davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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. (LA)

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  has violated my rights. Or a 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 2024-01-23
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. (CA)

I have been fighting back and forth with the three major credit bureaus XXXX, Equifax, and XXXX as well as the companies. I have sent in information to them showing I was a victim of identity theft and used other names that are not my full correct name. I have also asked these agencies and companies for verification that the information was actually accurate. According to 1006.34 notice for validation of debts they had 5 days to respond with any kind of validation and they have failed to do so multiple times. So since they are in violation they need to remove them off of my credit report immediately.
Consumer complaint received 2024-04-29
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. (NY)

I recently reviewed again XXXX, XXXX and TransUnion my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-01-23
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  ; Account : XXXX  XXXX - XXXX, Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX, - XXXX, XXXX - XXXX, Account : XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NC)

I changed insurance carriers and submitted the requested documents per the directions of the mortgage servicer. The mortgage company kept saying that the property did not have insurance while the property had hazard insurance in full effect throughout the duration of ownership/ their servicing. I was erroneously charged for 2 lender placed policies ( unsure why there were two policies on 1 property?? ) and have been unable to have them cancel the policies correctly since. My escrow account was debited {$1500.00} for the lender placed policies while I had active insurance coverage on the property the entire time. I as well submitted the requested documents to the mortgage servicer multiple times and have email documentation.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I tried to open an account with XXXX XXXX last year. XXXX XXXX XXXX has an old bank account reporting and preventing me from opening any account. My card was stole and someone tried to use my account. I informed Bank of america of this in 2021 when this happened. I have disputed this incorrect information several times. This account needs to be removed
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MA Equifax XXXX XXXX XXXX, XXXX GA, XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT REPORT Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer credit report, there are several fraud accounts listed. As a reference, please see the below accounts : I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company furnish my consumer credit report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. 

XXXX XXXXXXXX XXXX XXXX XXXX, XXXX PA XXXX XX/XX/XXXX XXXX XX/XX/XXXX The aforementioned fraudulent/unauthorized accounts are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 



Without XXXX, XXXX XXXX
Consumer complaint received 2024-04-29
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. (CA)

I have continuously asked XXXX XXXX to provide real proof as to why the account was opened without my permission or any real verification as XXXX XXXX 's online system for opening card accounts is flawed by allowing fraudulent users to input stolen information and create accounts to steal money then XXXX XXXX holds the victim accountable. Transunion continues to report this information on my credit report as well. XXXX XXXX refuses to file the fraud report that I provided in XXXX of 2023 and to dispute all charges which I also requested. XXXX XXXX stated to me that the fraudulent user could come forward to claim and take over the account however XXXX XXXX is now renegging on their word and still wants to hold me responsible for the account which I never opened, XXXX XXXX 's practices are abusive in which holding me directly responsible for their flawed system without any proof that the charges or the account belong to me whatsoever. In all my history I have never had a credit card and I surely would not start with XXXX XXXX either.
Consumer complaint received 2022-12-01
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. (MD)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/19XXXX XXXX XXXX XXXX I recently received my consumer report and noticed violations that go against the FCRA. Your Agency has not supplied me with any Account Level Documentation that bears my written instructions which is a violation of [ 15 U.S.C 1681b ] ( a ) ( 2 ) Permissible purpose of consumer reports according to the Fair Credit Reporting Act. please complete a proper Reinvestigation of the disputed information below in accordance with [ 15 U.S.C 1681i ] ( a ) ] Procedure in case of disputed accuracy PLEASE REINVESTAGE THESE ACCOUNTS AND DELETE IF ACCOUNT LEVEL DOCUMENTATION CAN NOT PROVIDE : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX DISPUTE REASON : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
Please send me all Account level documentation and a copy of my updated XXXXXXXX XXXX with the Deletions of these accounts XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NJ)

I am writing to formally file a complaint against XXXX XXXX regarding several violations of my consumer rights. Specifically, I am concerned about breaches of both Federal and New Jersey State laws relating to the handling and disclosure of my personally identifiable financial information. 

( Violation of Federal and State Privacy Laws ) - XXXX XXXX has failed to provide me with the opportunity to opt out before disclosing my personal financial information to third parties, including other financial institutions and consumer reporting agencies. This lack of disclosure and opt-out option violates my rights under the Gramm-Leach-Bliley Act ( GLBA ) and the New Jersey Data Protection Act ( NJDPA ). 

