davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
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. (NY)

Consumer reporting agency XXXX, XXXX, and TransUnion is reporting false information and or information without my consent. They have failed to do investigations into these negative accounts that has caused me hardship in obtaining a car and house for my family and has caused massive pain and suffering. I have reached out to them to remove the negative items being reported, however they just say they verified the information. Furthermore, I have disputed these negative items on my report and they still have yet to properly investigate or verify information they are reporting. Violation of Tilte 15 usc 1681, and 6805. Also violation of my privacy per the privacy act of 1974.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX XXXX allowed illegal unauthorized fraudulent transactions and charges to all of my accounts. XXXX XXXX XXXX has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. I submitted DC police report XXXX. XXXX XXXXXXXX XXXX and XXXX immediately accepted responsibility for the illegal unauthorized fraudulent transactions and charges
Consumer complaint received 2023-08-29
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. (PA)

XXXX TransUnion and XXXX are reporting charges offs on my credit report with balances, according to XXXX XXXX Laws that is a violation of my rights and is against the law. All charge offs by law must report XXXX balances since the debt was sold to a collection agency. 

Account name XXXX Account number XXXX Balance {$140.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$55.00} Account name XXXX XXXX XXXX  Account number XXXX Balance {$65.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$160.00}
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (OH)

So Robinhood froze my bank account with XXXX in my spending account on or around XXXX They never provided a reason of why they froze my account. 
After their investigation was over they could not find any evidence of fraud or support of any XXXXXXXX XXXX  on my part so they where so embarrassed by their mistake they did not want to continue to keep my account active. 
So on the XXXX day of XXXX they sent me a email and said I had 15 business days to return the money in my account but after I received my funds they was going to cancel my account. 
I received 2 payments one for {$4000.00} and another payment of XXXX. 
They would not transfer the rest of my funds to my other bank account. 
Fast forward to XX/XX/XXXX I get a email similar to the one that was sent before saying the rest of my funds will be available for transfer in 15 days. 
That never happened and I still can't transfer my funds and they won't call me back at all. 
On XX/XX/XXXX I received another email from Robinhood saying I have 10 days to transfer my money to a different bank and if it's not transfered by then they will write me a check and send to the address on my file. 
But I still can't transfer funds they won't recall my phone calls or emails. Also I can't wait until they send me a check because it's already been four months of them holding my money XXXX. I just want to be able to transfer my funds and we go out separate ways. I know for a fact I would be charged with robbery if I kept XXXX of there dollars for 4 months. I would also like the interest i could of made with that money if I would of been able to invest it
Consumer complaint received 2023-12-03
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. (MD)

YOU BROKE THE LAW!!! 
You are in violation of my rights and you broke the law, 15 U.S. Code 1681b - Permissible purposes of consumer reports cleary states that i have to give you permission to report anything on my credit report. 
NO CONSENT FROM ME IS CONSIDERED IDENTY THEFT! 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates I DID NOT GIVE YOU PREMISSION TO DUE SO AND YOU GUYS DONT HAVE OR NEVER HAVE HAD ANYTHING IN WRITTING SAYING THAT I GIVE YOU PREMISSION TO DUE SO! I HAVE CONTROL OVER WHAT GETS REPORTED AND THE PRIVACY OF MY REPORT. 
YOU WILL DELETE THESE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S. Code 6801 - Protection of nonpublic personal information - cleary states that ( a ) Privacy obligation policy 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.

All eight of those financial institutions have violated and broken the law by not protecting my privacy and giving you my none public personal information, They know they are in violation and your company knows accepting this information and reporting it is in violation also you just do it anyway in hopes that people dont know their rights!

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information again this goes into more detail about sharing my none public information and states that no financial institution shall give my information to nonaffiliated third party. 
The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. YOUR COMPANY IS A NONAFFILIATED THIRD PARTY!!
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

XXXX  blocked me from my credit report and no one is as to verify my identity no matter where i go. my bank account is now frozen because of what they have done because they couldn't utilize the current verification process. i have a family to take care of and provided them the information that they needed on more than one occassion and they have completely ignored it by blocking my credit file. this is unheard of! 

I have already provided them my identifying information and they put it on my profile them blocked it
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I can not access online banking or phone banking, and can not change any of my settings including paper statement settings. After calling, it was determined that my social security number did not match what Citizens has on file. I was told I needed to fill out a W9 to prove who I am before speaking with them. I can not change paperless settings, or do anything else, before verifying my identity with them. This has been a big hassle and I want my account closed completely since I have never had this many problems with a bank before.
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)

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 U.S.C 1681. 

XXXX XXXXXXXX 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 XXXXXXXX Has violated my rights. 

