davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (TX)

This complaint is to inform the CFPB that I am in receipt of the correspondence from Equifax Confirmation # XXXX dated XX/XX/2022 in regards to the former complaint to The CFPB number XXXX submitted on XX/XX/2022. 
The companys reply is unresponsive to my request. 
I specifically requested proof of my consent in relations to the following accounts on my credit report ; THE BANK XXXX XXXX  Partial account number XXXXXXXX XXXX XXXX Partial account number XXXX The Fair credit Reporting Act gives them 30 days to properly respond to a Consumers request. They have until the XXXX of XXXX to properly respond to my original complaint or permanently remove the items from my credit file. 

15 U.S. Code section 6802 - Obligations with respect to disclosures of personal information A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party, any non-public personal information, unless such Financial institution provides or has provided to the Consumer. 

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. 
XXXX has failed its legal responsibility to protect my privacy by continually stalling to adhere to my request. This is a complete infringement of my right to privacy. 

The GLBA privacy rules, as enforced by the various regulators, generally require : Clear and conspicuous notice of the financial institutions information-sharing policies and practices, including what information it collects and with whom it shares the information. Covered institutions may use a model privacy form published by regulators as a safe harbor. The privacy notice must be provided when a customer relationship is established, and annually thereafter unless the financial institution does not engage in any sharing for which customers have the opportunity to opt out and there have been no changes in policy or practice since the previous privacy notice.4 Providing customers the right to opt out of having their nonpublic personal information shared with nonaffiliated third parties, subject to a number of significant exceptions, including for joint marketing, processing consumer transactions, and service providers. Financial institutions must process opt-outs within 30 days.
Consumer complaint received 2023-07-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have notified chime and also been notified by emails as well of my SSN, dob and personal information has been use on two bank accounts that's is FDIC insured with the government. The name of the bank I'm with is XXXX. I'm not sure how my information was use on XXXX different banks but my account is under my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this other account I don't have the phone number right away but it is on the XXXX XXXX works account or check free score which shows many records of multiple things of my information being use. I filed a federal trade commission and consumer financial report as well. I am a gold metal olympican of XXXX '. 
I filed a complaint with XXXX XXXX and XXXX XXXX for himself of being the first as right now. I have not heard anything back. 
I did filed a mandamus petition in XXXX XXXX ga courts for a criminal case XX/XX/XXXX which was filed on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX I'm not sure why my first offender isn't there anymore but I do know chime open XX/XX/XXXX. The same month chime open and I taken my conviction in XXXX XXXX XXXX not sure if it has anything to do with that XXXX XXXX investigation but I don't think it's fair for me as a young XXXX entrepreneur from XXXX MI trying to do what's right. I'm a Olympican gold metals of XXXX ' in XXXX for basketball and I want something to be done about this Lawyer XXXX XXXX XXXX XXXX Ga I been having a hard time opening cd accounts brokerage trade account and etcs
Consumer complaint received 2023-01-04
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (PA)

Was apart of a class action lawsuit against M & T for illegal car repos and was awarded money. Was told that they were not to report anything negative on credit report. Car has been paid off since XXXX, 2022, however, still reporting a repossession on my credit report every month and late payments, when the account has been paid off and closed. This must be removed immediately.
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IN)

One of our accounts with portfolio recovery was already closed in our favor for fraud we sent in all the things and while we were doing that we found out there is another case that they have They said that we would have to contact the lawyers office that represents them and when I did, the lawyers office was rude and noncompliant XXXX XXXX XXXX XXXX not sure when this went into effect its synchrony bank. I dont know the amount.
Consumer complaint received 2024-11-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (TX)

I received notification via a debt collection email for XXXX XXXX XXXX and Credit Control LLC pertaining to a debt owed to XXXX for an account that was closed in XX/XX/XXXX. I requested from both debt collection agencies itemized statements for charges dating back to XXXX and neither provided the documentation for that time frame. I received statements dating back to XX/XX/XXXX from Credit Control LLC in regards to the account but they are not itemized and do not show what the charges were for dating back to the account closure in XXXX of XXXX. I have also undergone numerous credit checks and background investigations to which no derogatory information had come up for an account in arrears from XXXX. I dont know how XXXX can get away with sending in a debt collection when I received no documentation from them stating there was a balance.
Consumer complaint received 2022-09-02
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. (GA)

I have asked Equifax to fix and correct the errors on my report. I have contacted the compaines that are reporting the Inquiries and they have told me to contact Equifax. Equifax has been so rude and not understanding. They told me to get a police report, I told them no. I'm asking again before I get the attorney involved, please removed all Inquiries from the following companies- XXXX XXXX XXXX XXXX  ( This is on my credit XXXX times ) XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Shellpoint Partners, LLC (WA)

On XX/XX/24, I applied for a home equity to pay some credit cards. To reduce debt and just have one mortgage instead of multiple credit cards. However, the company charge me {$52.00} to run credit check which is okay. 
XX/XX/24, I was charged {$750.00} which was originally written and stated that it will only cost {$50.00} as they can do a drive by. After a week I was notified that they are not able to XXXX XXXX by and need to charge me {$750.00}. Which I, hesitated to say yes, but due to the process and credit check fee etc, I said yes. 
XX/XX/24 I got a call from underwriter XXXX XXXX to freeze my current XXXX heloc for them to be able to pay it off. This XXXX heloc ( 8 % interest ) was not part of the plan to pay off but the credit cards thats up 22 %. It does not make sense for anyone to pay loan fees and pay off 8 % to 9.75 %. I asked why this was not communicated to me and I was told I only have two option to approve or reject it. I rejected it and requested the {$750.00} appraisal that I paid as I feel like they did not do their due diligence in checking eligibility and now I further accrued more debt, not to mention because of the hard credit check my score went down and I'm getting phone calls every 5 minutes from all over the world. 
The issue was XXXX holding a lien on my mortgage and for them to approved my loan they need to clear that lien first. If they would have been honest and told me this from the beginning, I could have avoided all of these.

The contract that was sent to me had different numbers and I asked why that is and was told that they can edit it on their end but need my signature before they can proceed. Very sketchy process but I trusted them and now paying for it. 
I reached out to XXXX XXXX ( Mortgage Consultant ) multiple times and have not heard from him regarding a refund.
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

We filed a fraud claim on XX/XX/XXXX with USBank after my identity was stolen and we were alerted to charges on our checking account that we did not make through XXXX. Our bank issued a provisional credit to our account of {$670.00} to cover the fraudulent charge pending their investigation. 
We received a letter from the bank on XX/XX/XXXX stating that their investigation found that we received benefit from the fraudulent transaction either by receiving services and/or merchandise. We did not receive any services or products and can prove that the product in question was never shipped by the company. As such, after their denial of our claim, the bank has now reversed the provisional credit from our account and we are now over drafting our account. We live paycheck to paycheck and this is greatly affecting our ability to pay for our living expenses. 
We have sent the documents stating that this product was never shipped to us to the fax number that was given to us by the Fraud Protection representatives at the bank, sent on XX/XX/XXXX. We have also made daily phone calls to this department starting XX/XX/XXXX through XX/XX/XXXX requesting updates on review of these documents and have also requested phone calls back to us each time we call. They state they have placed a call back to us but there was no answer on our end. No voice mail had been left for us to call back to. Each time we place a request, we are told it will take 24-48 hours to hear back, but to date, we have not spoken to an investigator as requested.

It seems to us that they are assuming we are guilty but we have no recourse in which to prove innocence. 
There is no phone number that we can reach someone directly who is doing the investigation of our claim and the fraud representatives seem to only be able to enter requests. 
We have also attempted multiple times to reach the company the fraudulent charge was placed with on XXXX and they have not replied to messages. I have placed a case with XXXX as well but have not heard back. 
We need help to resolve this issue and be reimbursed for this fraud that occurred on our account with US Bank.
Consumer complaint received 2021-12-17
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. (MD)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions