davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
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 XXXX XXXX XXXX. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : $ XXXX Account Name : XXXX 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 2023-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MA)

Someone opened a chime account using my PII without my knowledge or authorization. Chime would not share any details with me unless I provided my PII which I refused. It began on XX/XX/. 
XXXX ) XX/XX/XXXX  email from : XXXX " Your card is on the way '' They sent a debit card with a coupon slip with my name and their bank account routing and checking - set up as a payroll deposit slip for me to sign - I saved the card and letter 2 ) XX/XX/XXXX  email from XXXX - " Set up direct deposit '' - asking me to click through to set up my direct deposit account 3 ) XX/XX/XXXX  email from : XXXX - " password associated with my chime account has changed '' 4 ) XX/XX/XXXX  email from XXXX - " phone number associated with my chime account has changed to XXXX. 
5 ) XX/XX/XXXX  email from XXXX outlining what I need to provide ( PII ) to get any information on the account that was set up- I had sent several emails to inform Chime that this was fraudulently set up with my PII.
Consumer complaint received 2024-01-15
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. (PA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2023-09-01
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-20
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. (FL)

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 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 2023-07-13
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX and XXXX XXXX XXXX. 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (CA)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX Balance : {$4300.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC. (MA)

Back in XXXX XXXX, I went in to XXXX to get an oil change. While doing so, I asked a sales representative, out of curiosity, what my buyout would be. He called Ally and after getting the numbers, I wasnt satisfied with them so I stayed in my lease and drove off in my car. In XXXX, I went back in to XXXX for an inspection. The gentleman wasnt able to do so due to a cancelled Registration my Registration was automatically reinstated after reaching out to the RMV, personally. Fast forward to XX/XX/XXXX, I left to get into my vehicle which was no where to be found around my apartment complex. After calling the local police department, they informed me that my car had been repossessed by Ally Financial. My payments were on autopay prior to the cancellation, but it came to my attention that any payment after that incident, wasnt accepted by Ally because they had my Lease as cancelled. I have been in the vehicle for almost two years, which will be the ending of my lease term, and never once has this happened to me. I still to this day, have not been given any reason, notice, etc regarding what may have happened. I have also not been given any proof of me ending my lease back in XXXX because I never did so. My vehicle is currently in possession of the repossession company and Ally is making me wait 7 days and pay {$3000.00} to get it out, on top of me having to pay {$500.00} for a rental car, and missing a week of work to handle the situation and find a way to transport to and from work, and/or anywhere else I need to go on a daily basis. Today, XX/XX/XXXX, the RMV has sent me proof that the cancellation was done by the Lessor/Lienholder . They are not taking action nor fessing up to their mistake. Between them and XXXX XXXX XXXX XXXX XXXX, MA, I have gotten no where.
Consumer complaint received 2024-02-06
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. (WI)

Collections accounts that dont belong to me I have dispute and havent been removed, accounts that was fraudulent open that dont belong to me and companies refusing to remove such accounts and not providing sufficient information to me about this accounts or providing where these accounts was properly opened.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OH)

My account was froze by Key bank, XXXX XXXXg i couldnt use my debit card so i went to the XXXX XXXX XXXX in XXXX and spoke to the manager there he did not know why it was restricted made some calls after which He asked for proof of sale for my farm because i had received a wire from advantage title company who received payment from the buyers chase bank account. I provided the documents, the lawyer who created the documents and notarized them contact information, the title company contact information even the extension of the employee who handled the transaction. This was XXXX XXXX  XX/XX/XXXX. XXXX  noone has provided me with any further information or time when they will or if they will release my accounts. 

I have done nothing wrong and the title company handled the wire transaction i need access to my money. Or at least a reason why this is happening and when it will be resolved.
Consumer complaint received 2024-02-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (NM)

I have methodically made extra principal payments by taking the base payment, then adding one or two subsequent principal-only amounts from the amortization schedule. 

As of XXXX, the remaining balance was within XXXX cents of Planet Home Lendings statement for the following month. 

XX/XX/XXXX ( for the XX/XX/XXXX payment ) I added XXXX additional principal-only payments to the base payment due ( totaling almost {$7000.00} additional ). This would leave the principal balance at {$410000.00}. 

Instead of correctly applying all additional money to principal as the check memo instructed, they added an extra {$580.00} to Escrow, which costs me an entire extra payment later ( {$2700.00} ). 

The next statement showed a beginning principal balance of {$410000.00}. 

The XXXX XXXX Balance field is {$0.00}. 

The Escrow account has {$1200.00}, even after the homeowners insurance was paid last month. This is considerably more than is needed for the next property tax installment due in XXXX. 

I was neither asked permission for this action, nor was I informed of this action. I had to examine my statements to discover this action had occurred. 

This is the 2nd time in less than a year that they have mis-applied my payment. I informed them last time that I would file a CFPB complaint if they redirected my funds without notification. They were dismissive of my warning at the time and have now done that exact thing again.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Idaho Housing And Finance Association (TX)

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 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a Creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.

