davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
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. (CA)

This is my second 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 remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX & XXXX XXXX XXXX : {$150.00} XXXX, XXXX & XXXX XXXX XXXX : {$5900.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX, XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX  XXXX XXXX : {$200.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX  XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. Chex Systems is recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. XXXX  XXXX XXXX and XXXX XXXX XXXX being financial institutions, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither XXXX XXXX nor the consumer reporting agency Chex Systems have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. XXXX XXXX failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. As per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies. Lastly, per the Privacy Act of 1974 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; this includes cosumer reports. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

As A Financial Institution you must provide me as as a consumer my opt out notice and my privacy policy notice under the Gramm Leach Bliley Act, failure to do so will result in legal actions taken against your company.

Also 15 usc 1681b clearly states your company ( XXXX ) must have written consent from the consumer to furnish any information so if you claim you have permissible purpose please provide documentation for proof if not immediately remove this account from my 3 consumer reports failure to do so you will also be in violation of the FCRA, you have 10 days to remove this account and please be aware Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. 

I have tried to solve this issue with you, you have failed to respond to my complaint on the cfpb it has been over 60 days and company still hasnt responded I demand this account to be deleted immediately # XXXX
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I closed escrow on the sale of a home that I'm the XXXX XXXX for the deceased owner. The closing funds from XXXX XXXX were deposited into the Estate checking account of XX/XX/XXXX. Late in the evening Bank of America notified me via email that they had placed a hold on the funds until XX/XX/XXXX. I went to a local office the next day and requested the hold be lifted. I showed the office Manager documents that clearly showed that these funds were from the sale of a home. On the XXXX I contacted to Bank again and discussed my concerns with their local Zone Manager XXXX XXXX. She got back to me with the Bank 's excuse that they could not lift the hold. Today I contacted the Bank of America Customer Service number and they continued to state that they could not lift the hold. They stated that they were allowed by law to hold my funds for up to 7 days. The check already cleared the XXXX XXXX account of XX/XX/XXXX. 

I requested that my funds, approximately {$220000.00} be made available. Bank of American refused to acknowledge that the funds have already cleared and refused to allow me to pay bills owed to others with these funds.
Consumer complaint received 2023-05-16
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. (CA)

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX # XXXX 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 crime 's 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: King of Credit Financial, Inc (PA)

15 USC 1681n ( a ) ( 1 ) pertains to any violation amounting to $ XXXX. So any reporting agency that furnished inaccurate reports or violated your rights I want {$1000.00} for. My credit card was charged again with out my authorization which is identity theft and the second violation.To allow anybody to put anything on my credit report with out clarifying it with out my consent is negligence which Is a thirds violation.The fourth is 15 USC 1681s-2 which is furnishing my information and the fifth is failure to disclose.The sixth is how I was giving a car that said maintenance in so many miles along with how it says tire which is a hazard.I was charge extra when the rental should of been reimbursed but I was charged extra.Dollar negligence could of been why I died because of dollar negligence.15 USC 1681s-2 regarding the duty to provide accurate information, 15 USC 1681n ( a ) ( 1 ) regarding the compensation for willful noncompliance, and 15 USC 1681 ( 7 ) regarding the obligation to provide information within a specified timeframe which is 15 days is 10 violations.The FCRA consist of investigating and removing what I demand off of my credit card since my card was charged with out no signature or signature
Consumer complaint received 2024-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

This company does not process payments in a timely manner whatsoever. They tell you on their app that the payment has been posted and processed and then it doesnt even process for eight or nine days and then they charge you late fees. If it doesnt clear your account they send you multiple pieces of documentation and show on their website that your payment has been processed in your account is current and then they wait nine days to process your payments and then if it doesnt clear, they charge you fees For late fee for non-sufficient funds, and they reverse everything. This is dishonest and misleading.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year> I requested a dispute of my TransUnion credit report. I received the results of dispute on XXXX with no change on a specific item. I then requested the verification process and name and number of verification provider and it could not be and was not provided to me upon request.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The alleged debt has inaccurate information represented in it. In XXXX of XXXX, I submitted a dispute about the inaccurate information to XXXX. They responded that the information was valid, I requested proof of the validity but never received it. 

The alleged debt is reporting as a delinquent account that was opened on XX/XX/XXXX. That is inaccurate. The account was opened with this company on XX/XX/XXXX of XXXX. It says that this is a 1 month account but my policy was for 1 year. It says that the original amount of the account was for {$800.00} but my monthly payment amount was {$320.00} so that number is inaccurate. Almost every piece of information related to this account that the credit bureaus are reporting is inaccurate even though I have submitted contrary information, it has not been updated to reflect any piece of accurate information. 

XXXX is reporting my date of delinquency as XXXX of XXXX XXXX reports my date of delinquency as XXXX of XXXX and Transunion does not report a date at all.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WI)

I opened my venmo account on XX/XX/2023. The account was suddenly frozen on XX/XX/2023. I submitted the requested documents to have account unfrozen which was completed on XX/XX/2023. I then had a direct deposit come to my account in my name for {$1200.00} from my school at XXXX am on XX/XX/2023. On that same day XX/XX/2023 I attempted to transfer funds as authorized by the Venmo policy to a friend 's account but wasn't able to do so because my account had been refrozen for no apparent reason. So I called in and was told by a representative that the system flagged my account so they created a case number for me to have my account unfrozen and assured me that I've done nothing wrong ( I have the email from them to prove that statement ) I then received an email on XX/XX/2023 requesting me to upload another copy of my Identification to have my account unfrozen XXXX XXXX. I submitted a copy of the front and back of my driver 's license that same day XX/XX/2023 at XXXX and I received a notification saying submission successful. At XXXX XXXX I received an email from an account specialist by the name of XXXX XXXX. 
Account Specialist | Venmo saying my account was now permanently deactivated and that my funds would be turned over to the Loss prevention department for 180 days and that they'll contact then if the funds were going to be returned to me. So I email that same specialist and asked why was my funds being held, I also asked could the funds be returned to my school since they seem to have an issue with my identity information. That same specialist responded saying that it's no gaunrentee that my funds will be released back to me. My issue is that I haven't committed any form of fraudulent activities. If they would have asked me to submit proof of the funds I received as a direct deposit from my school them I would have but they only asked for my Identification which I submitted and they still restricted my account.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act XXXX XXXX  # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-14
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. (TX)

Experian, I have noticed that you all now are reporting a balance on an account for XXXX XXXX that was paid if full inXX/XX/2021. No other credit agency reports a balance. You all did not report a balance until I started disputing your inaccuracies. There was never a dispute submitted for this account nor an investigation requested. Someone did this deliberately as retaliation. You all know this is wrong. I expect the balance to be returned to zero immediately just as you all have had it since XX/XX/2021! This behavior is noted and will be cited in court proceedings. You all will learn to stop using overseas people who hate this country and disrespect the consumer protection laws. This is unethical and illegal. You even put a current date on an account that was paid off and closed sinceXX/XX/2021! This is very low and clearly personal. 

Please see the attached.
Consumer complaint received 2024-04-05
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. (WA)

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 2023-07-27
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)

I am filing this complaint again just to make sure that when I update my XXXX credit reports next time these items will already be removed. I repeat, I am a victim of identity theft, and these items were not created or authorized by me. I am requesting that this information be reviewed for completeness, accuracy, and appropriateness in compliance with the FCRA. Instead of sending the information, please ensure that a thorough investigation is carried out, and this items will be DELETED. I would appreciate a prompt response indicating the activities that will be taken to fix this situation. If I do not receive a response, I shall be forced to utilize my legal rights and take legal action : XXXX : XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX & XXXX XXXX XXXX XXXX : {$360.00} XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX TRANSUNION : XXXX, GA, XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$0.00} CAF XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$2100.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$330.00}
Consumer complaint received 2024-04-05
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. (TX)

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. Also, there is inaccurate information reporting and you failed to conduct a proper investigation into these items. You instead sent a stall letter alleging that a third party was submitting on my behalf. I, XXXX XXXX am a natural person and not a third party. I am including a list of my disputed items along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX