davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
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)

So I sent a letter off XX/XX/2022 to remove personal information off my credit report that I no longer want on my credit report. According to Fair Credit reporting act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information with a third party. 

These are clear violations of my federally protected rights.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I was Notified that my information was leaked into several companies such as XXXX XXXX and XXXX ( FDCPA ) 15 U.S.C1681 EB.I have inquires on my credit report that needs to be deleted off that I am not associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  veh dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like to have these items investigated and removed from my credit report
Consumer complaint received 2024-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (HI)

The loan was an XXXX XXXXXXXX XXXX the foreclosure was from XXXX XXXX XXXX XXXX  which is not a company and so they made up a company to foreclose because XXXX XXXX is gone. The loan is a asset back security and the original loan doesn't Exist. Despite all that the judges in Hawaii don't care they worry about their pensions only and they claim they sold the house but the didn't foreclose on the owner they foreclosed on me the tenant that lives here! 
It's a wrongful foreclose and they offered me a chance to pay {$400000.00} and I had a witness on the phone and then when we asked for payoff it was XXXX plus
Consumer complaint received 2024-05-13
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. (AZ)

I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.
Consumer complaint received 2024-05-13
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. (VA)

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of 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 2024-05-13
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-13
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. (AL)

XXXX contacting because my information was used to open a credit card with XXXX for a balance of {$5000.00} I dont recognize his account nor did I give anyone permission to open an account using my information I have already filed a claim with the federal trade commission about this matter I am requesting that this account get removed from my credit profile because this was not my account nor did I have anyway knowledge of this account being opened!
Consumer complaint received 2023-07-15
Product: Credit card or prepaid 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 (SC)

On XX/XX/2023, I made a purchase using my Bank of America card for {$83.00} on XXXX for what the seller advertised as " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. The listing photos were poor quality and concealed key details that would have revealed the item is not the " XXXX XXXX XXXX XXXX XXXX '' vintage edition. In fact, using a quick XXXX search, I can see that the item I was sent can be purchased in dozens of places for as little as {$15.00}. When the item arrived and I saw that it was not as advertised, I requested a return. The seller denied my request for a return. I tried to get XXXX customer service involved, but the automated system automatically denied my return request as soon as I submitted it. I then disputed the charge with Bank of America. XXXX told Bank of America that the return request was approved but I never sent the item back to the seller. This is a lie the seller did not allow me to return the item! Bank of America then denied my claim/dispute. I called Bank of America customer service and have been on hold for over half an hour I can't get through to customer service to get help. I was scammed.
Consumer complaint received 2024-05-13
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. (MO)

I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.
Consumer complaint received 2021-02-10
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: JPMORGAN CHASE & CO. (NJ)

Chase recently reviewed my credit card account and reduced the credit limit to {$2000.00} over the phone. This review was done on XX/XX/XXXX. 

Their reasoning was that my revolving credit account balances were too high based on an XXXX  credit report they pulled. I logged onto my XXXX  account and pulled the latest report they have on file. On that file, it mentions that my revolving credit was at 16 % of my overall credit limits on credit card accounts. I escalated this to their management team and they refused to budge or wait for an updated report on their end. I asked them to delay this review for a month so that they could have a more up to date report on their end. In particular, balances on my XXXX XXXX XXXX from XXXX XXXX XXXX are highly overstated since they haven't reported last month 's information yet. I made a purchase with the card in XXXX that I cancelled shortly after and the balance on the card now stands at {$210.00}, which is under 30 % of the limit I have for them. 

Even with this overstatement, the credit report lists my credit usage at only 16 %. 
I find this to be predatory behavior. I have made moves to raise my credit score and Chase 's move simply serves to hurt my score based on errant information. I have attached copies of my XXXX  report ( that they used ) along with screen shots of what I see on my XXXX XXXX account ( with the other two credit bureaus ). All three credit bureaus are reporting 15-16 % usage, which is not " high revolving usage '' as Chase claims. 

The reasoning they are using to reduce my credit limit is incorrect. I dispute their assessment.
Consumer complaint received 2021-02-10
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group (MI)

I was contacted XX/XX/XXXX by an attorney working on behalf of XXXX XXXX XXXX stating that I had a judgement entered against me in XXXX in XXXX, Virginia. Upon research appears this was common practice of XXXX XXXX XXXX ( aka XXXX XXXX XXXX that affected members of the military. During the time of the loan in question I was stationed at XXXX XXXX, NC. Though I have no recollection of visiting these stores, it is entirely possible that I purchased something from such a location. 

The attorney went further to explain they would not enforce a garnishment but would proceed to put a lien on my home if I failed to pay. He also informed me of an interest rate of 19.96 % having been entered during the judgement and relayed that over {$2000.00} had accumulated in the nearly 10 years of this judgement being entered. This account had went from around {$1300.00} to about {$3300.00} in the time since judgement. I had never been served during this time period and was unaware of such activity taking place without my right to dispute or appear in court. 

From subsequent research I was able to find that many of these claims were set aside or refunded, as they showed lack of proper process in notification. This issue has apparently eluded Foster and Monroe LLC ( the attorney that has reinstated the adverse credit items on my report and contacted me for collection ).
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX at about XXXX XXXX XXXX, I used the JP. Morgan Drive through ATM machine located at their branch on XXXX XXXX XXXX, XXXX NV, XXXX, to deposit {$260.00}. The ATM took my cash but did not give me a receipt and the machine went back to the main screen. I immediately called them to report the issue. They opened an investigation and gave me temporary credit. On XX/XX/XXXX at XXXXXXXX XXXX I received and email informing me the investigation was concluded and the bank did not find the missing {$260.00}. I asked for details on what the investigation consisted of but they said they could not disclose this information. I spoke a phone manager by the name of XXXX on XX/XX/XXXX at about XXXXXXXX XXXX and she confirmed they saw footage of me depositing money at the ATM. However, she claims that there were two audit conducted and the money was not at the ATM, even though there's video footage of me depositing the money.
Consumer complaint received 2018-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TN)

I received a letter from a AFNI stating that I owe them {$410.00} for XXXX. I have no knowledge of this account. I mailed a letter to AFNI on XX/XX/XXXX asking them to VALIDATE not VEFIRY this dent that claim I owe them or XXXX. The attached letter is the only document they sent me. I sent a second letter on XX/XX/XXXX requesting that they please VALIDATE this debt they claim I owe them or remove it from my credit report immediately if they can not provide me with suffice documentation. They in turn sent me the same document again. The letter states this is VERIFICATION and I have asked them for VALIDATION that I owe them this debt in which I do not.
Consumer complaint received 2024-05-13
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 my XXXX, TransUnion and XXXX 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. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-13
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 resubmitting my dispute letter due to lack of resolutions or actions. Again, the other Bureaus are not reporting this fraudulent information. I'm a victim of Identity theft and this information is inaccurate.
Consumer complaint received 2024-05-13
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is being sent to you pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809. I am responding to your contact about collecting a debt. You contacted me by phone on XX/XX/2023 about a debt of {$40000.00}.

You violated the FDCPA Sec. 809 ( a ) by not providing the written notice specified in that section within five ( 5 ) days of your initial communication. I do not have any responsibility for the debt youre trying to collect.

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all other communication, all third party 's and reporting companies.
Consumer complaint received 2023-06-09
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-13
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. (MO)

After reviewing my credit report, I discovered unauthorized accounts. I request that these be removed as they are damaging my ability to obtain credit. 
XXXX XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXXXXXX - XX/XX/XXXX - {$4000.00} XXXX XXXXXXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX XXXX6XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$460.00} XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$680.00} XXXX XXXXXXXX - XX/XX/XXXX - {$400.00}
Consumer complaint received 2024-07-12
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)

Yes My Name is XXXX XXXX I had to fix as much as possible on all my credit report I have gave them as much information they needed to correct this issues but they still are not removing items that are not allowed are should not be on my report so I'm sending this over to you to see if I can get a little more help with this issue I understand it takes time but I have gave them as much time as possible it's been a year now and with me sending in a clear copy of a police report to request to remove incorrect information on all of the agencies reporting this on my SSN account I really ask for a letter from you all to allow me to smitten this FTC report for help XXXX XXXX XXXX call or email address at XXXX or XXXX I will appreciate your help with this investigation.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (VA)

I have attempted for months with no resolve to collect my US Bank credit card rewards. 

There were at least XXXX attempts by me to get the resolved on the phone prior to the complaint directly with the bank around an hour on the phone with multiple transfers. 

US Bank Case Number : XXXX opened XX/XX/XXXX nothing resolved Call : XXXX Hour XXXX minutes on XXXX XX/XX/XXXX ( transferred multiple times ). I was told the account ending in XXXX is a billing account and the other rewards card attached was closed in XXXX ( that when it was open, see attachment ). I asked for the manger to provide me a date when it was closed and was told the bank closed it not me. My statements every month keep generating rewards which I believe was a way to keep me using the card. I am still using the card daily so it does not make sense the card is working.
Consumer complaint received 2024-05-13
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)

To Whom It May Concern, I am writing to urgently request the re-investigation and removal of fraudulent accounts listed on my credit report, which I have previously disputed without satisfactory resolution. Despite submitting an FTC Identity Theft Report and multiple pieces of documentation supporting my claim, these accounts continue to appear on my report, impacting my credit negatively.

I initially reported these unrecognized accounts and have engaged with your agency several times, seeking verification or removal of these entries. The persistence of these unverified entries is concerning, given their significant negative impact on my financial reputation.

I formally request a thorough investigation into these accounts. If these accounts can not be verified as belonging to me, I insist on their immediate removal from my credit report. I also request written confirmation of the actions your agency takes in response to this letter.

Please treat this matter with the urgency it requires. According to the Fair Credit Reporting Act, I expect a response within 15 to 30 days. If the issue is not resolved satisfactorily, I am prepared to take further legal action.

Thank you for your prompt attention to this matter. I look forward to your swift action and a resolution that corrects my credit report accordingly.
Consumer complaint received 2024-05-13
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)

To Whom It May Concern, I am writing to urgently request the re-investigation and removal of fraudulent accounts listed on my credit report, which I have previously disputed without satisfactory resolution. Despite submitting an FTC Identity Theft Report and multiple pieces of documentation supporting my claim, these accounts continue to appear on my report, impacting my credit negatively.

I initially reported these unrecognized accounts and have engaged with your agency several times, seeking verification or removal of these entries. The persistence of these unverified entries is concerning, given their significant negative impact on my financial reputation.

I formally request a thorough investigation into these accounts. If these accounts can not be verified as belonging to me, I insist on their immediate removal from my credit report. I also request written confirmation of the actions your agency takes in response to this letter.

Please treat this matter with the urgency it requires. According to the Fair Credit Reporting Act, I expect a response within 15 to 30 days. If the issue is not resolved satisfactorily, I am prepared to take further legal action. 

Thank you for your prompt attention to this matter. I look forward to your swift action and a resolution that corrects my credit report accordingly.