PAANL- Paid as Agreed Never Late.
Consumer complaint received 2024-04-23
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 dispute the validity of two accounts listed on my credit report that I believe to be errors due to unverifiable information and potential identity theft. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts do not correspond to any addresses associated with my personal profile, nor do they reflect any transactional activity that I can verify as my own. According to the FCRA Section 1681i, any information that can not be verified or is incomplete must be removed from a consumers credit report. The inclusion of these accounts without any associated addresses strongly suggests that the account details are unverifiable.

Furthermore, the presence of these accounts might indicate potential identity theft, as I have no knowledge of these accounts being opened under my name, and they do not relate to any of my known financial activities. Under the FCRA, I am entitled to dispute fraudulent entries to protect my credit rating from unwarranted damages. 

Attached to this letter are snapshots of my credit report showing these specific accounts having no association to any address on my credit report. I hereby request the removal of these accounts from my credit report.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ENOVA INTERNATIONAL, INC. (PA)

XXXX FOUND EMAIL THAT WE DID NOT SEND WHICH LED TO US FINDING OUT THAT OUR BUSINESS LINE OF CREDIT WAS MAXED OUT AND CLOSED. MONIES WERE SENT TO A FRAUD ACCOUNT WHICH IS ALSO FROZEN FOR FRAUDULENT ACTIVITY THAT WAS OPENED IN BUSINESS NAME THAT WE DID NOT OPEN.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The company has acknowledged this error and has committed to remove the accounts. Other credit bureaus have already removed the accounts after the company recognized the inaccuracy of the accounts. I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATION/XXXX XXXX , DEPT OF EDUCATION/XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-23
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)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (CA)

I am writing to dispute the validity of two accounts listed on my credit report that I believe to be errors due to unverifiable information and potential identity theft. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not correspond to any addresses associated with my personal profile, nor do they reflect any transactional activity that I can verify as my own. According to the FCRA Section 1681i, any information that can not be verified or is incomplete must be removed from a consumers credit report. The inclusion of these accounts without any associated addresses strongly suggests that the account details are unverifiable.

Furthermore, the presence of these accounts might indicate potential identity theft, as I have no knowledge of these accounts being opened under my name, and they do not relate to any of my known financial activities. Under the FCRA, I am entitled to dispute fraudulent entries to protect my credit rating from unwarranted damages.

Attached to this letter are snapshots of my credit report showing these specific accounts having no association to any address on my credit report. I hereby request the removal of these accounts from my credit report.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802.

Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government.

17cfr 424 all inquiries must be removed.

Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to file a formal complaint against Portfolio Recovery Associates for their egregious violations of my rights as outlined in the Code of Federal Regulations ( CFR ) and the United States Code ( USC ). Furthermore, I am disputing any and all debts claimed by Portfolio Recovery Associates, and I am revoking all rights for them to communicate with me via email, text, and phone calls. 

Under 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to accurate reporting of information to consumer reporting agencies. Despite this regulation, Portfolio Recovery Associates has inaccurately reported information about my credit history, leading to erroneous information on my credit report. Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute inaccurate information directly with the furnisher. I have made numerous attempts to dispute the inaccuracies with Portfolio Recovery Associates, but they have failed to investigate or correct the errors as required by law. Additionally, 12 CFR 1006.34 ( d ) mandates that furnishers of information must conduct a reasonable investigation of disputed information.

Portfolio Recovery Associates has failed to fulfill this obligation by neglecting to conduct a thorough and fair investigation into the inaccuracies. Moreover, according to 15 USC 1681-S 2 ( 7 ) ( A ), consumers have the right to accurate reporting of information by consumer reporting agencies. Portfolio Recovery Associates failure to ensure the accuracy of the information they report to consumer reporting agencies directly violates this provision. In addition to disputing the inaccuracies in reporting, I am formally disputing any and all debts claimed by Portfolio Recovery Associates. Furthermore, I am revoking all rights for them to communicate with me through email, text, and phone calls, as provided by the Fair Debt Collection Practices Act ( FDCPA ). As part of this dispute, I request the following : Debt Validation : I request that Portfolio Recovery Associates provide validation of any and all debts they claim I owe, including detailed information regarding the origin and nature of alleged debt. 

Purchase Agreement : I request that Portfolio Recovery Associates furnish a copy of the purchase agreement between them and the original creditor for each alleged debt they claim I owe.

Proof of Licensing and Bonding : I request that Portfolio Recovery Associates provide proof that they are licensed and bonded as required by law to engage in debt collection activities.

I expect Portfolio Recovery Associates to comply with these requests within the time frame prescribed by law. Failure to do so may result in further legal action to protect my rights as a consumer.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to investigate these violations and ensure that my rights as a consumer are protected. 

Sincerely, XXXX XXXX