davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
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. (NV)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-08-07
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. (NV)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-08-10
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. (NV)

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ) emphasizes the importance of consumer reporting agencies acting responsibly with fairness, impartiality, and a respect for consumer privacy. Transunion, XXXX, and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is protected. This right is reinforced by XXXX XXXX XXXX, which mandates that financial institutions respect the privacy of their customers and protect the confidentiality of their nonpublic personal information. As per 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written consent of the consumer. I have not given XXXX, XXXX, Transunion, or any financial institution my written consent to share my information. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. According to 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. I was not informed of this right by the information furnishers to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may include adverse information in a consumer report that is older than XXXX years, except for records of convictions of crimes. The adverse account being reported by XXXX and XXXX is without my permission and is against the law. Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. Also, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations of section 1681c and to ensure that reports are furnished only for permissible purposes. Transunion, XXXX, and XXXX are failing to maintain these procedures. Lastly, under 12 CFR 1016.7, a consumer has the right to opt out at any time. I am exercising my right to opt out of the reporting services of Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-10
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. (TX)

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$9900.00} XXXX previously submitted a dispute to Transunion regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Transunion failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Transunion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (DC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

CREDIT REPORT/FILE IS NOT BEING INVESTIGATED PROPERLY AS REQUIRED UNDER THE FCRA AND 15 UNITED STATES CODE . I have provided all the documents required on my end and these accounts are still being reported inaccuratly with fraudulent charges attached.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX THE ACCOUNT IS NOT MINE! 
I DID NOT AUTHORIZE THE XXXX XXXX XXXX ACCOUNT TO BE OPENDED! 
PLEASE REMOVE FROM MY CREDIT REPORT. 

I HAVE IDENITY PROTECTION AND THERE SHOULDNT BE ANY ACCOUNT OR INQUIRIES IN MY NAME. 

REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LoanCare, LLC (WI)

I have a loan through loan care, fha and a had a 2nd loan through XXXX  partial clam, was set to start in XXXX but sold the house XX/XX/XXXX the way this loan worked his I got up to {$20000.00} loan care took in from XXXX into an account were they would desburst itto catch me up then over the next 3 years lower my payment I used {$10000.00} of it and then the rest of it was to be sent back to hud after closing since I did not use it, as a result my title company is holding on to {$10000.00} until they get a paid in full from hud saying loan care paid it back then it would get released, now its been 2 weeks of dealing with this and loan care, no one at loan care ever tells me the same answer and right information they have lied to me and the title company, saying underwriting sent everything over to XXXX  its good to go 2 day later come to find out that was a lie nothing sent still working on it call back next day tells me still working on it they dont know whats taking so long call again tells me it could take another 30 days unacceptable they have had over 18 days to do this and yet they keep lying, I have a family in need of this money as we moved hours away with one income, had to barrow money need food in the house and repairs, I am emotionally drained and mentally I am on the phone ever day causing me lost time The company is loan care LLC
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-07
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. (SC)

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX XXXX Account XXXX without my authorization, or any permissible purpose as defined under the FCRA XXXX 
According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX XXXXXXXX Account XXXX, nor did I provide written consent for my credit report to be accessed.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (NY)

My husband and I are buying a house. We have the money for our deposit in an Ally savings account. Yesterday we found out we had an accepted offer for a house and submitted a request for XXXX $ XXXX wire transfers to our bank accounts at XXXX. We have XXXX days under contract to get the money. The wire transfers were supposed to go through today. XXXX of them went through this morning. We called at XXXX XXXX looking for a status update on the other wire and they said that they escalated our wire and that it would be done by XXXX. It was not. We called again and they said that it would have to be done tomorrow and there was nothing they could do. This is time sensitive and urgent, and they are not living up to what they said they would do for us.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

I am writing to report a significant issue concerning a recent data breach that has affected my personal information. My details were compromised, and I have discovered that my data has been used without my consent, potentially in violation of 15 U.S.C. 1681b.

On XX/XX/XXXX I was informed that my personal information, including [ specific details like Social Security number, account number, etc. ], was exposed due to a data breach at XXXX and XXXX XXXX. Despite taking immediate steps to secure my information, I have found evidence that my data was improperly accessed and used. 

Under 15 U.S.C. 1681b, which outlines permissible purposes for obtaining consumer reports, I believe that the use of my personal information without my consent may be unlawful. I am concerned about the potential misuse of my data and the impact this breach may have on my financial well-being.

I request that the CFPB investigate this matter and assist in ensuring that my rights are protected. Additionally, I seek guidance on any further actions I should take to address this situation and mitigate potential risks to my financial identity. 

Please find attached any relevant documentation, including notices from the affected company and any evidence of unauthorized use of my information. 

Thank you for your prompt attention to this urgent matter. I look forward to your response and any assistance you can provide.
Consumer complaint received 2024-08-10
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. (TN)

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.

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 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I had identity stolen and credit cards with USAA since last XXXX. They keep telling me it will be resolved but nothing ever happens. It has been 11 months and it is still not cleared up. USAA started sending my statements to Texas last XXXX and the person opened up another visa credit card. I live in California and have never lived in Texas. The person charged over XXXX on the XXXX XXXX and XXXX on the visa in 1 month. We froze the account and they are saying it was me making the charges in Texas. The person also deposited XXXX into my checking which USAA froze for 9 months. They did close the checking and said that was fraud but the credit cards are not. Please help me setting this and clear my credit. XXXX XXXX
Consumer complaint received 2024-08-10
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. (FL)

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

Experian continues to report XXXX store card despite being dismissed by XXXX  and XXXX effecting credit score and applications for XXXX XXXX referenced by them and not the other agencies.
Consumer complaint received 2024-08-10
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. (KY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXX Bank XXXX XXXX XX/XX/year> TransUnion Here I attach, along with the dispute, my fraud report that I just sent to XXXX  for the XXXX  time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity XXXX XXXX Bank XXXX XXXX XX/XX/year> TransUnion
Consumer complaint received 2024-08-10
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)

I

n 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. 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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (CO)

In accordance with the fair credit reporting act ( XXXX  XXXX ) ( account # ) XXXX, has violated my rights 15 USC 6802 which states a company can not furnish an account without my written permission, they did not have my permission to report an account even after I settled the account and paid it off. 15 Usc 1681b, 18 USC 10282A being they sold my information to a credit without my permission.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

Dear Sir/Madam, On XX/XX/year> I was a victim of fraud. A travel agent purchased a ticket for me in XXXX XXXX, his number XXXX. I paid him via XXXX. Few days later he voided the ticket, so I lost the amount of {$900.00}. I paid him and I am stuck without a ticket. My bank in Wells Fargo and I have filed a complaint with XXXX with no response so far. The money was sent to air travel XXXX. The name is XXXX XXXX. I would love to either get my money back or a replacement ticket, This is the latest fraud/scam that I was unaware of. Can somebody please look into this matter to help me further? Thank you so much,