15 U.S.C 1681 section 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then 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 of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NV)

I stayed in contact with the bank and wanted to have them to please wait until my tax return was in. They said they would wait and then before they came in they put me in the check system and closed my account causing a whole mess of problems
Consumer complaint received 2023-12-18
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)

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 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 UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 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 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Several times in XX/XX/2021 I contacted them by phone calling to address my report had in inaccurate information on it. EX : accurate address on report only. EX : not showing my student loans or reporting them. EX : tampering with score. EX : denied applications. EX : denied apartments. EX : denied auto loans. EX : denied rightful EX : Im Currently Homeless
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-12-22
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA (OR)

My federal student loans were transferred to Mohela from XXXX. In XX/XX/XXXX, I completed an application for an IDR plan with the Dept of Education and Mohela, specifically the SAVE plan, as I have always been on an IDR plan with these loans since I began repayment in XXXX Mohela repeatedly denied my application, even though they had all the information and documents they needed to confirm my eligibility and calculate my payment. I repeatedly called them to attempt to resolve the issue, and I received conflicting communication via telephone and letters. In XXXX XXXX Mohela placed me on administrative forbearance because they could not timely process my application, even though I would rather not have been in forbearance because it doesn't count towards PSLF. In XXXX, Mohela informed me that I had been placed on the SAVE plan and would have a XXXX XXXX  monthly payment. But then they unilaterally removed me from forbearance at the end of XX/XX/XXXX, but did not begin my SAVE plan until XXXX XXXX. In the meantime, Mohela withdrew {$1200.00} from my checking account on XX/XX/XXXX for a payment on a " standard '' or " level '' plan that I never asked or consented to be on, and that I never should have been on, because I was always on an IDR plan ( including when my account was transferred from XXXX to Mohela ), I had already completed my application to be put on an IDR plan, and Mohela had already determined that I was eligible to be on the SAVE plan.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
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. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" 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. '' XXXX, Transunion and XXXX etc. 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2024-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WA)

On or around XX/XX/year> I was informed of a collection account on my credit report from XXXX XXXX XXXX in the amount of {$XXXX}. On XX/XX/XXXX, I contacted the agency who informed me the account was with XXXX XXXX for a homeowners policy for a property located at XXXX XXXX XXXX ct, XXXX, XXXX. I informed the agency, that we never purchased the home, furthermore, we never purchased the policy. I provided documentation that we never lived at the residence, and submitted a consumer dispute directly with their agency. Roughly 2 weeks passed and I heard no information from the agency regarding my dispute and I followed up for an update to which they informed me the dispute was closed the following day stating I did not provide enough information, despite providing two residential leases covering the time period showing that I resided elsewhere at that time. I also provided information that the home purchase for that property was not successful. They have refused to remove the account from my report and have continued to ask me for more information that I do not have. Please help. This is having a great impact on my credit report and my ability to purchase a new home.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (CA)

In XX/XX/2023, I tried to close my bank account with a balance of just over {$10000.00} at BMO Harris Bank. I was informed that a cashier 's check was delivered to my residential address. In early XXXX, I followed up because I never received the check. I was informed to go to a local retailer so that BMO Harris Bank could verify my identity and reissue a check. From XXXX to XXXX, I made 4 trips to the local bank in XXXX XXXX. I signed and notarized consent to reissue the check. I was told that it would take the bank 90 days to confirm the cashier check was lot and that a new check would be issued after XX/XX/XXXX. I went to the local bank again and was told that BMO Harris would need issue this from their accounting backoffice. I called in early XXXX to inquire and was told that a new cashier 's check would be issued within 7- 10 business days. On XX/XX/XXXX, I further inquired and was told that the check was not processed. They then informed me again that it would take another 7-10 business days before a cashier check would be issued. I asked to speak to a Case Specialist and was assigned to XXXX. I was originally assigned to an analyst named XXXX. But no case reference number was provided. I was only told that I would get a followup call in 3 business days.
Consumer complaint received 2023-12-18
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)

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 XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account NumberXXXX has violated my rights. Or list of inquiries 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 2023-03-11
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. (FL)

I have attempted to make a complaint and the information on the complaint was incorrect as well. I am wanting to correct the name on my report... which is someone else 's name and the reporting agency ( ies ) are attempting to put it on my social security number! 
This has been disputed since XX/XX/XXXX, and here we are in XX/XX/XXXX. 
I do not consent to using my private number with someone else 's name. 

I HAVE CALLED NUMEROUS TIMES AND NOW HAVE RECORDED CALLS AGAINST THESE COMPANIES THAT ARE ATTEMPTING TO ASSUME OWNERSHIP OF THE REPORT AND DO NOT WANT TO CHANGE IT. THE ONLY REPORTING COMPANY BY LAW IS THE CONSUMER FINANCIAL PROTECTION BUREAU AND NOT ANY OTHER BUREAU BY LAW ; SO I DON'T KNOW WHO THESE COMPANIES THINK THEY ARE?!!!
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

The company is continuing to reflect inaccurate accounting. The timeline is outlined by FCRA 611 5 b 3 and and Discover has still has not complied with the federal protection consumer laws. I am continuing to suffer financially, professionally and emotionally as a result of these violations.