Despite my clear instructions that I did not consent to such disclosures, XXXX XXXX has asserted their right to share my information based on their Privacy Policy and Privacy Notice. However, these documents state : " Personally identifiable financial information collected by financial institutions ( like XXXX XXXX XXXX is subject to other federal privacy laws ( such as the Gramm-Leach-Bliley Act ( GLBA ) ). '' " For New Jersey Residents : We will not share information we collect about you with non-affiliated third parties, except as permitted by New Jersey law, such as to process your transactions or to maintain your account. '' ( Failure to Provide Accounting Information ) -I have also requested a detailed accounting of my account, including documentation signed by an authorized representative, to clarify the true amount owed and the source of funding for the account. Instead, XXXXXXXX XXXX has only provided me with a copy of the Promissory Note, which reveals multiple violations of the Truth in Lending Act ( TILA ). 

( Inadequate Handling of Correspondence ) - Additionally, despite my specific instructions that all correspondence be sent to a designated address, XXXX XXXX continues to send mail to an address that is inconvenient for me. This disregard for my specified address is a violation of my privacy. 

( Identity Theft and Extortion Concerns ) - Federal law defines identity theft as " a fraud committed using the identifying information of another person '' ( 15 USC 1681a ( q ) ( 3 ) ). By disclosing my personal information without my consent, XXXXXXXX XXXX actions can be considered identity theft. Furthermore, these actions may also involve depriving me of my rights under color of law ( 18 USC 242 ) and could be construed as extortionate collection practices ( 18 USC 894 ). 
If these issues are not addressed promptly, I will consider taking further action to protect my rights, including seeking damages for breaches of the Fair Credit Reporting Act ( FCRA ), TILA, Uniform Commercial Code ( UCC ), and New Jersey consumer protection statutes.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

In accordance with fair credit 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 604 A section 2 it also state consumer reporting agency can not furnish an account without my written instructions. Under 15 uscs 1666B creditor may not treat payment on a credit card account under an open consumer credit plan as late for any purpose
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

According to 15 USC 1681 ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. I demand a deletion of all personal recognizable information from my consumer report with the exception of : LEGAL NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete all other addresses, as they are not deliverable, as I can not receive mail or any correspondence nor do I have access to any of these addresses. Please delete these outdated addresses and update the address with the one above. Also, I'm exercising my federally protected consumer rights to OPT OUT any and all reporting of inaccurate accounts listed in the supporting document attached pursuant 16 CFR 313 and 15 USC 6802, 15 USC 6803, 15 USC 6804, any authorization given, written or verbal is now rescinded and is effective immediately.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam, I am writing to follow up on my previous dispute regarding the inaccurate information that is appearing on my credit report. It has been brought to my attention that XXXX has completed its investigation, but I am disappointed to learn that the inaccurate information remains on my credit report. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Additionally, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ]. 

Therefore, I am requesting that you take immediate action to remove the inaccurate information from my credit report, specifically the account related to the trade XXXX XXXX XXXX XXXX  with the account number XXXX. Furthermore, I request that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX XXXX XXXX account completely removed from it. In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. I hope that it will not come to that, and that we can resolve this matter in a timely and efficient manner. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ] CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681b of the FCRA
Consumer complaint received 2024-01-23
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. (GA)

There is a fraudulent account on my consumer report that I am highly displeased with. I was trying to get a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to get a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to get my family a house.
Consumer complaint received 2023-10-12
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. (IL)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Consumer complaint received 2023-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

I have hit a brick wall with Navient. I sent an email to Navient on or about early XXXX, 2023 requesting a refund of payments that I made during the the XXXX pause, totaling {$16000.00}. The first response I received from them was XX/XX/2023, which was from XXXX XXXX, XXXX customer Advocate. The letter explained that they needed time to look into the matter. On XXXX XXXX I received another letter from same person explaining why my request could not be granted ; basically explaining that my loan did not fall under the Cares Act, which is why the payments continued to be deducted from my bank account, and the interest continued to accrue. These people are heartless and should never be allowed to service another student loan. I even had to enter a code in order to receive/open the letter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please look into this matter, and help me to get my Covid pause payments refunded. 

Thank you XXXX XXXX
Consumer complaint received 2024-01-23
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-23
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. (KS)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX