davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
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. (TX)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-06-23
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: Experian Information Solutions Inc. (FL)

I would like to submit a formal complaint for the mishandling of my report that has left me in dire calamity by the credit bureaus after multiple requests to have these accounts removed over the years to no avail. The most recent request was that I be provided with any verification or proof of the original contract for accounts that are negatively impacting my score and have not received anything, yet they have updated the account further impacting my score. This does not make sense when all three reports are filled with inaccuracies if the bureaus are claiming to have completed a thorough investigation as required by law and according to the FCRA, all information must be 100 % accurate or it must be deleted. 

Due to the data breach within the credit bureaus along with misinformation that is listed on these reports such as addresses I have never lived at, wrong social security numbers, wrong phone numbers and wrong names it is my strong belief that my identity has been compromised and that this information must be removed immediately as pursuant to 15 USC 1681c-2 ; consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days. 

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 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file.

I hereby seek to exercise my full rights and demand to have the accounts listed below removed entirely from my report promptly. In addition, I am also requesting all late payments be removed from XXXX  loan accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022, I returned a rental vehicle after hours to XXXX XXXX XXXX. Immediately after, the truck was stolen and missing for XXXX days then recovered by XXXX. As a result of this, XXXX charged an additonal {$2400.00} to my Capitol One bank account. I had also purchased the waiver that protected me from theft and " loss of use '' charges. During the XXXX  days the vehicle was missing, XXXX made NO attempt to contact me regarding the vehicle being overdue. I had no knowledge of this incident until a XXXX tow truck driver called me on the XXXX to inquire about the missing keys. 

I filed a dispute with Capitol One ( twice ) but because XXXX provided a fabricated receipt, they did NOT reverse the charge. 

I also contacted local authorities in regards to the theft but because the vehicle was not in my possession at the time of the incident, I could not file a report. XXXX would have to do it and they have refused. 

XXXX has also refused to honor the waiver I purchased because I did not make arrangements with the location for the after hours drop off. XXXX considered this a violation of the terms and conditions and voided the waiver. However, XXXX also made it *impossible* for me to follow through on this because I made MULTIPLE attempts to contact the location over the course of XXXX days and no one ever answered. Their neglect was the reason my waiver was voided. 

I followed all of XXXX 's posted instructions for an after hours drop off. The vehicle had no evidence of a break in so its clear the keys were still able to be removed from the drop box ( which had clear evidence of tampering ). Their security systems were also not functional at the time of the incident so there was no way to see exactly who took the keys/vehicle or when. Or to even prove I returned it at all. 

As a consumer, I find this situation to be completely unfair. XXXX 's inability to maintain a secure premesis and neglect of a business phone is not my fault. I should not be the one paying for this.
Consumer complaint received 2022-06-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank said they will issue temporary credit XXXX $ at XX/XX/2022 ( they never did ) I won a fraud claim but bank didn't return the fraud money XX/XX/2022 ( it's still in my statement ) Bank Added 8 more charges under the name Fraud Dispute and it's ok ( but the problem is that the charges they added are still in the statement so now I own them more money it's a duplicate ) Tried speaking to Fraud Department 2 times at XX/XX/XXXX but the first one did get what's going on and told me the only way to resolve this is me calling each merchant one buy one then dropped the call. 
The second one said she'll reopen the case and she said she will add heavy notes but the problem is that since this fiasco started that's all they tell me and nothing really happens. Im waiting for her to reopen the case but it seems like she ran away too. 

I have no idea what to do now. If you check the account including all my payments bank of America actually owes me XXXX $ + but then now I owe them XXXX $ it's insane.
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX violated my righs.

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.

please remove
Consumer complaint received 2022-06-23
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)

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I recently received communication from you attempting to collect the above-listed alleged debt. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification, Validation and proof that this alleged Debt is mine and In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe.

Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Consumer complaint received 2022-06-23
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)

I have recently obtained a credit report due to my application being denied for a new apartment, upon going over my report I noticed a few derogatory marks, including unauthorized inquires. I have not authorized the items that have been reported. I have done my best to try to fix this with credit repair services, the credit collection companies themselves and still nothing has given. This has become an absolute financial burden as I am a single mom and I have invested all the time and money I could to get this hindering problem away.
Consumer complaint received 2022-06-23
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX violated my righs. 

