davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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. (AR)

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. 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 15 U.S.C 1681 602 A states that I have the right to privacy. 
15 U.S.C. 1681 604 ( a ) ( XXXX ) It also stats that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681 C ( a ) ( XXXX ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681 2 ( A ) ( XXXX ) 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 2024-01-25
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. (MI)

I am requesting that the bureaus provide proof of my consent or verification of where I gave permission for the credit bureaus to report my bankruptcy. My county clerk office has verified with me that they do not report individuals case filling data to credit reporting agencies, nor do they update information directly to the credit bureaus. I would like a copy of this consent or verification.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

On XXXX XXXX I disputed this incorrect inaccurate information. According to 15 USC 15 USC 1681 eb / XXXX ( XXXX ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates consumer reporting agency. I have attached documents as proof of XXXX, Experian and XXXX XXXX violation of FCRA.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America VISA CC # XXXX I am an elderly person, and my card was lost/stolen back in XXXX when I was visiting XXXX. I requested a replacement card, but never received it in the mail. Since BofA credit card was not the card that I used, and I spend a lot of time at hospitals due to my health conditions, I did not notice that I never received the card in the mail. However, and I really have no idea how, somebody has received the card in person, and repeatedly made fraudulent transactions at jewelry stores and electronic stores across XXXX. I have talked to the police and filed a report for the claims to solidify my case, and prove I was not the person making these charges. 
The police report information is as follows : Police Report # XXXX - XXXXOfficer XXXX/Badge # XXXX.The fraudster has done this with my account/credit card multiple times and I have filed a claim for each occurrence : Claim ID # XXXX [ closed/claim was declined without anyone from BofA calling me or asking me for more information ] Claim ID # XXXX [ Still being researched ] Claim ID # XXXX [ Still being researched ] Two of the claims are still being researched, however, one of them ( Claim ID # XXXX ) has just recently been declined, and my account has been charged for the fraudulent amount of $ 9,000+. Nobody from BofA bothered to call me to ask for more information or to inquire about how all of this has happened. They have just " determined '' that these charges are not fraudulent. According to law, I must not be held liable for any unauthorized transactions made with the card, if reported promptly. Right now, I am really scared that BofA might decline all of these 3 claims and I end up being held liable for $ 20,000+ in purchases that I did not make. Given all the hospital bills that I have to pay, I can not really afford to be held liable for such big amounts that I did not even benefit from. Please help me with these claims, and closely monitor them, so that this does not happen. I will provide you with as much information as you need. If there is any document I need to sign, I will do so. I am really scared regarding the results of these claims, and according to law, I should be protected. Please help me. Thank you.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX  Mortgage account and payments are not being reported to credit bureaus. We obtained a home loan in XXXX, however, we needed to file XXXX XXXX XXXX XXXX XXXX in XXXX. Our mortgage was not included in the XXXX  discharge filing and we signed a reaffirmation agreement XXXX XXXX We have not missed or made any late payments during the entire duration of our loan. I have requested for XXXXXXXX XXXX to provide payment history which I have attached for reference as well as a recent statement due to my husbands name not being listed on the payment history.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Experian, Please disregard this complaint : XXXX - I uploaded my boyfriends contacting details versus my own by accident. 

Please update my address on file for Experian. 

Please check the Experian notes - I have called in numerous times to have this resolved - there is no address on file - and I cant obtain credit. 

Attached are my letter, drivers license, social security card, and proof of address.
Consumer complaint received 2024-01-25
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-04-16
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. (AR)

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. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 602 A states that I have the right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 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 2020-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (NY)

Diversified consultants called me a week ago and we agreed that XXXX dollars would come out of my checking acct on the XXXX of XXXX and the rest in the middle of XXXX Then that same agent called today the XXXX saying that he would like to " set it up '' for XXXX XXXX and i said ok.. then i gave him my debit card info and he said it would do it and give me a reference number. he did say he would do it " now ''. of course since we were just talking about having it come out on the XXXX, it was understood that he was setting up the transaction for the XXXX then he comes back on the phone to say that he already took it out of my acct. I was furious.. that is NOT what we agreeed. so I asked for his supervisor. then XXXX, his supervisor gets on the phone and says it was a miscommunication, that is all and agrees to reverse it but it will take several days.. so now i will have checks bouncing due to the fact that money is coming out of my acct unplanned. when other items i planned for are being taken out. Diversitied Consultants lied to me and caused me undue hardship. they can not be trusted.. I have many times made arrangements with other creditors like this, taking out funds on a future date. I have never trouble like this before.
Consumer complaint received 2023-08-31
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (FL)

