davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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. (GA)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 2023-05-29
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: EQUIFAX, INC. (NJ)

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. I informed XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ) ( XXXX ). However they stated everything was complete and accurate. That is impossible if the open date, balance, date of last activity and a few more items are incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isnt reporting 100 % accurately or repotting incorrect.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604A.2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 7 years.
Consumer complaint received 2023-12-27
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. (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. 

Account Name : XXXX Account XXXX : XXXX has violated my rights. Or 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 2023-09-02
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. (PA)

This is a Request per Title 15 USC 1681i Request for description of Procedures used to Determine Accuracy and Completteness of information verified that I disputed XX/XX/2023 via CFPB Complaint database # XXXX and they were verified XX/XX/2023. 

Please provide evidence of your reasonable procedures that you used to come to such conclusion that this information is verified. 

Who did you talk to? 
When did you talk to them? 

Please give me the names of individuals that you spoke with. 
Please provide their addresses and telephone numbers in accord with FCRA Title 15 1681i Description of Reinvestigstion Procedure ( 6 ) ( B ) ( iii ).

I disputed regarding my Privacy Rights being violated under 15 US Code 6802 The Gramm Leach Billey Actt ( GLBA ) which states a federally protected consumer like myself should be given clear and conspicuous disclosure regarding NOTICE that I have a right to Opt Out or Opt In to credit reporting before my non public personal information is disseminated to non affiliated third parties.

Additionally, the LAW also states I have to give PERMISSION before my non public personal information is transported to consumer reporting agencies etc.

I gave no one at anytime PERMISSION!!

Please provide your procedure leading up to these accounts being verified These companies are financial institutions as defined under Section 1843 ( k ) of title 12. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (RI)

This account was opened in 2014, I never received any card nor any communication from the company. The credit card was never used nor were there any charges ever filed on this account. The card was never used because I never had custody of this credit card. I've asked numerous times to remove the card from my credit report because it's hurting my credit score. The Credit Card company eventually closed the account due to inactivity but never removed it from my credit report and continues to report it to credit rating companies; including : XXXX, XXXX, and XXXX. This has caused me to lose a job opportunity with XXXX XXXX due to many closed accounts. 

This account needs to be immediately removed from my credit report meaning a full deletion because I never used this card and who ever opened the account never charged anything either.
Consumer complaint received 2023-04-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (IL)

My Wells Fargo Home Mortgage was in default by 60 days but wasnt in foreclosure. My wife made an electronic payment to Wells Fargo on XX/XX/XXXX and XX/XX/2023 which brought our home mortgage account up to current status. On XX/XX/2023 i stopped at my old home address XXXX XXXX XXXX XXXX Illinois XXXX, i found a red notice glued to my front exterior storm door that said this property was inspected and action will be taken to prevent further deterioration and new locks will be installed. I called XXXX and a Wells Fargo contracting company answered, XXXX XXXX XXXX XXXX is XXXX- inspection # XXXX, they told me even though i lived at this address for 15 years this is a FHA loan and Im required to live at this property permanently. My back gate had the lock remived and the gate was left open. This is appalling and unacceptable, i told them this property belongs to me and this is trespassing, loaki asset told me Wells Fargo can inspect my home anytime they want.
Consumer complaint received 2023-11-07
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. (NM)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (TX)

Comenity BankXXXX is attempting to collect a debt that is fraud/erroneous. I had an open account with this company but never charged services. 

I filed an official dispute and sent proof that I didn't have a debt/balance with the company, and since then ( over 90 days ) have chosen not to get back to me within that promised 90 day time slot. They are still truing to collect even thought the account is in dispute. Their dispute/fraud department will not take my calls and frequently hang up the phone when I call them. 

They are ruining my credit because i refused to make payment on money I never borrowed.
Consumer complaint received 2024-05-10
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. (TN)

This company is in complete violation of my rights. I was never late on this account and it is reporting inaccurately. This company is reporting that in XX/XX/XXXX I was XXXX  days late. In XXXXXXXX XXXX XXXXXXXX, I was late 60 days. Then in XX/XX/XXXX, I was late XXXX  days. How can that b

e? I was never late on this account as I have it on automatic payments. Also, I have sent several letters for this company to update this account. Please update this to was never late. Paid as agreed. 

