davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act Account # XXXX, has violated my rights. 

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

15 U.S.C1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am submitting this complaint on my own behalf regarding inaccurate late payment entries on my credit record. After reviewing my report, I discovered these late payment notations. However, despite sending letters requesting validation over XXXX days ago, I have not received a response from the creditors, and they have failed to provide satisfactory validation for these reported late payments. I kindly request your assistance in resolving this matter promptly.
Consumer complaint received 2023-08-28
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. (MA)

On XX/XX/XXXX, I initiated contact with TransUnion regarding inaccurate information present on my credit report. Despite the passage of time, I have yet to receive a response from them. The discrepancies I wish to address are outlined below, alongside the necessary corrections : Account Details : Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account was never overdue. 
Request : Kindly rectify this erroneous data in my credit report. 
Account Details : Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account was never overdue. 
Request : I respectfully ask for the correction of this inaccurate information on my credit report.
Consumer complaint received 2024-05-26
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. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

I am writing to file a formal complaint regarding my unsuccessful attempts to open an online bank account with several major institutions, including US Bank, XXXX XXXX XXXXXXXX, XXXX, and XXXX. Despite numerous efforts and providing all the necessary information and documentation, I have been unable to open an account with any of these banks. 

I am currently dealing with a serious illness that prevents me from visiting bank branches in person, making online banking my only viable option. Additionally, each bank has run my credit, and I am not in collections nor do I have any issues with my banking score. 

This situation is causing me significant distress and inconvenience, as I rely on having a functional bank account to manage my finances, pay bills, and receive medical payments. It seems these banks are not accommodating the needs of customers who are unable to visit branches due to health issues. 

I would greatly appreciate your assistance in investigating this matter and ensuring that banks provide reasonable accommodations for individuals in similar situations. Thank you for your prompt attention to this urgent issue.
Consumer complaint received 2024-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Based on SPS escrow account history. You can see that SPS was charging more per monthly payment than they had to. Based on SPS ESCROW History for XXXX SPS was charging me {$190.00} when they only needed to be charging me {$170.00}. Due to the fact that the taxes for XXXX total was $ XXXX XXXX {$170.00}. per month. SPS then again in XXXX charged me {$190.00} for escrow when they should have only charged me {$170.00}. Taxes for XXXX $ XXXX XXXX {$170.00}. Then SPS midway added FLOOD INSURANCE which they should have not do to my HOA pays for the FLOOD INSURANCE and SPS was faxes and uploaded thru their system a copy of the Flood Insurance Policy back in XXXX XXXX.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

According to 15 USC 1681 a consumer report does not contain information about transactions with financial institution, which would entail payments.

I was supposed to receive 3 disclosures from the financial institution before they reported information to credit reporting agencies.

15 USC 6801 states that the financial institution is obligated to protect my non public information and not to share it to anyone.

15 USC 6802 states that the financial institution may not disclose information to non affiliated third parties any non public information unless the financial institution provides me with communication that information will be shared.

15 USC 1681 also states that all consumer reports shall not contain information that pertains to transactions or experiences, which payments are transactions.

Further under 15 USC 1681 i did not authorize information to be shared to consumer reporting agencies.

There are three alleged late payments showing on my credit report from the 3 biggest credit reporting agencies, which needs to be deleted based on the laws i stated above, and that i did not authorize these alleged late payments to be disclosed to the consumer reporting agencies.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i was looking over my credit report and saw i had some inquiries on my report that wasn't mine I didnt give these company permission to run my credit. XXXX  XXXX XXXX on XXXX and XXXX XXXX  XXXX XXXX  on XXXX and XXXX XXXX  on XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  on XXXX and XXXX  XXXX credit co on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX .am a vitem of identity theft please delete these inquiries immediately
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (NC)

I am writing to file a formal complaint against STATE EMPLOYEES CREDIT U, regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated.
Consumer complaint received 2023-08-28
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. (TX)

According to 15 USC 1681 a consumer report does not contain information about transactions with financial institution, which would entail payments.

I was supposed to receive 3 disclosures from the financial institution before they reported information to credit reporting agencies.

15 USC 6801 states that the financial institution is obligated to protect my non public information and not to share it to anyone.

15 USC 6802 states that the financial institution may not disclose information to non affiliated third parties any non public information unless the financial institution provides me with communication that information will be shared.

15 USC 1681 also states that all consumer reports shall not contain information that pertains to transactions or experiences, which payments are transactions.

Further under 15 USC 1681 i did not authorize information to be shared to consumer reporting agencies.

There are three alleged late payments showing on my credit report from the 3 biggest credit reporting agencies, which needs to be deleted based on the laws i stated above, and that i did not authorize these alleged late payments to be disclosed to the consumer reporting agencies.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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. (WA)

I have been calling and usps mailing this bank my information to delete the mortgage and or remove it from my credit reports since 1st letter mailed XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the 9th and FINAL letter XX/XX/XXXX. I am attaching the divorce decree that proves i have no legal right to this home and am requesting you remove the account immediately. 

This defaulted late payment account has now hurt my credit score and made me not qualify to buy a home here in my now home state of Washington.
Consumer complaint received 2023-08-28
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. (VA)

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.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (FL)

I am currently facing an issue with multiple debt collection companies that are reporting on my credit report, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have no contracts or agreements with Spring Oaks Capital LLC. 

These companies have not provided any documentation containing my signature that authorizes them to report on my credit or engage in business with me. The following are the specific FDCPA laws that I believe these debt collection companies have violated : 809 Validation of Debts ( 15 U.S.C. 1692g ) : Debt collectors are required to provide verification of the debt within XXXX days of the initial communication. They must send a written notice containing the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the debt within XXXX  days, it will be assumed valid. In this case, the above-mentioned debt collection companies have not provided such validation or verification of the debt. 
807 False or Misleading Representations ( 15 U.S.C. 1692e ) : Debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting to credit bureaus without a legitimate basis and without proper documentation or contract constitutes a misleading representation of the debt 's validity. 
808 Unfair Practices ( 15 U.S.C. 1692f ) : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Reporting a debt to credit bureaus without having the proper contractual authority or verification is considered an unfair practice.

818 Furnishing Certain Deceptive Forms ( 15 U.S.C. 1692j ) : It is illegal for debt collectors to design, compile, and furnish any form knowing that it would be used to create a false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes. 
Given the lack of documentation and absence of a contractual agreement, the actions of Spring Oaks Capital LLC are in violation of the aforementioned provisions of the FDCPA. I am seeking resolution and removal of these erroneous reports from my credit history. 

They are violating federal law and committing fraud by claiming that I owe them any money. They are using fraudulent means to unjustly enrich themselves.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (IN)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the account number on my XXXX, XXXX, and XXXX credit reports this account is inaccurate. This was properly investigated and shouldnt have came back verified and accurate. 

That is false information they are telling me. Account listed below : XXXX has it listed as EXETER FINANCE LLC : XXXX XXXX has it listed as EXETER FINANCE LLC : XXXX XXXX has it listed as EXETER FINANCE LLC : XXXX Exeter finance llc however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit. The ground for removal has also violated my rights under : 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 US.C : 1681 Section 604 A Section 2. 

It also states a consumer reporting agency can not furnish a account without my written instructions Exeter finance llc however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to.
Consumer complaint received 2024-06-27
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: Self Financial Inc. (NC)

Self/XXXX XXXX ( XXXX ) Is Listed As A Charge Off, And the address thats connected to it too is not a place i stay at and need it removed. I Know i can write it off but i just need it off to up my credit score because im unaware of these transactionsand credit report checks they did without my knowledge XX/XX/XXXX Self/XXXX XXXX - ( XXXX ) listed as closed XX/XX/XXXX should be removed off to and is effecting my credit score. stoppage from my bank trying to help me. 
XXXX XXXX ( XXXX ) - ( XXXX ) on XX/XX/XXXX this statement was charged off and should be removed too. 
These three things are putting a tremendous turmoil on my credit score it is effecting me because its extra loops i have to go through and try to figure out when these inquiries should've been off and wiped off my statement because these are unfamiliar too me and something that was not done by my doings.
Consumer complaint received 2024-06-27
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: JPMORGAN CHASE & CO. (OK)

I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. 

The hard inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA. 

Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Without My knowledge or consent, without ever missing a payment, always paying on time and overpaying, this company destroyed my financial portfolio, by lowering XXXX of my XXXX plus lines, XXXX of them to XXXX $ and XXXX to just over what is due on the card from XXXX to XXXX limit with XXXX due. They took these steps without touching base to even attempt to give me a chance to explain not once was I ever reached out to to even let me know there was some resemblence of a problem. Now, this has caused my credit score to go into default, plummeting and causing a chain reaction of cards being alerted to lower my limits, it is showing i owe 90 % of my card instead of 70 %. I was doing fine and they tanked my credit on purpose. The first person i talked to started laughing about it and i had to hang up in anguish. The second person pulled my credit with a hard inquiry leading me to believe i would be able to revert my limits back or at least would have some time or opportunity to build a case to do so. Even after admitting there is no error on my report, they have decided to effectively put me into an emergency situation where my personal loan and my home are being threatened by the drop in my credit score.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank NA.. Close this account on XXXX I have paid this account off. The problem is that this account has surpassed the seven year reporting. But still shows up on all three credit bureau experience, XXXX and XXXX XXXX. why is this account still reporting after seven years? Why hasnt it fell off yet?..
Consumer complaint received 2023-08-28
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CapitalJ Inc. dba Juno (CA)

I have more than XXXX USD deposited in Juno checking account. Starting XXXX, I lost access to my funds. I can not transfer this fund out to other banks. I can not withdraw any money either. 

I am aware of these statements from Juno : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.