davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
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. (AL)

The are inquires on my credit report that isn't attached to an open account.

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MS)

I am writing to express my deep concern regarding your company 's practices, which appear to be in direct violation of 15 USC 1666b, a crucial consumer protection law. This statute aims to safeguard consumers by ensuring transparent and fair business dealings. It is disappointing to observe that your company 's actions do not align with the provisions of this law. Specifically, the law mandates clear and accurate disclosure of terms, fees, and other relevant information pertaining to consumer transactions. It is disheartening to note that your company has failed to adhere to these principles, thus potentially subjecting consumers to unfair and deceptive practices. I kindly demand that your company takes immediate corrective action to ensure compliance with 15 USC 1666b. Failure to do so would leave me no choice but to explore legal avenues to address this matter, which could include initiating litigation against your company. I hope we can resolve this matter promptly and amicably, upholding the rights and protection of consumers as intended by the law.
Consumer complaint received 2023-01-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Per FCRA section 15 U.S.C. Sec. 1681i the bureaus are suppose to investigate in a timely matter, let me know they are investigating and respond before 30 days. I've sent letter after letter after letter since XXXX and still there's no word from the bureaus. There nothing but inaccuracies all over my report and they are not trying to fix it nor delete. I'm really upset because it's stopping me from doing what I need to do for my family when it comes to credit
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX XXXX, XXXX, and TransUnion were requested by me the consumer to correct inaccurate loan information and inaccurate reporting of payments, as well as, place XXXX XXXX XXXX XXXX into a dispute status as the company has defaulted on their administrative process and failed to verify the debt. Serviced registered mail, return receipt through the United States XXXX XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX. According to the Administrative Procedures XXXX we have a contract and they have no claim to the account and it must be deleted immediately on request from the consumer. XXXX, XXXX, and TransUnion sent me an updated report 10 days later which reflected that they verified the debt with XXXX XXXX XXXX, which I could not do. I sent them the attached letter on XX/XX/XXXX certified mail, return receipt as evidenced, as an attachment. I demand that XXXX, TransUnion, and XXXX in accordance with the Fair Credit Reporting Act, 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) to present to me the physical verification of the original signed consumer contract signed by me the consumer. Federal laws gives them 15 days to present this to me and they have failed to do so. It is confirmed that the account can not be lawfully verified and as such must be removed from the consumers credit report immediately. This is a gross violation of my privacy and against the privacy act of XXXX. I expect my credit reports to reflect this change in accordance with Federal Law. If this is not corrected I will bring this issue to the Attorney General and Comptroller of Currency and start collections according to what is allowed by Federal Law.
Consumer complaint received 2023-08-30
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, and XXXX XXXX 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 2023-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NJ)

Opened up my business and tried to get business bank accounts. I tried CHASE, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I found out that accounts were opened at CHASE XXXX XXXX XXXXXXXX AND XXXX in my name without my permission. I had identity theft when I got robbed before. I can not run my business with bank accounts. Each time I went into the banks I was told I would receive a paper in the mail that would help with fixing this. Its been years nothings change.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In XXXX XXXX BOFA sent me balance transfer offers for both my credit cards, which I took advantage of. In XX/XX/, I received notices that BOFA closed both my credit cards due to increase in balances on one or more credit card, sudden increase, and increase in utilization. I took advantage of offers given to me, and was penalized for taking advantage of them. Never had I had an delinquencies or lates on my credit or credit account. In XX/XX/, they invited me to open up a new credit card with them. 

I asked my attorney to write a letter on my behalf to BOFA, and they said all they can do is ask me to apply to open up a new credit card. 

I feel this is unfair trade practice where they entice me to take advantage of an offer, and then they closed my card, which affected my credit report.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NE)

Between XX/XX/XXXX and XX/XX/XXXX my apartment was broken into and everything stolen including car, clothes, laptop, wallet and phone. I was XXXX  during this time and was only aware of money stolen frome XXXX  due to fact I was XXXX  during this time. I made the original police report on XX/XX/XXXX from inside the XXXX XXXX  with help from XXXX XXXX there. When I was released and able to access statements I saw cashapp had XXXX transactions as well during this time XXXX on XX/XX/XXXX to the amount of XXXX to an XXXX  XXXX whom I have never heard of nor do I know. I gave both XXXX  and cash app police report and contact info as well as statement from XXXX  confirming I was in XXXX  during that time. I did not give anyone password, phone code or permission to use any of my banking cards nor to take my money. All calls and correspondence from XXXX  are monitored and it is easily proven I did not authorize anybody. I have filed disputes and they have refunded the XXXX smaller transactions however refuse to refund the {$880.00} claiming no error occurred. I do not know who stole my things nor did I ask them to steal from me. Yesterday yet again claim was denied due to their claim it was completed by me while I was XXXX  and unable to do so.
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. (NY)

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) like Equifax, XXXX and XXXX have a responsibility to respect the privacy of consumers and only share their information with their consent. 

I am a consumer, and I have the right to make sure that my private information is not shared without my permission. 

The FCRA states that CRAs may only furnish consumer reports " in accordance with the written instructions of the consumer to whom it relates. '' ( 15 USC 1681b ( a ) ( 2 ) ). 

However, neither Equifax, XXXX nor XXXX has my written consent to furnish my information. 

Therefore, I am revoking any and all consent that I have given to these CRAs, whether verbal, non-verbal, written, implied, or otherwise. 

