davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (NE)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5900.00} XXXX  XXXX  XXXX Balance : {$27000.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX  XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$4000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXXXXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Credit bureau is reporting same account twice which is a clear violation of my rights under FCRA. I am entitled to accurate reporting under FCRA and where a reporting company fails to abide by this factual requirement, inaccurate information must be deleted. 

account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NV)

I did a balance transfer on a chase credit card. I still use that card for transactions. I made an over payment to pay off the high apr transactions. The next month I did the same thing provided an over payment to pay off high apr transactions. They applied the overpayment of each transaction to the low apr balance transfer and not to the high apr transaction amount. Thus my balance transfer decreased by the amount of the over payment and they increased and rolled over the amount of my high apr transactions. 
Improperly allocating payment per the credit card act of XXXX. My low apr balance transfer amount decreased by XXXX and not by XXXX which is the minimum payment that should have been allocated to the low apr balance. Now my high balance increased and they explained I cant pay it off with out paying the total balance transfer off first. I called XX/XX/XXXX to rectify the issue. They said they would make a ticket and I would hear back in a week. I did not receive correspondence regarding complaint. I called back XX/XX/XXXX. Found out the failed to submit the ticket. Then proceeded to explain there is no way to pay down the high apr amount and would not provide written disclosure of payment allocation. I cited fair credit card act of XXXX. The still would not provide clear communication on how the payments were allocated.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 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 XXXX 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 2024-08-13
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc. ()

I did a transaction on XXXX of XXXX XXXX XXXX, on the same day itself due to exchange value increased, i cancelled this transaction to do another transaction. 
1st transaction, ( cancelled by me ) but the funds deducted from my account, when i called the remitly, they said funds are safe with them it take XXXX days to process. Today on XX/XX/XXXX when i again called them, they said they never received the funds from my account. 
They are so confusing and frustrating, please help
Consumer complaint received 2024-07-15
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. (MD)

My repeated efforts to correct the false, inaccurate, and misleading entries on my consumer report have been unsuccessful. These erroneous records have significantly disrupted my life, causing substantial distress. As an identity theft victim, I must emphasize that I never authorized or consented to have this information associated with my name.
Consumer complaint received 2024-04-29
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. (NC)

i recently reviewed my credit report and i seen there were card accounts and noticed XXXX credit card accounts and a loan account : matco tools i did not apply for or authorize and hard inquiries which violate my rights under 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer information regarding ; except as provided in section 15 USC 1681g ( 2 ) ( 5 ) of title, a consumer reporting agency shall not furnish ti any person a record of inquiries in collection with a credit or insurance transaction that is not initiated by consumer
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: EQUIFAX, 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 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 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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXXXX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Call came in on XXXX at XXXX XXXX from phone # : XXXX and it was a live human female telling me that someone applied for a Bank of America credit card in my husbands name but from a different address than where we resident. We live in XXXX and this address she gave was XXXX, TX. This is 100 % a scam and needs to be reported as they were extremely aggressive with the scam. They even attempted to call me back multiple times after hanging up.
Consumer complaint received 2016-07-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

In early XXXX, I submitted a complaint to CFPB regarding the refusal of Nationstar Mortgage to make a good-faith effort to modify my home equity mortgage, which carries an interest rate of 6.5 percent. Nationstar 's response is to stonewall and conduct a sham process apparently designed to give the CFPB the impression that the company is being responsive. In fact, just the opposite is the case. On XXXX XXXX, 2016, I received a form letter from Nationstar dated XXXX XXXX, 2016 asking me to submit the detailed application for a loan modification. Even though I had previously completed such an application months earlier, I completed the application again and mailed it in the postage-paid envelope that Nationstar provided. I 'm quite confident it arrived at Nationstar by the stated deadline of XXXX/XXXX/16. 
On Monday, XXXX/XXXX/16, I received another copy of the same letter and packet, this time stamped " Final Request. '' The letter was dated XXXX/XXXX/16, and stated the deadline to complete the application and have it received by Nationstar is XXXX/XXXX/16. In fact, the process is a sham to conceal Nationstar 's refusal to make a good faith effort to modify my mortgage and likely many, many others. I have attached copies of the XXXX letters and a copy of Nationstar 's acknowledgement of the previous CFPB complaint that I submitted. It appears that Nationstar has found it can mollify the CFPB with the appearance of responsiveness, but with no substance or truth behind the facade.
Consumer complaint received 2023-03-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX  I made a call to Wells Fargo Mortgage regarding my loan # XXXX being paid off. They were already aware that the house was being sold as the escrow officer requested a payoff statement few weeks prior. When I called on XX/XX/XXXX to stop the payment on my XXXX payment for {$6600.00} ( it was set up to be withdrawan from my Wells Fargo checking account ), the person who helped me with the phone told me that she could stop the payment, and told me to call back in a few days to get the " fee '' ( {$25.00} I think ) to be reimbursed. And I was told that I would be receiving in the check amount of approx {$18000.00} from my escrow balance. 

Meanwhile, when I made an inquiry again on the phone on around XX/XX/XXXX, I was told that Wells Fargo took {$6600.00} as my XXXX mortgage payment from the escrow balance so I only would be receiving around {$11000.00}. I explained that it was not what I was informed previously, and they should not take XXXX mortgage payment when loan was paid off on XX/XX/XXXX. She then told me that they would be reviewing and I would be receiving the communication later. 

Then I suddenly received the check from Wells Fargo in the amount of {$11000.00} ( attached ). It is NOT the amount I am entitled to received from my escrow balance. As XXXX statement shows ( attached ), I had {$18000.00} as of end of XX/XX/2023. When loan was paid off on XX/XX/XXXXXXXX, I should be receiving the full amount. Instead, Wells Fargo took {$6600.00} out of my escrow balance.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (NC)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2024-04-22
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 RECENTLY SENT LETTERS TO ALL 3 CREDIT BUREAUS ABOUT MY INFORMATION BREACHED. AND THE INQUIRIES ARE NOT MINE AND THEY STATED THEY VERIFIED THE INFORMATION AND THERE IS NO WAY THEY DID. However the credit bureaus said they completed the investigation and everything was 100 % accurate. After I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies did not make sure the reporting was 100 % correct. 

UIn accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency was obtained directly from a creditor of the consumer or from the consumer. 
did they complete their investigation with proof? It seems I am a victim of identity theft
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian has not updated my credit report. XXXX and XXXX have updated all my credit reports since paying off most of my credit cards, as this increased my XXXX XXXX. I've notified Experian about my accounts and my name change. My credit score is XXXX points lower than the other credit bureaus. I can't believe if I sign up for Experian XXXX or upgrade your membership my score goes up. XXXX and XXXX don't work that way, your score is according to the creditworthiness. Why is Experian allowed to base our credit score according to our membership status. This should be illegal and taking advantage of consumers.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Ensuring timely payments for this account has been a priority, preventing any lapses into overdue status. The reasons behind the appearance of late payment remarks on my accounts are unclear to me. According to 15 USC 1666b - Billing Error, rectifications should be made.