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.

please remove
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I filed numerous complaints with Equifax that the information on my mortgage was incorrect. I have a mortgage thru XXXX since XXXXEquifax stated that the bank XXXX with my mortgage gave them the info., but XXXX states Equifax did not contact them or they would have explained that in XX/XX/2020 I filed a interest rate refinance and that all payments were on hold during this time. I have a FHA Mortgage and it was 4 months until it was completed. Equifax showed this as missed payments. Equifax did not contact XXXX for verification, but I did. This seems to be a problem with Equifax when I declined to purchase there credit reporting. They took my credit score and dropped it XXXX points when my score should have went up, not down.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a bank debit card in the mail for a bank account that I never opened nor have done any business with that bank. I called Bank of America and finally got a representative that then transferred me to their identity theft department and was on hold for over an hour and then the call was disconnected. I am attempting to contact someone again.
Consumer complaint received 2024-08-24
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)

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX and remove 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 a few XXXX credit card accounts. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XX/XX/XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME :XX/XX/XXXXXXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXX ) ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XX/XX/XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXX/XX/XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress and financial hardship. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and # ( XXXX ) as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Consumer complaint received 2022-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Rushmore Loan Management Service in the following account fraudulently claimed to pay my XXXX XXXX insurance through a mandatory escrow account. 

Loan Number XXXX Borrower XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX CA XXXX I have just confirmed this with XXXX XXXX and confronted XXXX XXXX with Rushmore today, but they refused to answer any questions in writing. 


Insurance policy in question : due " Before : XX/XX/XXXX '' XXXX XXXX Policy # : XXXX Policy Description HOMEOWNERS POLICY Location XXXX XXXX XXXXXXXX XXXX Bill Detail Coverage Period XX/XX/XXXX - XX/XX/XXXX Total Amount Due {$2200.00} Rushmore 's Evasions today : " XXXX PM XXXX XXXX I suggest to call our insurance department directly at XXXX to verify the status of the insurance payment. '' When I insisted on a written response and warned that I would file a CFPB without such : " XXXX PM XXXX XXXX I'm really sorry but as much as I would like to provide you the information you need, I can't as I don't have the complete access on it. '' Rushmore soon thereafter closed the communication : " The operator has ended the chat. Thanks for contacting us. ''
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (MD)

In accordance of the fair credit reporting act XXXX account number : XXXX account name : XXXXXXXX XXXX XXXX XXXXXXXX account number : XXXX account name : us dept of education account number : XXXX account name : XXXX 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 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-24
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. (MO)

I have contacted the credit Bureaus about inquiries that I didn't authorize on my consumer report and I called and requested for all XXXX Bureaus over the phone to have them removed. Upon checking my consumer reports I see the inquiries still reporting on my credit report and they haven't been removed I do not have a open account with any of these inquiries I want them deleted immediately. 
XXXX XXXX transunion XXXX transunion XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXXtransunion XXXX XXXXtransunion XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX transunion XXXX XXXX XXXXtransunion XXXX XXXXtransunion XXXXXXXX XXXX XXXXtransunion XXXX = XXXXtransunion XXXX. XXXX XXXX XXXXtransunion XXXXtransunion XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX  XXXX XXXX transunion XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX transunion XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX transunion This is a list of the names of the creditors, the dates of the inquiries and the Bureaus that are reporting the inquiries that I didn't authorize I have contacted each consumer reporting agencies to delete these inquiries but it hasn't been completed as of today 's date of XX/XX/year>
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (IN)

Sent a letter to Experian requesting to receive validation of XXXX  medical collection accounts on my credit report. The accounts are inaccurate and unverifiable, they also are a violation of my HIPAA rights. XXXX deleted the inaccurate accounts. Experian ignored my requests and did not remove/delete the accounts.
Consumer complaint received 2022-06-23
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. (MI)

I submitted a dispute for all my accounts in XXXX of XXXX, subsequently the XXXX XXXX XXXX XXXX  XXXX was disputed as well for inaccurate reporting. Although, I disputed the type of account and the way the information was reported in the payment history. I have attached a copy highlighting this erroneous furnishing. Please look at how the months of XXXX of XXXX goes from a 120 days late to 90 days late then back to 120 days.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MN)

I reported fraudulent transactions to Discover and disputed it. However on XXXX, XXXX and XX/XX/2018. They are reporting that I was late on payments. I was never late on payments for this card. I am requesting Discover correct this mistake as it has advesrly affected my credit opportunities. Discover has been non-complant thus far.
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account : XXXX Balance on XX/XX/XXXX {$1800.00} Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX has violated rights of privacy.

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting acengy can not furnish an account without my written instructions.
Consumer complaint received 2022-06-23
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. (IN)

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE 2 COMPANYS HAS VIOLATED MY RIGHTS 15 U.S.C SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C SECTION 604 A SECTION 2 .IT ALSO STATE A CONSUMER REPRTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-06-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

My wife and I had a vehicle loan through XXXX. We paid the loan in full on XX/XX/2021. It took two months to report hers correctly but they still havent fixed mine.
Consumer complaint received 2022-06-23
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. (CA)

I have been aware for a long time that i have been a victim of identity theft. The bureaus have been no help. I have been trying to remove these negative, fraudulent accounts on my credit report and the bureaus refuse to budge. After a while i got in contact with a nice lady in the credit bureau an she instructed me to get a police report. That's exactly what i did and i have now included it in my complaint.