davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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. (AL)

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. 

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 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 2023-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Victim of Scan/Fraud Dear Consumer Financial Protection Bureau , I am writing to report a Scam/Fraud. On XX/XX/XXXX, I received a notification from XXXX of a website regarding an auto action. That same day I registered on the website of following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX On XX/XX/XXXX, I made a bid for a XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a call from XXXX and I was notified that I was the winning bidder for {$37000.00} and I was given wire instructions to wire {$37000.00} to the following : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Registered Agent Name : XXXX XXXX XXXX Bank Name : Bank of America XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX Routing Number : XXXX On XX/XX/XXXX, I authorized XXXX XXXX XXXX to wire funds to Bank of America for I believed I won a car through a legit auto auction and paid in good faith. I notified, XXXX at XXXX that I had wired the funds, and I was emailed a notification that the car would be delivered to me on XX/XX/XXXX, between the hours of XXXX to XXXX. Later I found on the Night of XX/XX/XXXX, that the website of XXXX no longer existed. On the morning of XX/XX/XXXX, I called XXXX at XXXX XXXX and to this day no one has returned my calls. 


I am asking Bank of America to protect me as a consumer. They opened an account to XXXX XXXX XXXX XXXX XXXX, which was registered to XXXX XXXX XXXX, which is a Scam. I in good faith wired funds of {$37000.00} to purchase a car that I won from an auto auction that I believed to be legit. Which turned out to be a total and complete scam. Please reverse the wire and send funds back to my XXXX XXXX XXXX account for {$37000.00} for I am a victim of fraud and should not have to take a loss for a scam that started in your bank. 

Please note I have filed a complaint with Federal Trade Commission, report # XXXX and the XXXX XXXX XXXX Department, report XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FBI, Federal Reserve , Office of Comptroller of Currency , and XXXX XXXX XXXX XXXX Please reach out to me at XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items to be deleted are listed on my uploaded dispute documentation. The information I have listed on my dispute letter does not belong to me and I would like this information investigated and the items removed as soon as possible.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

SENT CERTIFIED LETTERS TO ALL 3 BUREAUS TO UPDATE ALL MY PERSONAL INFORMATION ON MY CONSUMER REPORT. THEY ARE ALL REPORTING FAKE ADDRESSES/NAMES/EMPLOYEEMENT THATS HURTING MY CONSUMER REPORT. ALL WERE NOTIFIED OVER 30 DAYS AGO CORRECT INFORMATION NAME : XXXX XXXX XXXX EMPLOYEEMENT ; XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX
Consumer complaint received 2024-05-28
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)

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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, I had a XXXX card which i had closed in XXXX. They had agreed to remove this account from my credit reporting profile as long as I paid in full which i did. For some reason they never did this. I recently tried to call in XX/XX/XXXX they said they would remove it and stilll have not done so.
Consumer complaint received 2023-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Approved for HAF program ( Homeowners assistance fund ) months ago under The CARES-ACT signed into law by XXXX XXXX on XXXX XXXX. US Bank Mortgage delays posting payments by weeks now over a month from receiving funds from the Government, incurring late fees and reporting late payments to credit bureaus while having the money in their possession. US Bank Mortgage received government funds for XX/XX/2023 Mortgage payment of {$1900.00} on XX/XX/2023. To date payment has not been applied, charged a {$40.00} late fee, and reported late Mortgage payment to all 3 credit bureaus. After assuring me it would not be reported it has now effected my credit score and excellent payment history. Receiving non-stop collection calls for XX/XX/2023 payment they already have since XX/XX/2023. XXXX payment still not applied either. Company assures me account has notice on it that we are HAF recipients and should not be getting collection calls and late fees shall be reversed when they get around to posting it. Been told their company is not set up to process all the HAF funds in timely manner. Their claims are their system not set up to handle these issues on posting payments when received. Online account does not show moneies received until they finally post well after grace period. This prompts calling them every month to confirm monies already received. This is effecting millions of Americans credit due to their inefficiency to provide service. The Governent website states " The Homeowner Assistance Fund ( HAF ) is designed to mitigate financial hardships associated with the XXXX pandemic by preventing homeowners mortgage delinquencies, defaults, foreclosures, and displacements ''. This is not the case. They receive the money and inability to promptly apply payments has caused delinquency. Resulting in credit reporting at no fault of account holder.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
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: BTH Management (TX)

I am writing to complaint to PLAZA SERVICE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1977. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I recently open my restaurant on XXXX. On XX/XX/2019 i saw a charged on my account for {$200.00} i called the bank they open a case and cancel my card. I was told that i will recieved a new card im 5days new card was never recieved. On XX/XX/2019 The bank contacted me a weeek later and advised me that my chase was resolved and my funds was put back. I explain to the agent i still have not recieved my card, agent apologize and told me that i would be recieving a new card the next, the card never came after i closed my restaurant on the next day i had to go to XXXX to purchase some items fpr my restaurant i tried used my card to pay for the items and the card decline i taught to myself that not possible i had ovef {$2000.00} on my account and another {$1600.00} in my business account ( my personal and my business account are under the same umbrella ) i paid the items cash and once i got my my car i open my chase app and relize over {$2000.00} was transfer and i look ad my business account and it was transfer over to my business account from the the person stsrted swipping my card for {$600.00} {$750.00} {$600.00} several charged up to {$3900.00} i contacted the bank after being transfer several times i finally got someone to help me the agent open a claim. The next day my funds was returned a week later chase took my funds again, and this time the agent said it was me that did it and the not giving me my money back.for 3 weeks now my business have being shut down because my business account is overdrawn. I was told since its my card and my pin that was used it was me, but i explain thwt i never received the new card. I went to the police department file a report report my business in XXXX  XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-09
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. (FL)

I am writing to officially dispute information within my consumer report, as provided by your agency. Upon reviewing a copy of my consumer report, I discovered that non-public information about me has been disclosed to a non-affiliated third party without my written consent, potentially violating the provisions outlined in 15 USC 6802. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure in question raises concerns about my privacy rights, as I was not provided with an opportunity to opt-out, as required by law. 

Upon reviewing the report, I noted that certain accounts are being reported without my explicit written consent. I want to clarify that my dispute lies not with the creditor but with your reporting agency for disclosing and reporting information without proper authorization. 

Referring to 15 USC 1681b - Permissible Purpose, which mandates consumer written consent for the reporting of personal information, I have not provided such written consent. I kindly request that you provide evidence of my consent to ensure compliance with this legal requirement. Failure to furnish proof of my consent may be interpreted as a violation of my rights under the FCRA. 

I have also filed a report with the Federal Trade Commission ( FTC ), and the reference number for my complaint is XXXX. I believe that the unauthorized disclosure and reporting of my personal information may potentially constitute a violation under 18 USC 1028a, resembling a form of identity theft. 

In accordance with 15 USC 1681c-2, I am formally requesting the removal of the following accounts from my consumer report within four business days from the date of this letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I assert my right to a fair and accurate credit reporting process, and I believe the prompt removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records proving that I was provided with the option to opt out of the information being reported in my consumer report. This request is essential to ensure your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Failure to comply with the provisions of the FCRA may result in further legal action. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-06-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to bring to your attention a matter of significant concern regarding a fraudulent Bank of America credit card account that was opened under my name on XX/XX/year>. Despite repeated attempts to rectify this situation, I have encountered numerous obstacles and have yet to receive satisfactory resolution. 

The fraudulent credit card account in question was opened without my consent, and subsequent to its unauthorized opening, it was never closed properly and remains charged off with a balance of {$66.00}. This unauthorized activity has had a profoundly negative impact on my credit score, creating substantial financial and emotional distress. 

Despite my diligent efforts to dispute the validity of this account, it remains unresolved, casting a shadow over my financial reputation. My attempts to seek assistance from Bank of America have been met with frustration, as they claim to be unable to locate the account or provide any meaningful assistance. 

Furthermore, my interactions with the credit bureaus have proven equally unfruitful, as they merely redirect me back to Bank of America without offering any tangible assistance or guidance. This situation has caused me undue stress and financial hardship, as I continue to suffer the repercussions of a fraudulent account that I did not authorize nor benefit from. 

As a consumer who has diligently sought to address this issue through appropriate channels, I implore the Consumer Financial Protection Bureau to intervene on my behalf and facilitate the swift removal of this fraudulent account from my credit report. 

I am hopeful that with your intervention, this matter can be resolved expeditiously, allowing me to regain control of my financial standing and restore my creditworthiness. I appreciate your attention to this urgent matter and look forward to a prompt and favorable resolution. 

Thank you for your time and consideration.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX  XXXX XXXX Balance : {$2200.00} XX/XX/XXXX XXXX XXXXXXXX Balance : {$4900.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$2800.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$7100.00} XX/XX/XXXX XXXX XXXXXXXX Balance : {$8300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX Balance : {$1200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-06-05
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)

I reviewed my consumer reports and noticed had i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have provided proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to paid as agreed on time as they should. this is negatively impacting me and my family trying to purchase a home and is unacceptable. ( see SS below for months XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ) also, this company has changed its reporting back date multiple times causing a lot of people to miss payment
Consumer complaint received 2024-07-22
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I am a consumer by law. My credit report has false and unfair reporting that is damaging my ability to get an apartment for my kids. Of course I am upset about this so I ask that this false information get removed from my report.