davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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 2024-04-01
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. (VA)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-05
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. (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. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-04-03
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. (GA)

To Whom It May Concern, On XX/XX/XXXX I mail a certified letters to the credit bureaus requesting that the following inaccurate & fraudulent items be immediately investigated and Deleted in order to show my true credit history. Its been nearly 4 months now, and they still havent remove the inaccurate information or send any verification. 
I demand that the following items be re-verified and deleted from my record. I have attached the FTC report along with my SSI and Driver 's License. 

These items do not belong to me. 

Company Name : XXXX XXXX Date : XX/XX/XXXX ( Charge off ) Address : XXXX XXXX XXXX City : XXXX XXXX XXXX State : UT Zip : XXXX Company Name : DEPT OF ED/XXXX Date : XX/XX/XXXX ( Charge off ) Address : XXXX XXXX  XXXX XXXX City : XXXX State : XXXX XXXX Company Name : DEPT OF ED/XXXX Date : XX/XX/XXXX ( Charge off ) Address : XXXXXXXX XXXX XXXXXXXX XXXX City : XXXX State : NE XXXX
Consumer complaint received 2023-09-19
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. (CA)

Regarding Bankruptcy Case : XXXX Regarding Bankruptcy Case : XXXX The United States Bankruptcy Court XXXX XXXX XXXX XXXX California does not report bankruptcy proceedings, in any nature, to 3rd parties or furnish this information at all. Thus, XXXX is illegally obtaining this information from XXXX without having the information furnished to them nor ensuring if the information is accurate. Additionally, I had already requested for XXXX to permanently suppress my information from XXXX publicly facing public records data. Therefore, listing this bankruptcy and allowing that information to be furnished to XXXX is greatly harming me which is a violation under both the FDCPA and FCRA. 

There is no permissible purpose for this reporting and the illegal access of this data from XXXX. Under 15 USC 1681i this must be removed for the inaccurate and incomplete reporting that has caused me severe harm and hurt my credit score tremendously. Please remove this within 5 business days of having received this written request. Additionally, as per a violation of of rights listed in the Privacy Act, I am requesting {$1000.00} as remedy for my hardship that was endured from negative items being reported on my credit report. 

The immediate attention to this matter will be greatly appreciated.
Consumer complaint received 2023-09-19
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. (CA)

Regarding Bankruptcy Case : XXXX Regarding Bankruptcy Case : XXXX The United States Bankruptcy Court XXXX XXXX XXXX XXXX California does not report bankruptcy proceedings, in any nature, to 3rd parties or furnish this information at all. Thus, XXXX is illegally obtaining this information from XXXX without having the information furnished to them nor ensuring if the information is accurate. Additionally, I had already requested for XXXX to permanently suppress my information from XXXX publicly facing public records data. Therefore, listing this bankruptcy and allowing that information to be furnished to XXXX is greatly harming me which is a violation under both the FDCPA and FCRA. 

There is no permissible purpose for this reporting and the illegal access of this data from XXXX. Under 15 USC 1681i this must be removed for the inaccurate and incomplete reporting that has caused me severe harm and hurt my credit score tremendously. Please remove this within 5 business days of having received this written request. Additionally, as per a violation of of rights listed in the Privacy Act, I am requesting {$1000.00} as remedy for my hardship that was endured from negative items being reported on my credit report. 

The immediate attention to this matter will be greatly appreciated.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a lot of trouble with the bank because my money was being withdrawn from different companies and states, then when I talked to the bank they told me that they were going to send me a new card and sometimes they would return the money other times they won't. When I was in the process to close my account to open another in a different bank they already closed my account without any previous notice. When I called them to ask why did they close the account they said that they closed the account because they were accusing me of fraud because of a check of around XXXX XXXXXXXX XXXX  this happen on XX/XX/XXXXXXXX XXXX XXXX XXXX that didn't had any funds so they never send me a notification or notice asking to confirm that it was me doing the transaction so they decided to close my account without previous notice and on my credit report they ping me as like I committed fraud and currently I don't have any access to open any other account in any bank. When I speak with the Bank of America they told me that they couldn't do anything about that problem and didn't provide me with any information on the matter. Then I proceeded to talk to consumer service and they told me to fill out a dispute and they told me that if they couldn't fix my record I would have to wait for about 5-7 years to open a new account in any bank. Since I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never made a transaction over XXXX XXXXXXXX XXXX  in my account.
Consumer complaint received 2023-10-27
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-20
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. (IL)

I have summited documentation to Transunion of fraudulent items on my credit report I have also submitted a copy of the identity report to this company. They Company later reply back stating that I am working with a third party company and they won't process my request unless they come directly from me. Which the letters are from me and not a third party company I demand that they complete the investigation and a timely matter.This company c to send out stall letter instead of completing the investigation I also have sent in all my identification for verification purpose.
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (NJ)

Experian verified an account on my credit report as valid with out the proper documentation and just lie about the status of this account with a balance of {$1700.00}... 

1. I contacted XXXX XXXX  and they inform me they sold the account XXXX to XXXX XXXX XXXX and they stated clearly that this company has paid the debt in full and I don't longer own XXXX XXXX any sum of money and anything from now and forward need to be handle with XXXX XXXX XXXX 2. I contacted XXXX XXXX XXXX true the phone number ( XXXX ) XXXX and indeed they inform me they had bought the account XXXX from XXXX XXXX and had paid the " {$1700.00} '' balance in full and now and forward I need to make any payment to XXXX XXXX XXXX .... 

3. I requested the signed bill of this transaction, sold/bought of account XXXX from bout company and also true Experian and ALL OF THEM HAVE FAIL TO PROVIDE ME WITH THIS DOCUMENTATION 4. EXPERIAN JUST LIE ON THE VERIFICATION OF THIS ACCOUNT, THEY DONT HAVE ANY PROPER SIGNED BILL OR DOCUMENTATION FOR THE SOLD AND BOUGHT OF THIS ACCOUNT XXXX XXXX  XXXXXXXX XXXX IS STILL REPORTING ERRONEOUS AND FALSE BALANCE ON THIS ACCOUNT .... THEY WHERE PAID ALREADY IN FULL BY XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I made a request for Best Buy, on XX/XX/XXXX and XX/XX/XXXX, to correct my credit report, but they are still are reporting late payments that are older than 7 years old. I know for a fact that I did make these payments, but I am not here for that. They are reporting to XXXX and XXXX XXXX late payments from XX/XX/XXXX and XX/XX/XXXX. 

Attached is a document from CITI and Best Buy stating the dates. I do not have the letters mailed to them.
Consumer complaint received 2024-04-02
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

I already made a complaint, but the response was sent to me without an email for me to send my driver 's license, so I'm opening it again to get this information or something like that. 
I got these XXXX cards and now I have XXXX XXXX dollars that I can't use, send me an email, I work a lot, I can't answer the phone during work, trying only once a day. 
Plese XXXX XXXX XXXX, I just want my money, I tried this card in every possible place, and it doesn't work, always denied, the amount of embarrassment I've already been through... 

Please ... XXXX XXXX
Consumer complaint received 2024-04-01
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. (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.

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 2023-10-27
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. (GA)

I demand that my privacy is respected. Refrain from sharing any personally identifiable information ( PII ), non-public information ( NPI ), private information, or financial information about me with any third party without my prior written consent. All assumed consent is hereby rejected and i wish for all accounts and reports to be disclosed to me before being reported as required by law. 

This includes, but is not limited to, my name, address, phone number, email address, Social Security number, date of birth, driver 's license number, passport number, financial account numbers, credit history, medical information, and any other information that could be used to identify me. I also demand the following accounts be removed. 

1.All accounts in connection with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am aware of the following laws that protect my privacy : The Gramm-Leach-Bliley Act ( GLBA ) prohibits financial institutions from sharing customer information without their consent. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit bureaus from sharing consumer credit reports without their consent. 

The Health Insurance Portability and Accountability Act ( HIPAA ) prohibits healthcare providers from sharing patient information without their consent.

The Privacy Act of 1974 prohibits government agencies from sharing personal information about individuals without their consent. 

I am also aware of the following state laws that protect my privacy : XXXX XXXX XXXX requires businesses to notify individuals of unauthorized acquisitions of personal information. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX If you violate my privacy by sharing any of my PII, XXXX, private information, or financial information with any third party without my prior written consent, I will take legal action against you. no where in this letter is a request for validation or verification. This is a legal notice letting Transunion XXXX and XXXX know that they are in violation of the law and my rights to privacy. Wisconsin does have private right of action for this and it will be costly and will involve concurrent jurisdiction. This will make Credit reporting agencies extremely liable and shall be costly. I will also be filing with the SEC, IRS, FTC and attorney general if my rights are not respected. This is in no way a request for verification. I am demanding the listed accounts be removed from my consumer report. these accounts are violations of multiple state and federal laws and credit reporting agencies are in violation of ITADA and are aiding in identity theft and violating the FCRA. this is a notice to cure.

Thank you for your attention, be blessed.
Consumer complaint received 2018-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Hello You people helped me the last ... dealing with Wells Fargo ... where they added taxes to my mortgage ... the first payment to them was {$860.00} from XXXX XXXX ... so these people tacked on another {$50.00} on to my mortgage ... for four months ... paying a mortgage payment to these people ... where they said it was taxes ... I'm a XXXX ... XXXX XXXX XXXX.. 
These people when I complained about my payment ... oh XXXX XXXX there was an over payment of my escrow ... which they are lying ... had I said nothing, they would have kept the money ... Mr. XXXX ... this is your lucky day ... you have money coming to you ... they sent me a check ... .and paperwork ... but as I said ... show me what you did with my money for {$50.00}? for four months..taxes.. I went to that website..still have me at XXXX ..they cook the books to make it look good and where is the government? don't steal from me ... 
take it from the rich ... 
You want the paperwork that they sent me? They still don't have it right ... this started from XX/XX/XXXX to the present.. 
They owe me for four months..and I went to see if they changed my mortgage payment ... and they haven't ... 
So what do I do? Not pay them, where they will be foreclosing on my house?
Consumer complaint received 2023-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC (NV)

I hope this letter finds you well. I am writing to express my deep concerns and distress regarding the ongoing interactions I have had with your organization. As an XXXX who identifies as XXXX, I have always held the belief that every individual deserves to be treated with fairness, respect, and dignity. Regrettably, my recent interactions with your team have left me feeling targeted and marginalized, despite my genuine attempts to seek assistance and clarity on my mortgage situation. 

Over the course of our communications, I have found that the information provided by your representatives has been anything but clear and professional. The constant correspondences and documents mailed to my residence have not only been overwhelming but have also come across as misleading and at times, contradictory. 

I have actively sought assistance for my mortgage due to the hardships presented by the XXXX pandemic. Despite my diligent efforts in ensuring that my application for assistance was complete, I was repeatedly informed that it was not. This has not only caused me undue stress but has also led to an environment of uncertainty about the future of my residence. It was disheartening to receive multiple foreclosure packages, giving an impression that I was on the brink of losing my home. The emotional toll of facing the insecurity of potential displacement can not be understated. 

Ironically, after the repeated intimations of my application being incomplete, I received a letter from your end stating that my mortgage assistance request was indeed complete and devoid of any missing documents. Yet, in a bewildering turn of events, I once again find myself receiving foreclosure packages and being advised to reapply. 

The inconsistency in communication and the lack of transparency have made an already challenging situation even more difficult for me. I am earnestly seeking the assistance that I am entitled to during these unprecedented times. I implore you to review my situation with the seriousness and urgency it warrants. 

In conclusion, I kindly request clear answers to the following questions : Is my application for mortgage assistance complete and under review? 
What is the current status of my mortgage, and are there any impending foreclosure actions? 
What are the next steps I need to undertake to ensure the security of my home? 
I appreciate your attention to this matter and hope for a resolution that ensures transparency, fairness, and empathy.
Consumer complaint received 2023-10-27
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. (CT)

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 2023-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (KY)

I was a victim of financial fraud on XX/XX/ for two transactions. One for {$990.00} and {$1400.00}. I was attempting to call a help desk to login to a phone app I was not able to login in. Assuming I was speaking to the right person, the person on the line convinced me that I was already a victim of fraud and that I needed to make these transactions to resolve the issue. Confused with the circumstance, they convinced me to make these two transactions to XXXX XXXX using my XXXX PNC mobile app with nothing in return. I do not know this individual, and I am now out of {$2400.00} that I desperately need. I have been stolen from and tricked into sending money that I never wanted to send and PNC will not reimburse me. Please help me.
Consumer complaint received 2023-09-13
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.