davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my Experian, XXXX, or XXXX credit report, and I noticed some closed collection accounts posted on my credit report : XXXXXXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,
Consumer complaint received 2024-05-18
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. (DC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2018-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AS)

My Name is XXXX XXXX XXXX, on XX/XX/2018 I wired {$80000.00}, XXXX to XXXX XXXX XXXX XXXX Account number XXXX and routing number is XXXX from my account in XXXX XXXX XXXX account # XXXX not knowing that someone have hack into the email and change the account number. I went to Wells Fargo to file a complaint, they suggest me to call their 800 number and talk to wire department. when I call them this morning they said they can not do anything because i don't own the account and they are not willing to put a note of suspicious activity with this on this account so no one can be harm again, because I have receive another email telling me wired it to different Wells Fargo account. # XXXX which does not belong to XXXX XXXX XXXX XXXX. They are kind of arrogant first they accept wired money which name and account does not match, yet they don't want to help me prevent other people from being a victim.
Consumer complaint received 2023-07-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

This is not a struggle to pay mortgage, but it's the closest option from the descriptions provided. 

Based on the divorce decree, a court order was given to remove the ex-wife from the mortgage. I contacted PennyMac ( XXXX XXXX ) to start the process by end of XXXX. They asked me for the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and 6-month Bank Statements. I sent all the required documents in XXXX of XXXX. PennyMac called me and asked me to remove the ex-wife from my personal bank then re-send 6-month statements. This required me to wait for 6 months after the removal of my ex-wife from the personal bank account. On XX/XX/XXXX, I sent the 6-month bank statements believing it was the last step, per PennyMac. PennyMac called me a few days later and asked for XXXX XXXX XXXX  ( again ). On XX/XX/XXXX, I resent the proof of insurance thinking again it would be the last step. PennyMac called me and asked for {$100.00} to be paid to finalize process. I excitedly paid the {$100.00} believing it would finally put this topic to rest. PennyMac called me again a few days later and asked for proof of residency. On XX/XX/XXXX, I sent copies of Driver License, W2, Bank Statement, and a Bank Notice. On XX/XX/XXXX, PennyMac contacted me and asked for either a utility bill or a credit card bill. On XX/XX/XXXX, I sent PennyMac a credit card bill. On XX/XX/XXXX, PennyMac called me and asked for a utility bill ( even though they gave me the option between a utility bill or credit card bill earlier ). 

I am now under the impression that PennyMac is intentionally putting hurdles in front of this process. During their calls in the last few months, they continued to offer me refinancing ( as a quicker way to process the request ). Of course I refuse to refinance during this period when rates are much higher - mine has been at around 3.275 %. I am losing trust and confidence in PennyMac and am not willing to fulfill further requests to execute the court 's order, because I believe I fulfilled all what they asked for multiple times without use.

I am not sure if this complain will help in persuading PennyMac to fulfill the court 's order especially that my ex-wife has been waiting for it so she can buy her own house. Thank you!
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-06-28
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. (DE)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-03-27
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-03-27
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. (MD)

The Credit reporting agencies XXXX, XXXX, and Transunion gave out or sold my PERSONAL PRIVATE address which I ONLY UPDATED WITH THEM. 

NOBODY ELSE HAS THE ADDRESS and now, I am being harrassed by XXXX XXXX XXXX AT MY NEW ADDRESS. 

I WAS NEVER IN CONTRACT WITH XXXX XXXX XXXX  NOR DO I WISH TO BE IN ANY CONTRACT WITH SAID COMPANY. 
THEY RECEIVED SEVERAL CEASE AND DESIST LETTERS AND I HAVE TOLD XXXX, XXXX, AND TRANSUNION AND THEY CONTINUE COLLUDE TO CAUSE ME HARM.

