davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jim Bottin Enterprises, Inc (SC)

RevNow has contacted my place of employment first. I asked them to not call the company phone again as it is an office and not to be used for personal phone calls. 
They then called my younger sister on XX/XX/year> around XXXX who, had nothing to do with this account or my finances. 
They the contacted my mother, who is undergoing XXXX for XXXX XXXX XXXX, and bothered her about this matter on XX/XX/year> as well around XXXX. Neither of them had any knowledge of this account and I had intended to keep it that way.
Consumer complaint received 2024-02-12
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. (OR)

My dispute portal was disable and I am not able to dispute information on the website. I have mailed information in to the address provided via certified mail and it has gotten returned to sender due to it being an incorrect address. 

This corporation has invaded my privacy and violated the GLBA I demand a proper reinvestigation into this matter as damages have happened due to the this unfair reporting in pursuant to 15 USC 6801 ( a ) Privacy Obligation Policy It is the policy of congress that each financial institution has an affirmative and continued obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

I never gave this corporation permissible purpose to report this information and they never clearly or conspicuously disclosed that they would disclose this account / inquiry further more they never gave me an opportunity to opt out of this account being reported in pursuant to 15 USC 6802 ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third part unless -- - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other forms permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never gave this corporation permissible purpose to report this information and they need to immediately remove all inquiries and accounts. I reserve my right to recourse under the FCRA and will seek remedy for all damages suffered.
Consumer complaint received 2024-02-12
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: Bread Financial Holdings, Inc. (TX)

I sent notice to companies that they were illegally reporting inaccurate information to my credit reports every single month under the Fair Credit Reporting Acts and that they didn't have permissible purpose to do so and that I needed proof in writing within 30 to 45 days and I sent letters via certified mail and I haven't heard anything back from anyone and this was XX/XX/XXXX and now it's XXXX XXXX XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax I believe is retaliating against me for filing complaints and lawsuits by blocking me from seeing my accurate credit report. I filed complaints on XX/XX/XXXX and they have been providing creditors and myself with another credit profile since then. 

I noticed these actions on XX/XX/XXXX when I spoke with Equifax supervisor XXXX # XXXX and filed a dispute # XXXX letting him know that when I pull my credit report using my social security number ending in XXXX, Equifax generates a credit report for a social security number ending in XXXX. It has been over 30 days and Equifax is still purposely and negligently supplying inaccurate information to myself and creditors and refusing to allow me to see my real credit report, which is direct violation of FCRA section 623 ( a ) and CCRA 1785.15.1 ( a ) and 1785.16 ( a ).
Consumer complaint received 2023-05-03
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. (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. 

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  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. 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 instructions15 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 2024-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

On XX/XX/2023 I wired money to the Fifth Third Bank on XXXX XXXX XXXX in XXXX Ohio. The beneficiary was XXXX or XXXX for a purchase of a house. They have held the funds without giving me the concrete information or even returning the money Im going to give the bank 10 more days before the case goes to court. I have waited more than two months to receive my money. They need to release my funds. Its causing a hardship for me. I need my money and its very hectic for me here trying to make my bills. The money transfer wire was for {$50000.00} and I want my money back please
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my Equifax consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with XXXX  XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX  XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, my next step will be to settle your civil liability damages I've suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to assist with removal of inquiries damages will exceed settlement rates when my attorney becomes involved. You will be responsible for his fees as well as compensat for dimages inflicted upon me. You have ( 10 ) calendar days of receipt of this notice and demand before I'll seek actual damages which are greater than {$1000.00}. 

Take note that I didn't identify the culprit ( salesman ) by name directly because I'm expecting you to do the right thing and help resolve the issue of XXXX  hard inquiries placed on my consumer report without my written consent. 



cc : CFPB via fax ( XXXX ) XXXX
Consumer complaint received 2024-01-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (SC)

I purchased a XXXX tree on XX/XX/XXXX for XXXX and had it shipped. it was heavy and shipped to my door. The tree was defective with limbs coming off. I called Lowe 's XX/XX/XXXX to get a replacement and have this one pick up by the shipment company. Lowe 's would only offer a 10 % discount so I told them to pick it up. Lowe 's did not have any more tree like the one I ordered. I am XXXX XXXX XXXX and I am not able to carry this heavy item. I then wrote a letter of dispute of the charge to synchrony bank. Mailed it in and never heard back. I called in on XX/XX/XXXX spoke to XXXX and she stated a letter was emailed days prior. I told her no record of a letter sent. Then the next day a got a denial letter from Synchrony Bank dated XX/XX/XXXX. Call Lowe 's store and they said they will not take back trees after XXXX. Synchrony took way to long to respond to my dispute, also charging me interest.
Consumer complaint received 2024-06-12
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. (DE)

It appears that FCRA XXXX obligates us to remove incorrect accounts from my credit report. Would you mind checking the documents? Some accounts are incorrectly listed, with inaccurate reporting, amounts, and dates.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2024-02-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TX)

I switched my cell phone account from business to personal. After the switched XXXX never charged my account on file to charged me for the last business bill. XXXX XXXX sent me a bill but at the same time sent the account to collections. This company called me to let me know about that and I told then what happened and also told then the bill was being paid. they started cursing at me and didnt care about it. Even though the bill was already paid. I disputed it online and they didnt remove the collection. {$55.00} collection that I supposedly owe them. I have never had an issue with XXXX until this since my account t is on auto pay.
Consumer complaint received 2023-12-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (FL)

bank cd maturing on XX/XX/2023 called Bmo bank N.A. XXXX XXXX on XX/XX/2023 XXXX XXXX at XXXX XXXX said. aid they can't send my funds. ACH. and will have to mail a check. in 5- 7 business days I waited still no check I called again on XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX said check still coming to wait 5 more business days still no check. I called again on XX/XX/2023. and spoke to supervisor XXXX XXXX about. my Check said it's in Limbo due person closing. The account made a mistake. not closing it properly if he could overnight. my check per XXXX he said.no just regular mail I ask why not he said bank does not have Capability. That I have to wait longer
Consumer complaint received 2024-02-11
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. (TX)

Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXXXXXX XXXX if the consumer has provided trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX tXXXX if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations.

BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No.

CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXXXXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (TN)

I have disputed the information XXXX  about a collections account with Hunter Warfield. Each time it comes back as verified but I know that it hasn't because I do not have a contract with the original creditor XXXX XXXX XXXX XXXX XXXX does not have a contract or signed lease with my wet or electronic signature, so on that basis alone, I would like it removed from my credit. The effects of this reporting on my credit is that my family and I are now homeless because no one will rent a dwelling to us with this debt reporting on my credit and rental history. Also the debt is reporting incorrectly. So it has not been verified as the credit bureau 's continue to reply as the reason for it to remain on my credit report.
Consumer complaint received 2021-05-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

XX/XX/XXXX ATTN : POPULAR MORTGAGE After reviewing the appraisal for my primary residence, I would like to request further clarification and investigation by the appraiser. Base on the additional facts on this statement, that can be found on public and private record, I would like to ask for a reconsideration of value base on the following points : This Property was purchase at XXXX in XXXX ( consider under value at that time ), including the fact that some areas were not functional, but it was habitable. 
This appraisal performed in order to refinance my property, was completed by same appraiser from XXXX, when property was purchase, which should have been a random selection, so there is no bias. 
Value considered by appraiser= XXXX XXXX inflation from XXXX to the present is at a 3.61 as per bls.gov which is a federal goverment source, for this reason current price of the property without the upgrades can be calculated at {$220000.00}. 
If previous amount is subtracted only around {$1200.00} was added in value after completed renovation and almost 2 yeas of rising prices. 
Not recently renovated, with more than 6 months of appraisal, outdated interiors and smaller properties were compared on the appraisal, the most similar property will be the one from the XXXX XXXX because has the same view and is located on the same area on a higher floor, but this property was value more than ten months ago. 
The main fact of disagreement on the appraisal is that there are no properties currently on the market under XXXX around 1,200 sq ft located in this area recently renovated with 3 bed, 2 bath, laundry and 2 parkings ( 1 car garage ). Renovated areas and the amount of parking should be considered to add value to any property in this location. 
Another fact is that prices in the area since XXXX until moment still rising in addition to the lack of inventory in the entire island adds even more value. 

Upgrades 1. Flooring removed and renovated 2. Added 3rd room with closet space 3. 2 bathrooms were renovated, 2nd bathroom ( guess bathroom ) was made functional 4. Removed walls from walking closet located at master room which added more space to the room 5. New Laundry area with sink 6. Plumbing system, added stopcock inside the apt ( not available in most of the apt on the building ) 7. Electrical system 8. New Doors for all rooms 9. Fully painted Location 1. Closest residential building to best beach club on the island XXXX XXXX XXXX XXXX ) XXXX. Gated condo with beach access, playground, gym, pool, laundry facility, meeting room and 4 elevators. 
3. XXXX hotel next to the building also less than XXXX minutes walking distance from XXXX XXXX and Since XXXX to XXXX XXXX hotel. 
4. One of the few exclusive view to the Airport landing track 5. Partial ocean view at each bedroom Attached you will be able to find sales prices of properties in the area that were recently sold with similar spaces that can be consider comparing also some of the receipts for the renovation.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U. S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit reports immediately XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to lodge a formal complaint and request the immediate removal of several fraudulent items that have been erroneously included on my credit report. These fraudulent items are causing severe harm to my creditworthiness and financial standing. The fraudulent items in question are : 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 XXXX 

I have taken immediate action to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items with the credit bureaus, and filing a police report. I have also initiated a fraud alert to protect my credit file from further unauthorized activities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you promptly investigate and rectify these fraudulent items on my credit report. Under the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I expect swift action to remove these fraudulent items from my credit report. 

I also request that you notify the creditors associated with these fraudulent items, informing them of the fraudulent nature of the accounts and requesting their immediate removal from their records. Additionally, please take the necessary steps to prevent any further fraudulent information from being added to my credit report.