Account : XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-12-27
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. (GA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (MN)

My email was used to set up a chime account. I called them and told them money was being sent to someone. And that I did not set up a chime account. I was assured it would be fixed and my email would be removed. 
I am getting another email that another account is being set up under my XXXX. so they have not fixed this issue. I do not want to be responsible for paying back money I did not transfer. 
I can not believe this company does not verify emails belonging to people
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Re : Dispute of Inaccurate Account Reporting by XXXX XXXX Dear TransUnion Dispute Team, I am writing to formally dispute and request the removal of an inaccurate account reported on my credit report by XXXX XXXX. I have no knowledge of this account, and the reported information contains significant discrepancies that are negatively affecting my creditworthiness. 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Opening Date as per TransUnion : XX/XX/2020 Opening Date as per XXXX : XX/XX/2020 I want to emphasize that I have never opened or used an account with XXXX XXXX. The inaccuracies in the reported opening dates and the existence of this account at all raise concerns about the fairness and accuracy of the information provided to credit reporting agencies. 

The Fair Credit Reporting Act ( FCRA ) places an obligation on credit reporting agencies to ensure that the information contained in credit reports is accurate and up-to-date. Discrepancies and inaccuracies in credit reporting can have a substantial impact on an individual 's creditworthiness, which is why it is crucial that such information is reliable.
Consumer complaint received 2023-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I have my mortgage on automatic payment I realized I had more.money then usual in my account and that my mortgage wasn't paid. 
I looked on the site didn't find any mail because I have paperless account With and explanation. 
I called i.was told I am on certified funds. 
I ask what that meant and if something could me mailed to.me with and explanation and directions to.pay I was told that I couldn't be emailed direction but I can directly threw my bank. 
So I attempt to pay twice with check from.my bank that take the money out automatically to send. 
The payment was returned twice. 
I called again I was told no I can only pay by XXXX XXXX but they can.only tell me the code and not send me anything in writing. Now I have late fees because of lack of proper communication.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Amsher Collection Services, Inc. (FL)

The company is called AmSher. They will not disclose what the debt is about or respond. They are now calling me at XXXX oclock at night. I asked them to stop calling. They also call repeatedly and on the weekends.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX of 2023 I contacted XXXX XXXX to check if there was a credit card opened in my name after I received a card in the mail with my name on it. XXXX XXXX informed me that I was {$1400.00} in debt for a {$1300.00} credit card. I informed XXXX XXXX that it was fraud & to close the card. I then sought legal counsel and was instructed to have XXXX XXXX file a dispute and open an investigation because I did not authorize the account to be opened and never agreed in any form to be responsible for the card. I successfully faxed over an 'Identity Fraud Information Form ' in XX/XX/2023 which XXXX XXXX states was illegible but never informed me of the document 's illegibility until XX/XX/2023 after XXXX XXXX informed in XXXX of 2023 that I would be held responsible the credit card account. I asked XXXX XXXX to send me the affidavit/agreement that was signed showing that I authorized the account or agreed to be responsible. XXXX XXXX agreed to send me information within 30 days but later denied to send me the info.
Consumer complaint received 2023-12-27
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX has not given me my credit file or payments I know for a fact payments are incorrect as I had no money to pay anyone so I would like to valid the credit and payments as I stated before I was in jail on XX/XX/XXXX until XXXX so please allow me to validate the date I provide your company with court papers stating of my location I also requested validation of debt which company refused this is illegal you have a responsibility to make sure companies are following the law in which they subject cunsomers to reports threw your reports.. please check the facts
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION (CA)

I am writing to bring to your attention an issue I have encountered with XXXX regarding inaccuracies in my credit report. Despite multiple attempts to rectify the situation, XXXX has failed to remove outdated and inaccurate information and update my correct address on my credit reports. 

I have identified several discrepancies in my credit report, including outdated accounts and personal information that no longer reflect my current financial status. Despite submitting documentation and following the appropriate dispute procedures outlined by XXXX, the inaccuracies persist. 

Furthermore, my correct address has not been updated on my credit reports, which has led to confusion and potential issues with creditors and lenders. I have provided XXXX with the necessary documentation to verify my current address, but they have failed to make the necessary updates. 

These inaccuracies are having a detrimental impact on my financial standing and could potentially affect my ability to obtain credit or secure favorable terms on loans and mortgages. I have made numerous attempts to resolve these issues directly with XXXX, but they have been unresponsive and unwilling to address the matter satisfactorily. 

I respectfully request that the Consumer Financial Protection Bureau intervene in this matter and assist me in resolving these inaccuracies with XXXX. I believe that XXXX is in violation of the Fair Credit Reporting Act by failing to ensure the accuracy of the information contained in my credit reports. 

I have enclosed copies of relevant documentation, including correspondence with XXXX and proof of my correct address, for your review. I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy and integrity of my credit reports. 

Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX