davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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. (TX)

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-10
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. (SC)

I am disputing the account with XXXX XXXX XXXX, account number XXXX, which has been reported on my credit report. I have taken XXXX  actions to resolve this matter, including : XXXX XXXX XXXX XXXX by phone and mail to request verification of the account information and the purchase agreement showing full ownership of the account. 
Sending a XXXX  letter to XXXX XXXX XXXX, exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which requires creditors to provide proof of the debt 's validity. 
Despite my efforts, I have not received any verification from XXXX XXXX XXXX. As such, I believe this account does not belong to me, and it should be removed from my credit report immediately. 
This account 's presence on my credit report has prevented me from applying for a mortgage to purchase a home for myself and my children, leaving us homeless.
Consumer complaint received 2024-04-17
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian 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. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX 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 XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( XXXX XXXXL 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. XXXX and Experian 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 2024-07-10
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. ()

I am the agent for the principal authorized to make this complaint in good faith without prejudice and recourse, no usufruct. We are writing to bring to your attention a concerning issue regarding the handling of our credit information by your bureau. We have recently received several alerts indicating that an account was closed and then subsequently reopened without our knowledge or consent. This erratic behavior on our credit report has caused confusion and distress on our end. 
Violation of Consumer Laws As a consumer, We are protected under various consumer laws that safeguard our rights and privacy when it comes to credit reporting. The Fair Credit Reporting Act ( FCRA ) is one such law that ensures the accuracy and fairness of the information contained in our credit report. By inaccurately reflecting the status of our accounts, your bureau is in violation of the FCRA. 
Interference with Commerce and Injury Furthermore, the actions of your bureau can be seen as interfering with commerce and causing injury as per 18 USC 8. By inaccurately reporting on our credit file, you are potentially impacting our ability to engage in financial transactions and obtain favorable terms for credit products. This interference with the free flow of commerce can have detrimental effects on our financial well-being. 
Misuse of Credit Report It is evident that your bureau is not using our credit report for its intended purpose, which is to provide an accurate representation of our credit history to potential creditors. Instead, the inconsistent reporting has led to confusion and potential harm to our financial reputation. 
In light of these issues, We request that you conduct a thorough investigation into the discrepancies on our credit report and take immediate steps to rectify all inaccuracies. Failure to do so XXXX result in further legal action being taken against your bureau for non-compliance with consumer protection laws. 
We trust that you will address this matter promptly and ensure that our credit information is handled accurately and in accordance with the law. 

Thank You For Your Public Service. 

Top 3 Authoritative Sources Used : 1. Fair Credit Reporting Act ( FCRA ) - The FCRA is a federal law that regulates how consumer credit information is collected, used, and shared.

2. 18 USC 8 - This section of Title 18 of the United States Code pertains to crimes involving interference with commerce. 
3. Consumer Financial Protection Bureau ( CFPB ) - The CFPB is a government agency responsible for enforcing consumer protection laws related to financial services, including credit reporting. 
All rights are reserved, invoking privacy act
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 



My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 



Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$400.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$3100.00}
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CT)

I have XXXX Chase credit cards. On XX/XX/15, I received what I thought was a replacement card. I went to my Chase app to activate the card. Then I noticed that I had XXXX cards! I never applied for a XXXX  card. I called Chase. I talked to a representative and he asked if I applied for this card. No, I did not. He was going to take care of canceling the card. It was very odd, he asked me what my full social security number was. I did not give him my social security number. When I went on my Chase app later on the card was gone.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2018-08-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

I received numerous calls and letters, and also checked my credit report. Common Wealth Finacial XXXX XXXX, XXXX P.A. XXXX has been harassing me saying, that I have 2 open accounts first they said it was for my son, then they said it was for me all the sudden. they said it was for emergency room visit, I have FULL COVERAGE INSURANCE, and did not visit the emergency room at all. for the amount ( s ) of {$150.00} and the other for XXXX
Consumer complaint received 2024-04-09
Product: Credit 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 (FL)

