davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-14
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)

Concerns About My Personal Info Being Shared Without Permission Hello, I hope you're doing well. My name is XXXX XXXX, and I need to talk to you about something important regarding my credit report. 

I noticed that some of my personal information was shared with another party without my permission. This doesn't seem right, and I believe it goes against the rules in the law ( 15 U.S. Code 6802 ) about sharing personal information. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to know and control who accesses my personal details. The fact that my information was shared with someone not connected to your agency raises concerns about my privacy rights. I never had the chance to say no to this, which the law requires. 

I want to be clear that my concern is not with the companies I owe money to but with your agency for sharing my information without asking me. 

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal information. Since I haven't given that permission, I'm asking you to show proof that I agreed to it. If you can't, it might mean a violation of FCRA rules. 

I've already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried that this unauthorized sharing might be a form of identity theft ( 18 USC 1028a ). 

I officially request you to remove the following accounts from my credit report within four business days : XXXX XXXX - Account Number : XXXX ( this account has multiple errors from XXXX to XX/XX/2022, showing a repetitive late payment of 90 days, violating 15 USC 1681eb and inaccurate reporting ) XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX I have the right to fair and accurate credit reporting, and fixing these mistakes is crucial for the accuracy of my credit report. 

Also, I need you to explain how you verified that the information you have is accurate and that I had the chance to decline it. This is important for fairness and accuracy in credit reports. 

I hope we can resolve this matter within the specified four business days. If not, I might have to consider legal action. 

Thank you for addressing this promptly.
Consumer complaint received 2024-01-14
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: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America account number XXXX is a fraudulent account with total fraudulent charges up to a high balance of : {$4700.00}. Its now listed on my XXXX credit file as a paid charge off. Bank of America also commited tax fraud through the IRS by listing a charge off date of : XXXX. I challenged this with the IRS and won. Bank of America sent a letter which ill include in the CFPB complaint listing the actual charge off date as : XXXX. In addition, im a verified victim in the recent XXXX data breech. this fraudulent account must immediately be removed from my XXXX credit report.
Consumer complaint received 2024-01-14
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: EQUIFAX, INC. (GA)

There is an account listed as XXXX XXXX located on my credit file that does not belong to me. Ive disputed this account with the bureau ( XXXX ) numerous times advising them to provide me documentation proving that it belongs to me and they have never provided documentation. The account is fraudulently reporting and violating my consumer right to accurate reporting. Ive attached a previously filed police report and FTC report regarding accounts on my file that I never opened.
Consumer complaint received 2024-01-14
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: EQUIFAX, INC. (GA)

There is an account reporting as XXXX XXXX XXXX XXXX on my report that does not belong to me. The company ( s ) continues to mark this account as verified without providing proof and documentation. The account does not match any information in my personal records ( ex. Address, accurate name, etc ). This account being listed on my file is violating my consumer right to accurate reporting.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive called Bank of America numerous times and went over the status of my account with them before they decided to close it saying that I owe them over {$600.00}. I dont understand why this is happening to me again. I already was a victim of identity theft and i believe i submitted my identitytheft.gov complain number. Im just lo looking to get this resolved with Bank of America as soon as possible as they have now reported me to check systems and XXXX cant even open up a new credit union account.
Consumer complaint received 2024-01-14
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. (DC)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this account to be removed or marked paid for less I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency XXXX XXXX has violated my federally protected consumer rights to privecy 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. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e ) 6 Violations in total
Consumer complaint received 2024-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Transunion, This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable of aggravated identity theft which is punishable for up to XXXX years. 
1. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting XXXX  accurate. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX XXXX Account Number : XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I know that as the consumer, I HOLD ALL THE POWER. As a XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. As a consumer, and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of PROOF OF IDENTIFICATION, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, several times! This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

I request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove.

****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.

Thank you! 
XXXX XXXX
Consumer complaint received 2024-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

I am writing to file a formal Complaint/Dispute regarding the billing practices of XXXX XXXX XXXX and the actions of their third-party debt collector, Medical Revenue Services. Over the past XXXX years, I have experienced significant issues with billing inaccuracies and unfair debt collection practices which have caused me immense stress and anxiety. 

On XX/XX/XXXX, I received XXXX XXXX from XXXX XXXX XXXX. However, despite not receiving any notice, bill, or communication regarding the charges, my account was sent to a third-party debt collector, XXXX and XXXX, just XXXX days later. It took XXXX months for XXXX XXXX XXXX to realize their error in coding and to cease the harassment from their debt collector after my intervention with the Consumer Financial Protection Bureau ( CFPB ). 

In XX/XX/XXXX, I was again sent to XXXX and XXXX for an alleged outstanding balance, despite having established a payment plan and made all scheduled payments. I was informed by a XXXX XXXX representative that their system had experienced a " glitch '' and failed to capture all of my billing information due to a merger. Once more, no billing notices were sent to me, and I was unjustly subjected to debt collection. 

The most recent occurrence, on XX/XX/XXXX, involved the new third-party debt collector, Medical Revenue Services XXXX sending me XXXX bills via email for a total balance of {$580.00}, despite having paid this balance in full on XX/XX/XXXX. XXXX XXXX XXXX failed to communicate the payment information, leading to unwarranted debt collection notices. 

This continuous cycle of billing errors, lack of communication, and unwarranted debt collection has caused me severe physical and mental distress, exacerbating my existing health condition. I request a thorough investigation into XXXX XXXX XXXX ' billing systems and Medical Revenue Services ' unfair debt collection activities to prevent further harm to patients. 

I have also copied this correspondence to the CFPB, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX of XXXX XXXX 's XXXX XXXX XXXX XXXX for their awareness and action. 

Sincerely,
Consumer complaint received 2024-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear Transunion : Im responding to the verified no-change letter you sent me for collection account. 
1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. Did not consent to unauthorized inquiry. 
2. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you Sincerely, XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please move the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/XXXX I opened a bank account with Venmo. I completed their verification in order for my account to be opened and thought everything was okay. Since then I havent used the account until Saturday XX/XX/XXXX. I needed to get a title loan to help pay my bills so I used my Venmo account to receive my funds. I went to get a money order for my rent only for my card to decline twice. So I called the number on the back of the card and talked to a representative and she informed me my account was frozen on XX/XX/XXXX due to violation of terms. But I was confused because I have never used their services until recently. So she sent me an email so I can send in my identification information ie social security card, drivers license and marriage certificate for the name change and they sent me and email around XXXX XXXX  the next morning stating Our records show that you had funds in Venmo that were previously under review in our system, and those funds are now available to be transferred from Venmo to your bank account. 
Please note that you will only be able to transfer the funds in your Venmo account to a bank account using our standard transfer option. Due to restrictions on your account, you will NOT be able to use our instant transfer option. 
So thats exactly what I tried to do. I connected my bank account and it still wouldnt work. I tried another account and it did the same thing so I called to talk to a representative and she was no help so I asked for a supervisor when I called again. He said that everything was sent to the escalations team and I will hear back by XX/XX/XXXX. But I dont have that long I will be late on rent and my car insurance will be canceled if I dont have the money to pay. I cant afford for this to happen. They wont even tell me what I violated. Im so confused because I have already proved it was me and yet they are still not releasing my funds.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc. (PA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Upstart Network Inc. In the period from XXXX XXXX XXXX my employer, XXXX, experienced two significant data breaches, exposing sensitive personal information, including Social Security numbers, addresses, birthdates, and account numbers. This breach resulted in multiple instances of personal loans being opened in my name. 

Specifically, on XX/XX/XXXXXXXX XXXX a loan in the amount of {$5000.00} was applied for with Upstart Network Inc. Despite my attempts to dispute the account, Upstart  maintains that their investigation supports the claim that it was indeed my account. I firmly believe that this loan was a result of identity theft, considering the widespread data breaches during the mentioned period. 

I am seeking the intervention of the CFPB to thoroughly investigate this matter and rectify the situation. The exposure of personal information due to XXXX XXXX data breaches has put me at risk of fraudulent activities, and Upstart 's refusal to acknowledge the possibility of identity theft is deeply concerning. 

I request that the CFPB investigates this case diligently, considering the broader context of the data breaches and the potential impact on affected individuals. Your assistance in resolving this matter and protecting consumers from the consequences of identity theft is greatly appreciated.
Consumer complaint received 2023-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Florida Financial Management dba Lend A Dollar (MO)

On XX/XX/2023 I contacted Lend a Dollar through text message because it is the only way they respond. I told them I revoked their right to take any money from my account at anytime. That I would make other arrangements because my checking account was compromised. They still took the money on XX/XX/2023 in the amount of XXXX. Then I send them the revocation again and they finally acknowledged that I sent that on XX/XX/2023 and that will continue to present a check for money until I make other arrangements but I can't do that till I get my checking account fixed so they are saying they will take another XXXX on XX/XX/2023. I have all the text messages from someone named XXXX at Lend a Dollar. While in my account with them there is no address, phone number or email address for the company.
Consumer complaint received 2024-01-13
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: EQUIFAX, INC. (FL)

I have been trying for over 12 years to get access to my credit score online to no avail. Equifax keep ignoring my request because I'm XXXX. They also keep changing my credit card for membership that I cancelled.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy ( 15 USC 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without written instructions. 15USC 1666 ( b ) a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-13
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 reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and 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 included screenshot inside this complaint in dates of ( XX/XX/2023 ) ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. if proof cant be provided I demand these payments be updates to paid on as they should be due to that I was never late. Thank you very much. Please see screenshot attached.