX/XXXX and the solar panel installation plan. However, the company XXXX XXXX could not fulfill all requirements for the solar panel installation, and the account became inactive as of XX/XX/XXXX ( one year ago ). However, the loan service company " Solar Mosaic Inc. '' started to request money back in XX/XX/XXXX when no conditions were met in the contract. I called " Solar Mosaic Inc. '', and they said the solar panel company CAN only cancel it. So, I immediately contacted XXXX XXXX and asked for loan cancellation. They promised to do cancellations in 60 days, but nothing has transformed to " Solar Mosaic Inc. '', and this loan service company called to ask for money. We appreciate it if this issue could be resolved.
Consumer complaint received 2023-12-31
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. (NY)

Transunion, Reviewed all my data listed below on my credit report, and listed information is inaccurately & incorrectly being reported on my Transunion credit report. 
I understand that as per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my identification and current address to avoid any delays in your response time. 
Please delete inaccurate inquires listed below : 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 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

On XX/XX/2023, I received LexisNexis consumer report via mail after requesting it online. To my dismay, LexisNexis is reporting many dishonest and incorrect information on my consumer report. They are in direct violation of the Fair Credit Reporting Act 15 U.S.C. 1681. I am in fact a victim of the XXXX data breach which was beyond my control ; attached you will find tangible proof of this, a signed and notarized Affidavit of Identity Theft which affirms that what I am disputing is true and accurate, and a FTC report notifying them of LexisNexis fraudulent reporting of my personal information.
Consumer complaint received 2023-12-31
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. (IL)

Hello I'm reaching out today because it has come to my attention 2 educational student loan accounts are currently reporting on my consumer report that myself or my parents did not authorize or review before funds were released on my behalf. This is a direct violation of 20 USC 1232g ( b ) under the Family educational rights and privacy act because my parents were not allowed to review the private education records before deciding if they wanted the information to be released to the public. I'm requesting both these accounts be deleted immediately as this is fraud under 12 CFR 1022.3 since XXXX XXXX and transunion do not have authority to report these vital records.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

On XX/XX/2023 ChexSystems mailed me my consumer report. To my dismay, they are reporting negative accounts and items such as XXXX XXXX payment history, XXXX XXXX, XXXX XXXX, Unavailable retail item history and insufficient data inquiry activity same fi. I am in fact a victim of the XXXX data breach and therefore have had many negative accounts reporting inaccurately. Attached is tangible proof that I am a victim of identity theft, an Affidavit of Identity Theft signed and notarized, and my Federal Trade Commission fraud report against ChexSystems.
Consumer complaint received 2024-11-11
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 disputing the inaccurate repossession remark on my credit report and am requesting its removal. The information provided does not accurately represent the details of this account. Attached is documentation supporting my claim that this repossession remark is erroneous. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to ensure the accuracy of all information on my credit report. By keeping this inaccurate repossession information on my report, your agency is not fulfilling its legal duty. I request that you remove this repossession remark promptly to maintain the accuracy and integrity of my credit rep
ort.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The derogatory rating on my account has directly caused loan denials and increased interest rates on my existing credit accounts. This inaccurate rating must be deleted and blocked from reporting to all three consumer reporting agencies immediately, as required by law.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CT)

I  DO  NOT BELEIVE  THAT  NAVY  FEDERAL  HAS  ACTED  WITH  MALICE  TO  VIOLATE  CONGRESS  LAW  INTENTIONALLY. THIS COMPLAINT IS TO SHOW THE CONSUMER FINANCIAL PROTECTION BUREAU OF MY NOTICE TO NAVY FEDERAL  OF THEIR UNLAWFUL FURNISHING OF MY PRIVATE TRANSACTIONAL INFORMATION THAT CONGRESS DEMANDS BE EXCLUDED FROM A CONSUMER REPORT UNDER 15 USC 1681a 2 ii  AND 16 CFR 313 WHICH IS ALSO A VIOLATION OF MY PRIVACY PER THE PRIVACY ACT OF 1974  AND THEIR DUTIES UNDER 15 USC 6802.------------------------------------------------------------------------------------------------------------------------------------------------------------------------------NOONE CAN FORCE OR ASSUME CONSENT----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------THIS NOTICE IS TO MAKE THE CFPB AWARE THAT NAVY FEDERAL  HAS BEEN MADE AWARE OF THEIR  ACTS AND HAS BEEN DEMANDED TO CORRECT THEIR  ACTIONS-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------SEE ATTACHED LETTER-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ALL FUTURE COMMUNICATIONS AND ANY REFUSALS TO DO WHAT IS RIGHT WILL BE KEPT AND RECORDED FOR EXHIBIT PURPOSES TO PROOVE WILLFUL NEGLEGENCE AND HARM TO THE CONSUMER AS WELL TO PROOVE AND SHOW A TOTAL DISREGARD OF THE CFPB AND AND DISREGARD OF NAVY FEDERAL OBLIGATIONS UNDER 15 USC 6801
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

THIS COMPLAINT IS TO SHOW THE CONSUMER FINANCIAL PROTECTION BUREAU OF MY NOTICE TO BANK OF AMERICA OF THEIR UNLAWFUL FURNISHING OF MY PRIVATE TRANSACTIONAL INFORMATION THAT CONGRESS DEMANDS BE EXCLUDED FROM A CONSUMER REPORT UNDER 15 USC 1681a (2) (ii)  AND 16 CFR 313 WHICH IS ALSO A VIOLATION OF MY PRIVACY PER THE PRIVACY ACT OF 1974 AND THEIR DUTIES UNDER 15 USC 6802.------------------------------------------------------------------------------------------------------------------------------------------------------------------------------NOONE CAN FORCE OR ASSUME CONSENT!----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------THIS NOTICE IS TO MAKE THE CFPB AWARE THAT BANK OF AMERICA  HAS BEEN MADE AWARE OF THEIR FRIVILOUS ACTS AND HAS BEEN DEMANDED TO CORRECT THEIR ACTIONS-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------SEE ATTACHED LETTER-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ALL FUTURE COMMUNICATIONS AND ANY REFUSALS TO DO WHAT IS RIGHT WILL BE KEPT AND RECORDED FOR EXHIBIT PURPOSES TO PROOVE WILLFUL NEGLEGENCE AND HARM TO THE CONSUMER AS WELL TO PROOVE AND SHOW A TOTAL DISREGARD OF THE CFPB AND AND DISREGARD OF BANK OF AMERICA OBLIGATIONS UNDER 15 USC 6801
Consumer complaint received 2022-10-26
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: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/2022 approximately 6 months ago XXXX XXXX XXXX, the original creditor opened an or placed an account for collection without my knowledge! I was receiving phone calls after phone calls from a collection agency that at the time I had no knowledge of. On XX/XX/2022 MIDLAND CREDIT MANAGEMENT revealed themselves on my credit report with a balance of {$480.00}. I am being taken advantage of by XXXX, XXXX, and XXXX. These three companies are violating my rights given to me by the FCRA ( Fair Credit Reporting App ). I DID NOT give them permission to access my NON PUBLIC PERSONAL INFORMATION nor did I CONSENT for them to furnish anything on my consumers report. According to 15 USC 1681 ( b ) ( 2 ) my permission is needed for ANY PERSON to access or furnish anything on my consumer report! Yet once again that permission was not granted by me. Not only are inquires being reported without due cause, but my rights to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 USC 1681 ( a ) ( 4 ). I demand that each and every item I disputing to be removed. There is no way any person can validate fraudulent activity! Due to my identity being used without my consent this is basically theft as defined by 18 USC 1028 ( a )! Please remove all request as soon as possible. Thank you!
Consumer complaint received 2022-10-26
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. (CA)

I contacted all 3 bureaus after discovering some accounts that were not correct. I asked them to do an investigation and verify the information. I sent in a letter to Experian, XXXX, and XXXX containing the accounts along with my verification of my identity a bill my id and my ss number card. The accounts came back verified, which is incorrect I never had any dealings with XXXX XXXX and the XXXX account was paid three years early in full, this is really affecting my credit score and it is inaccurate 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 2022-10-26
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Personal Information for Equifax NAME : XXXX XXXX O XXXX My name is XXXX XXXX. Please remove any name you have in your system that does not match XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX It is imperative that you remove any address in your system which does not match my address listed on this letter. My only address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Revolut Technologies Inc. (MA)

On XX/XX/XXXX and XXXX, a series of fraudulent transactions were billed to my debit card that drained the balance of my account. I filed a chargeback form with Revolut for all of these fraudulent purchases on the XXXX of XXXX. The first fraud transaction was billed to a small enterprise in XXXX, XXXX. I called the owner of this store who mentioned that a wave of fraudulent transactions with stolen card data was used that day through his e-commerce site. Immediately after this first fraud transaction for about {$6.00}, a series of transactions to XXXX for each XXXX yuan were made every two minutes. I have never been to XXXX or given my card details to anyone. On the XXXX, a transaction to XXXX XXXXXXXX XXXX was made for {$11.00} in the morning. After this payment went through, the same thief from XXXX made another XXXXevery two minutes to drain my account. I will attach my transaction list to this claim. The thief tried to make multiple purchases once my account was empty. 

I filed the chargeback claims with Revolut on the XXXX and the bank is only refunding me for the XXXX, XXXX purchase and the XXXX XXXX XXXX purchases. Revolut claims they found no evidence of fraudulent charges relating to the payments to XXXX. I asked Revolut to provide the documents used to make this decision as the EFTA Regulation E provides that right to consumers. Revolut has refused to give me these documents stating that goes against " regulation ''. 

I am concerned that Revolut failed to run a proper investigation into my fraudulent claims. I believe the EFTA grants me the right to see how Revolut claims the payments were not fraudulent. I am attaching the four documents below : 1. Debit card transaction list detailing fraud claims 2. Revolut 's initial notice stating my chargeback claims were invalid 3. All communications with Revolut 's customer service refusing to provide me the requested documents 4. Revolut 's response to my formal complaint sent to its headquarters asking for the documents I hope you can see from these documents that Revolut is acting unfairly by not explaining how they think the payments to XXXX are valid and issued by me. I have lost over XXXXXXXX XXXX from fraud and hoping to get any of this back.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (CA)

This is my old complaint # XXXX, I was emailed by Aspire that I will get prorated annual fee refund and the positive balance I had on the card total about {$92.00}, well I was told I would receive a check in the mail within XXXX business days, 17 days had gone by no sign of a refund. Please help