The FCRA also states that financial institutions may not disclose nonpublic personal information to non-affiliated third parties unless the consumer is given an explanation of how to exercise their nondisclosure option. ( 15 USC 6802 ( b ) ( c ) ). 

However, the financial institution that furnished my information to Equifax, XXXX and XXXX never informed me of my right to exercise this option. 

In addition, the FCRA prohibits CRAs from making consumer reports that contain " any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' ( 15 USC 1681c ( a ) ( 5 ) ). 

However, Equifax, XXXX and XXXX are reporting an adverse item of information about me. 

This is a violation of the FCRA. 

Finally, the FCRA requires CRAs to maintain " reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' ( 15 USC 1681e ). 

However, Equifax, XXXX and XXXX are not maintaining reasonable procedures. 

They are repeatedly furnishing my information without my consent, and they are furnishing information that is more than seven years old. 

This is a violation of the FCRA. 

I am opting out of Equifax, XXXX and XXXX reporting services. 

I demand that they immediately remove my information from their databases and cease furnishing my information to any third parties.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

In accordance with the FCRA this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (CA)

Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - 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 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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: PRESTIGE FINANCIAL SERVICES INC (TN)

Inquiries made on report from companies that I am not aware of and its impacting my credit profile. I need these inquiries removed as I have filed and Identify Theft report with Identitytheft.gov
Consumer complaint received 2023-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

I received a notification on XX/XX/XXXX from Affirm informing me that they had locked my account. When I spoke to a Customer Service Representative, they said, my account was locked due to suspicious activity. The rep asked for identification information, first and last name, address and social security number. The representative informs me that affirm will email me the next steps. On XX/XX/XXXX, I receive an email with a link from affirm to submit my Driver License and a live picture of my self. The email states that the security and fraud team reviews results 1-4 business days after submitted. Since XX/XX/XXXX, no one from Affirm has contacted me. Ive called customer service by phone on : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. Ive emailed them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have never received a reply. The email address they provide to consumers is : customercare @ affirm.com. Every time Ive called Affirm its a struggle to understand them as most speak a different language than XXXX. I have been told over and over again I cant help you, the appropriate department is processing your case, your account was compromised. I have been told that it should only take XXXX business days to resolve. As of XXXX, its been beyond the time frame. In addition to, I have to make my payments over the phone due to not having access to their website or the app. I feel that I am not being treated fairly. I am the consumer and if indeed theres a security and fraud issue on their end, with their system of support, I should not be denied access to my loan accounts. I am not able to view any information including personal information that I have provided to affirm when opening an account in XXXX.
Consumer complaint received 2023-09-06
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

In accordance with the Fair Credit Reporting act Genesis Credit Management, 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 A collection account status also can not be OPEN. I, as a consumer have rights to 100 % accuracy of my credit report
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am victim of identity theft and I am requesting for Experian to delete and remove these fraudulent accounts immediately. I have included a copy police report to this correspondence. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
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. (TX)

I am writing to dispute the information on my credit report related to two auto loans for the same vehicle. My credit report shows that I have two separate auto loans with two finance companies, XXXX XXXX and XXXX XXXX XXXX, for the same vehicle, which is inaccurate and has a negative impact on my credit profile. 



I purchased the vehicle from XXXX XXXX and financed the purchase through them. However, without my knowledge or consent, my contract was later sold to XXXX XXXX XXXX, and they are now incorrectly reporting a separate auto loan entry on my credit report. 



I have never entered into any contractual agreement or authorized any loan with XXXX XXXX XXXX. I only have one valid auto loan with XXXX XXXX, and I have been making timely payments as per the terms of our agreement. 



I request that you investigate this matter and remove the erroneous entry of the auto loan from XXXX XXXX XXXX from my credit report. I have attached copies of relevant documents, including the original contract with XXXX XXXX, as evidence to support my dispute. 



Please provide me with written confirmation once the investigation is complete and the incorrect entry has been removed from my credit report. Additionally, I request that you update my credit report to accurately reflect my actual credit history. 



I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and I expect you to comply with the FCRA guidelines throughout the investigation process. 



Thank you for your attention to this matter. I look forward to a prompt resolution. If necessary, I am prepared to take further legal action to protect my rights and creditworthiness. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to submit a formal complaint regarding inaccurate information on my credit report as reported by TransUnion. On XX/XX/XXXX, I contacted TransUnion to dispute the following inaccuracies on my credit report. However, to this date, I have not received a response from them. I am providing the details of the incorrect information and the required corrections below : The following account is not mine : XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} ). Please remove it from my credit report. 


The account XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$250.00} ) has inaccurate evidence. The XXXX of {$250.00} reported by TransUnion does not correspond to the lower amount that I remember. The XXXX XXXX amount should not be provided for a closed account that was charged-off. As this misinformation has significantly affected my credit reputation, I plan to resolve this matter with my creditor. Until then, I request that TransUnion marks this account as disputed to prevent further damage to my credit score. 


The account XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$1500.00} ) is inaccurately reported. The XXXX amount of {$1500.00} is inflated and incorrect. I believe that the amount owed is lower than what is reported. Additionally, TransUnion 's inclusion of a Past Due amount for this closed and charged-off account is inaccurate. I intend to address this issue directly with the creditor to rectify the misrepresented information. Therefore, I request TransUnion to mark this account as disputed until a resolution is reached.