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 s

even years. '' This account is an adverse item that needs to be deleted. THE FRAUDULENT COLLECTION ACCOUNT FROM XXXX XXXX NEEDS TO BE DELETED IMMEDIATELY. THERE IS NO NEED FOR YOU TO CONTACT THEM BECAUSE THEY HAVE NOTHING TO DO WITH THIS MATTER. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

I DO NOT CONSENT TO XXXX, XXXX, TRANSUNION SHARING MY INFORMATION WITH THIRD PARTIES.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : I recently received a copy of my XXXX, Equifax, or XXXX credit report, and I noticed some closed collection accounts posted on my credit report : *XXXX XXXXXXXX Account # XXXXXXXXXXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,
Consumer complaint received 2023-08-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (VA)

I ordered two XXXX  gift cards from XXXX in XXXX and totally forgot about them. Recently I found them and planned to use them. I was able to activate one of the gift cards, but not the other. The problem is a dilemma : the XXXX gift card has expired, so it couldn't be activated ; since the card is not activated yet, it has no funds applied to it and I couldn't get a replacement card. 

I contacted both the merchant XXXX  and the card distributor Blackhawk Network/GiftCardMall.com , but both parties just passed the buck to each other : XXXX said since the card is managed by GiftCardMall, I should ask them for help ; GiftCarMall said since the card is not activated, I should contact Staples. 

Below are the actions I have taken so far : On XX/XX/XXXX, I called Blackhawk Network/GiftCardMall.com to activate the card and couldn't activate it. 

On XX/XX/XXXX, I called XXXX and an associate asked me to call the number on the back of the card and ask for a replacement card. 

On XX/XX/XXXX, I called the number on the back of the card and was told that the card is not in their system since it has not been activated. They asked me to contact XXXX. 

On XX/XX/XXXX, I chatted with XXXX, and was asked to contact Blackhawk Network/GiftCardMall.com at XXXX. 

On XX/XX/XXXX, I called Blackhawk Network/GiftCardMall.com at XXXX, and the CSR first escalated the case to his manager and then his manage transferred me to another department. This department then transferred me back to XXXX. Finally, XXXX transferred me to Blackhawk Network/GiftCardMall.com again . 

To summarize, I paid this XXXX gift card for {$200.00} and the terms and conditions say that the funds never expire, but now I get nothing!
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: EQUIFAX, INC. (TN)

I am a victim of identity theft. I have filed the correct paperwork and sent it to the credit reporting agencies. They have not processed it correctly and have not attached the paperwork to my disputes correctly per the FCRA. Also, I have asked for copies of the verification per the FCRA and not gotten that. 

These are the accounts.. 

Bank XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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. (DC)

XX/XX/XXXX, I was approved for a loan with XXXX XXXX, through XXXX. A few days later, I received an email from XXXX that XXXX XXXX Bank would be the bank servicing my loan. 

When I was approved for the loan, I was told by XXXX XXXX that the loan would not be reported to the credit bureaus. Subsequently, in my multiple conversations with XXXX XXXX XXXX, it was always confirmed that my loan would not be reported to credit bureaus. 

As recently as last month ( early XX/XX/XXXX ), I was told by a representative from XXXX XXXX XXXX, that my loan would not be reported to the credit bureaus. On XX/XX/XXXX, I saw that my loan with XXXX XXXX XXXX  had been reported to the credit bureaus. I called XXXX XXXX XXXX  to inquire about this and was told that as of XX/XX/XXXX, they had started reporting all loans to the credit bureaus. The reporting is from the disbursement date of the loan. 

Not only did I not give XXXX XXXX XXXX  permission to report the ongoing status of my loan to the credit bureaus, I was assured on multiple occasions that the loan would not be reported. One representative even said to me, " I see that you asked us this question before. Please rest assured that we do not report to credit agencies. ''
Consumer complaint received 2023-08-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I attempted to deposit a check from a brokerage account ( XXXX XXXX ) into a Savings account at Citizens Bank and the check was placed on a hold for 2 weeks. 3 days later I attempted to transfer funds from 2 of my Savings accounts at this bank to a Checking account and the transfer was rejected and my accounts were frozen. The customer service has been unresponsive. Meanwhile I will be unable to pay my credit card bill due to inability to access my funds.
Consumer complaint received 2024-03-27
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. (NC)

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 2024-03-27
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. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have2 resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX Resident type Single family ( this is not a valid address ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family ( this a previous family address ) " I have never lived at this address/this is not my form Address
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX has an account with inaccurate information wothout my written consent. 

XXXX has violated 15 U.S.C 1681 sec 602 A : A right to privacy. 

I am a victim of indentity theft and this account leaves room for exposure.