On XX/XX/2024 at XXXX I called to inquire about a dispute for {$18.00} from XXXX XXXX I just had gotten a letter that my dispute had been closed letter dated XX/XX/2024. But on XX/XX/2024 I had also received a letter telling me that my dispute was in progress and that I had until XX/XX/2024 to submit any evidence but my timeline was cut short on XX/XX/2024 and my dispute was closed. I did not have a chance to submit any evidence to support my claim. Additionally the reasoning on the closed dispute letter was erroneous. It stated that you could not confirm that i had received something different in the mail. I don't know what you mean. It should be sufficient for me to say wrong item was sent and not have to prove this to a rep. The point for the dispute was misleading and the actual reasoning why I could not return it was that XXXX did not provide a return label. So here I can see 2 mistakes being made by reps. One is that dispute was closed early and second the wrong reason was given to close the dispute. I want this dispute reopened and credited to my account. This was not my mistake but reps not handling disputes the right way and following proper procedure. Also on XX/XX/2024 I talked to XXXX from XXXX ID # XXXX at XXXX and she was not professional and not helpful handling my inquiry and acting as if she did not care about her job.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (DC)

United auto credit charged off my account. They reported XXXX different balances to the credit bureau. Also my account was sold to them by XXXX without my knowledge. Under the FCRA this inaccurate information grounds for a removal of the account. I also emailed them and asked for 1099c that I have not gotten an email or call back regarding
Consumer complaint received 2024-07-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank has been a good bank at times at my location. Lately I requested mint new bills of {$1.00} and {$100.00} for traveling. I was issued new {$5.00} dollar bills instead but the {$100.00} and {$1.00} was not there. Prior to this I had always requested new bills and was never an issue with XXXX XXXX. But as of the past month XXXX XXXX at TD Bank a Vice President stopped responding and refused to honor the requests. I got tired of writing him for my request and he just stopped responding. I think that is a shady character and terrible customer service skills. Please see email attached conversation. This is where this bank is lacking and I have seen employees come and go at this branch. Some decide to do a good job while others don't care as is the example of XXXX XXXX. He feels that he is too important and that he should not have to be responding to customers requesting new bills or something small. It is not important to him I guess. A bank is only good as it's customer service. I don't see why is so difficult to do a search for new bills. Is just a task that XXXX does not feel like doing but is a bank duty. At least he should respond and say something to the emails. Well now I guess he will be responding to this complaint and get coached for a better bank experience and treating customers with respect regardless of the transaction. Some customer service reps go the extra mile but others like XXXX XXXX just don't feel like taking a step forward.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Whenever I call customer I am directed to do everything online. I am told this everytime I call customer service but the reality is that everytime I use online features from my credit card it tells me to call customer service instead specially during a dispute process. See attachment. I think Bank of America should fix this issue on my credit card so I don't have to call customer service every time. I have been told by reps that they want all customers to do everything themselves and they send me a link to follow to do it online. But how can I do anything online if it keeps telling me to call customer service. This has been an issue since I first got this card a year ago and I have been calling customer service since then. Please fix the issue. I wish I could just do everything online including disputes without having to call customer care. But when I call customer care reps almost refusing to take the call and ask me to follow the link emailed and do it myself. They even don't want to take a dispute or get anything else resolved. Please fix the error.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXXXXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX  open XX/XX/XXXX XXXX XXXX. Open- XX/XX/XXXX {$1800.00} XXXX XXXX XXXX. {$750.00} XXXX XXXX XXXX. {$750.00} XXXX XXXX XXXX. XXXX. {$1600.00} A copy of an FTC report listing the products opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX  XXXX, CA XXXX XXXXXX/XX/2024
Consumer complaint received 2023-08-02
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)

These companies added hard inquiries to my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies added something to my credit report without my consent and i am not aware of what some of these are 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