I called Wilshire Consumer to pick up my vehicle due to a domestic incident with my estranged husband who had my vehicle towed for illegal parking. They do business with Westlake financial. I tried to refinance the loan with them to assist me with retrieving the vehicle but they denied me, but offered to pick the vehicle up for me. It took them so long for Westlake to get my vehicle that the towing company where it was located had made attempts to auction my vehicle. Once Westlake got my vehicle I had to pay almost {$2000.00} to get it out of their possession. They vehicle paint was damaged and undrivable because they had took my vehicle out of my name and put it in the name of Wilshire and they refused to send me any paperwork to register my vehicle. I am the sole owner of my vehicle and I have in my possession the title. The vehicle is no longer operational.
Consumer complaint received 2024-01-25
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. (DE)

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 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 2016-08-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Complaint Description : Nationstar is basically making it impossible to finalize my HAMP loan modification after doing everything they said. I received a pay cut of about XXXX % back in XXXX 2015 and my wife ( at the time ) lost her job in XX/XX/XXXX. At that time, I applied for a loan modification. Made all trial payments on time, and since XX/XX/XXXX, there is always a reason they can not finalize it. Now, we had agreed if I made a payment by XXXX XXXX, and another by XXXX XXXX, they could finalize it. On or around XXXX XXXX, I scheduled my payment my payment to be taken from my account on XX/XX/XXXX. I was then told they needed a code and could not process the payment and would call me back. After not receiving a call, I called them and told me I needed to speak with my loan specialist. The problem is, Ive never been able to get a hold of her, even after numerous messages. When you call Nationstar, it goes to her voicemail everytime and you have to press 0 to speak to a representative who knows nothing about my case. I kept calling saying I need to make a payment and once again, someone would call me. So I logged online to try and pay and for they first time every they blocked me from making a payment online. The thing is, I got a new job and could easily make the payments, but it seems like they just want to foreclose and I 'm not sure why. What they are doing is wrong-I 'm trying so hard, but they are literally making it impossible. If I was n't paying a divorce attorney, I would get one because there is no way they are following legal procedure.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was a victim of identity theft. There are inquiries on my Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
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. (FL)

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 : 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 XXXX XXXX Account number XXXX account XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number 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 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. 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 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. I am writing to dispute an unauthorized inquiry on my credit report. Im requesting a copy of the original contract of the debt in question. I never signed to have permission to have personal information it states this is a violation of the FCRA 15 usc 1681 ( 1 ) which states they have to have accurate credit reporting ( 3 ) credit reporting agencies assumed a vital role in assembling and evaluating credit reporting Also as a consumer you have the right to privacy, you are violating my rights because I never gave your company permission or written consent to have my person information. Im requesting Cease and dismiss and cut off all communications. Reporting information on my credit report is a form of communication.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (VA)

This company is reporting fraudulent inaccurate information on my credit report. My ssn was stolen and used for this account. Please remove it from my credit report as it is penalizing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
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. (FL)

In accordance with the fair credit reporting act account # Account info Account name XXXX  Account number XXXX Account type Unsecured 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-04-16
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: Experian Information Solutions Inc. (GA)

I have been a victim of identity theft over the years after my Wallet with all my personal information was stolen. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently viewed my credit report and found countless errors. I have some personal information that is not correct and several accounts I don't think that they belong to me. There are Charged Off accounts with balances as well. How can that be when it has been charged off and a 1099 was sent to me.. Please see letter attached in this site to dispute the cases I am concerened about
Consumer complaint received 2024-01-25
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. (GA)

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 Account NumberXXXX Account Name : XXXX Account NumberXXXX 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.