davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I submitted a complaint for the Bankruptcy on my credit report last XX/XX/2023. Last XX/XX/2023 I submitted a complaint for the FRAUDULENT items on my credit report but it was closed immediately. I submitted a complaint again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). This was my first time submitting a complaint for the FRAUDULENT items on my account. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (NY)

These companies accessed my credit report without my consent, which has negatively affected both my credit and credit score. Despite contacting Equifax and receiving assurances that these inquiries would be removed, they still appear on my credit report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they indicate potential identity theft, exacerbating my stress and further harming my credit score.
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. ()

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-06-01
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. (TX)

I have attached a copy of my complaint to this portal highlighting all of the inaccuracies along with a copy of my identification, credit report, and inconsistencies that Equifax is publishing. Equifax consistently VERIFIES inaccurate information which is illegal. I am proving that Equifax is not legally verifying any information.
Consumer complaint received 2023-06-01
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall 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. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (WA)

Apple Credit Card ( via Goldman Sachs ) is refusing my request to send recurring paper statements for my Apple Credit Card Account. 

I believe their policy is in violation of the E-SIGN act, and may also be in violation Truth in Lending Act. 

I have screenshots confirming this policy.
Consumer complaint received 2023-06-01
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. (GA)

XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 15 U.S.A 1681 section 602 states i have the right to privacy. 15 U.S.A 1681 section 604 A Section 2 : It also states A consumer reporting agency can not furnish account without my written instructions. 15 U.S.A 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer reporting 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.A 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 2023-06-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collections Inc (MS)

Around XX/XX/XXXX, I received a phone call from Collections, Inc. ( XXXX was the name I was given ). I discussed with her via phone call about an outstanding medical debt that she says was from XXXX and XXXX. She claimed I had a defaulted payment agreement with the hospital but I've never set up a payment plan with the hospital. She threatened to garnish my wages and even called my jobs two days later to verify I worked there. I answered the work phone and then called her back on my cell phone. That same day, a payment agreement was met between myself and Collections , Inc via phone call with XXXX. She advised that in XXXX I would make a payment on XX/XX/XXXX ( my payday ) and every payday thereafter until my balance was paid in full in the amount of {$170.00} per payment. I agreed to this. On XX/XX/XXXX, a payment was drafted in the amount of {$170.00} and I assumed all was good. On XX/XX/XXXX, when the second payment was set to be drafted, she called and advised I was in default of my payment agreement because I had not made a second payment in XXXX. I then discussed with her via a recorded call on my cell phone how I was advised I would make these payments on each and every payday until the balance was paid in full. I was still authorizing the {$170.00} to be paid on XX/XX/XXXX, but I could not double up as I had not been prepared to do so. She advised I was then defaulted and fees and garnishment would continue. I asked how can you default a payment agreement when you are agreeing to pay what you owe on the dates previously agreed upon. She stumbled over words and I asked if this statement about me having to make a second payment in XXXX was recorded and she said " It's in my notes. '' I asked if it was recorded and she replied, " No, we do not record phone calls, we would be required to tell you if we did. '' I said, " Okay, that's fine because I am recording this phone call for my records. '' She immediately replied, " Then we can no longer speak, have a great day. '' and disconnected the call. I do not understand how this is legal debt collection practice when they have no agreement from anyone in writing or via recorded call and when you try to make it right, they refuse to work with anything you offer unless it's what they want.
Consumer complaint received 2023-05-03
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the fair credit reporting act, Capital One Auto, has violated my rights.

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) states a consumer reporting agency can not furnish a report on an account without my written instructions.

15 USC 1681a ( 2 ) ( A ) ( i ) states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B states that a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-01
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: NAVY FEDERAL CREDIT UNION (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b 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 2023-06-01
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. (GA)

In accordance with the Fair Credit Reporting act 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 2024-09-09
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. (MS)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, TransUnion, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract like I requested before, the information should be removed from my credit report within 15. 

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor there any such debt in fact therefore exists. 


I was reviewing my credit report and seen some inaccuracies on my file. XXXX deleted XXXX XXXX XXXX XXXX./ XXXX XXXX XXXX XXXX due to not being able to accurately verify it so how did you? Obviosly, you did not properly conduct an investigation on this account. DELETE THIS ACCOUNT IMMEDIATELY!!! 


I have a right to bring a lawsuit! 

I need this deleted ASAP!
Consumer complaint received 2024-09-24
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. (NC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently made timely payments on this account and have worked hard to do so. It is unacceptable that a late payment has been reported. Please see the attached documents and remove this late payment from my account.
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

This complaint is regarding loan number XXXX. The account is current. Payments were made on XX/XX/XXXX of {$500.00}, XX/XX/XXXX of {$500.00}, and XX/XX/XXXX of {$750.00}. These amounts are more than the monthly loan note of {$450.00}. Bank XXXX XXXX ( BOA ) in the XXXX century eliminated any electronic method of annotating additional principal payments when paying via consumers personal ( non-BOA ) bill pay, or through their own mobile or website. So, withholding this application, BOA has taken it upon themselves to apply payments as they see fit ( or whatever means is the best revenue generating for their company ). Thus, they have inappropriately applied these payments by not reducing the principal balance, but by applying towards the next monthly payment. These actions have been submitted to BOA via their message service, however, their CSR are unable/unwilling to make the necessary adjustments that shouldve been applied initially. Their suggestion is to call, mail, or take it to a BOA location. This is the 21st century, customers shouldnt have to leave their house to have their payments applied appropriately. Every other financial institution does business this way ( applying over payments to principal balance ), this seems like a shady business practice where BOA is trying to take advantage of unknowing customers.
Consumer complaint received 2023-06-01
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: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Chex Systems ' Failure to Provide Contract and Documentation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chex Systems , Inc. regarding their failure to provide me with the necessary contract and documentation pertaining to a XXXX XXXXXXXX account that is being reported on my Chex Systems report. This issue involves an alleged incident of non-sufficient funds associated with the mentioned account. 

Despite my repeated requests to Chex Systems to provide me with a copy of the contract I signed with the bank and documentation supporting the reported insufficient funds, they have failed to comply with my request within a reasonable timeframe. This lack of cooperation is concerning and raises questions about the accuracy and validity of the reported incident. 

I believe that Chex Systems ' refusal to provide me with the requested information is a violation of my rights as a consumer. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to access complete and accurate information regarding their reported accounts. It is also within their rights to dispute any inaccuracies or incomplete information. Chex Systems ' failure to fulfill these obligations is unacceptable. According to Fair Credit Reporting Act, I may be entitled to seek damages of {$1000.00} for each violation committed. 





I am seeking assistance from the Consumer Financial Protection Bureau to address this issue and ensure that my consumer rights are protected. I kindly request your intervention in compelling Chex Systems to provide me with the requested contract and documentation in a timely manner. Their continued non-compliance should be met with appropriate actions to ensure accountability. 

I have attached a copy of my correspondence with Chex Systems, including the letter requesting the contract and documentation. I kindly request that you review these materials as part of your investigation into this matter. If necessary, I am willing to provide any additional information or documentation to support my case. 

I appreciate the Consumer Financial Protection Bureau 's dedication to safeguarding consumer rights and enforcing compliance within the financial industry. I trust that your intervention will lead to a satisfactory resolution of this matter. 

Thank you for your attention to this complaint. I look forward to a prompt and fair resolution. 

Sincerely, XXXX XXXX Attachments : Letter to Chex Systems requesting contract and documentation. 
ID Docs
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

On the day I was paid, XX/XX/2023, I tried to log in to my account to transfer my rent money, and I was not able to log in due to my account being locked. I called in and tried to get some type of understanding, and the associates were rude and hung up on my face every time I called. I have never experienced this type of customer service from an institution like this before. They told me my account was being investigated and they had no other information. I lost my purse and my account was stolen and I disputed the charges, I have never used the account for anything else. They put my account in the negative after the matter was already resolved months ago. When I called today before the woman hung up in my face, she was saying my account was in the process of being closed and all of my money is currently in this account. They have put my account in the negative to {$1700.00} and over {$3500.00} was deposited into the account from my check. My account was in good standing with {$750.00} in it before this happened on XX/XX/XXXX. I received no notice about any of this besides them sending me an email saying that my telephone banking pin was changed and I have not changed anything, then they sent me an email stating they suspected suspicious activity on my account on XX/XX/XXXX, which doesnt make sense because my account has been locked havent even been able to log in.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (MS)

On or about XXXX of 2018, I opened an account for a auto insurance policy. 

1. Records will show that I paid the full amount for the down-payment.

2. Thereafter, a number of the consecutive monthly were successfully submitted via a auto-payment from my bank.

3. The monthly payments at that time were approximately {$210.00} per month, during the initial term. 

4. When the insurance policy renewed at the end of the first term, it was increased, without my written consent, to more than {$1000.00} per month. 

5. There isn't any document which can be produced by the company that will show that I approved this egregious increase.

6. I have disputed this fraudulent claim for many years now, to no avail.

7. I ask that CFPB provide me with some assistance to remove this from my credit reports.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (FL)

I tried to apply for a credit card with TD, it went through but it was saying see SM for 2 weeks straight. I went in to see what was wrong and they said it was just a glitch in the bank with my account. I reapplied but then they said they are closing both accounts and didn't disclose the reasons as to why and they have not made a good faith effort for recompensation due to their negligence. I applied for this card on XX/XX/XXXX and I reported the problems to TD on the XXXX of XXXX.