davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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. (IN)

I recently received a copy of my Experian, XXXX and XXXX consumer report, and it has come to my attention that you are reporting my transactions with these companies to the consumer report. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XX/XX/XXXX and XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX The credit reporting agencies are in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my consumer report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Department of ED/XXXX  are in violation of 15 USC 1681. 

I have also sent certified letters with no reply. This is my final attempt.
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I opened aXX/XX/XXXXcompany in XXXX and with the help of my brother-in-law i am setting up another partner XXXX XXXX company in XXXX. 

For this purpose i opened small business account in Bank Of America so everything must be clean and under law. 

Also, for setting up company in XXXX I hired a freelancer agent in XXXX to setup the company and do necessary things. 

On XXXX XXXXXXXX XXXX  i initiated a wire transfer for around XXXX dollars to agent for his services. 

The wire went on hold since then. 

When i called bank on XXXXXX/XX/ they told me that because of suspicion on a name i mentioned in Notes of wire where i have mentioned my brother-in-law 's name. I told them that this is my brother in law and we are partner in opening up company in XXXX. But still they held it. 

When i called today, they say that i have to call them again and again every day, to find out about the wire transfer. 

When i asked them about till when the wire transfer be on hold, they said that there is no answer to that and that i have to check every day. 

So, First of all, instead of realizing it as a false positive on OFAC 's list where they are just hold money just because my brother in law 's first name matched with some sanctioned name ; they have not reviewed it in due time which was 48 hrs. 
Also, they are not able to provide any definite answer to till when the wire will be on hold. 

There should be a law protecting citizens from such false positive because there may be like millions of people with a matching sanctioned person 's FIRST NAME and the bank should not be allowed to hold wires just on the suspicion on FIRST NAME matching with some sanctioned person. 
Secondly the wire transfer should have an upper bound on hold and the bank should facilitate its customers instead of asking them to call again and again every day until indefinite period of time especially when average wait time for the call is 20-30 minutes. 

So now, my money is held, just think of that person who was helping me setting up company in XXXX and has been waiting for funds for his services since 10 days now ; and i don't even know how many more days or weeks or months ; as bank is unable to provide any specific time ; why me or he get penalized for false positive.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

The company, along with the credit reporting agencies, is knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 18 USC 894 ( a ) ( 2 ), 15 USC 1681a, 18 USC 1028A, The Gramm-Leach-Bliley Act, and RICO. This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. Thank you for your help in protecting my federally protected consumer rights. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I noticed accounts on my credit report that are the result of fraud and needs to be taken off. I reached out to the credit bureaus to let them know and they failed to investigate this and they failed to make any corrections to my report. I need this corrected immediately.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED AND INQUIRIES, AND WAS NOT NOTIFIED OF INCORRECT INFO ON MY REPORT. 

I MAILED OFF LETTERS ON XX/XX/2023
Consumer complaint received 2023-10-18
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. (MO)

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

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

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion alleges that " credit collections '' belongs to me and is " accurate ''. I never had any business with this company a day in my life, Please update my credit report with this company remove asap.
Consumer complaint received 2023-10-18
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: Experian Information Solutions Inc. (NV)

I am writing to request your assistance in addressing critical issues I have encountered regarding the verification, validation, and accurate reporting of information on my credit reports as per the guidelines of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. I have been diligently disputing the following inaccuracies with Experian, XXXX, and XXXX since XX/XX/2023, yet they have failed to properly investigate the reported discrepancies :
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to request your assistance in addressing critical issues I have encountered regarding the verification, validation, and accurate reporting of information on my credit reports as per the guidelines of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. I have been diligently disputing the following inaccuracies with XXXX, Transunion, and XXXX since XX/XX/2023, yet they have failed to properly investigate the reported discrepancies :
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/XXXX an automatic funds transfer was set to go to my bank account credit card {$300.00} by the XXXX no acknowledgement that this was happening. On the XXXX I deposited {$200.00} in this same account from my checking account and on XX/XX/XXXX both the {$300.00} and the {$200.00}. were deposited leaving the checking account overdrawn. 
I spoke with an agent from technical support at the bank after waiting on hold for over an hour when a 30 minute wait time was mentioned and the agent asked me my name and I gave it and told him of the issue and he transferred me to claim where after 15 minutes I hung up. This a.m. the problem still exists and I am concerned.
Consumer complaint received 2023-07-10
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. (OK)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (FL)

On XX/XX/2023 Freedom Mortgage processed my mortgage payment. Rather posting the entire payment, they decreased the payment by {$50.00} and posted the remainder of the payment. They then posted the {$50.00} to escrow separately and charged a {$50.00} fee to my XXXX statement. Today I received a notice from Freedom Mortgage stating that I had not paid the entire regular monthly mortgage amount.
Consumer complaint received 2023-09-07
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. (NE)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As of XXXX XX/XX/XXXX XXXX  TransUnion reported the status for an alleged student loan with account/tradeline " XXXX XXXX XXXXXXXX '' with a balance of {$2100.00} as " repossession. '' As of XXXX XX/XX/ TransUnion continues to report the same account/tradeline as a " repossession ''. A repossession is a seizure of property hat was used as collateral to secure a loan. When a consumer defaults on a loan agreement, the property is seized and sold such that the proceeds from the sale are used to pay on the defaulted loan. There is no collateral for a student loan. Therefore the pay status of seizure for this loan inchoate. TransUnion knows or should know that the information as supplied is false/misleading/inaccurate. The account ( s ) with " XXXXXXXX XXXX XXXX '' and/or account ( s ) /tradeline ( s ) XXXX XXXX XXXXXXXX and/or with account number ( s ) beginning XXXXXXXX  need to be removed.
Consumer complaint received 2023-10-18
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. (NC)

My balance with Student Loan Provider ( XXXX ) is currently XXXX and has been since XX/XX/XXXX. I was provided a Paid in Full letter and my online portal with the company continues to show a XXXX balance. 

I disputed the balance with Experian and provided the documentation from the provider in XXXX. On XX/XX/XXXX Experian indicated they concluded the investigation with no change/update to my balance. 

I, again, initiated a dispute XX/XX/XXXX and provided additional letters and screenshots from XXXX website clearly reflecting a XXXX balance and paid in full documents. 

Today, I again received an email stating that as of XX/XX/XXXX ~ their investigation is concluded with no charges to my balance. 

This is clearly a failure or deliberate error on XXXX part.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

All three credit bureaus Equifax, XXXX and XXXX override my disputes on fraudulent and inaccurate accounts on my credit report, I have submitted numerous disputes but with no explanation they continue to rule against me. This has destroyed my credit and business and living Oppurtunites. I am in the process of filing a class action lawsuit and will be filing a complaint with the Federal Trade Commission. 
I am a government employee and I had to freeze my credit just to try and protect myself, one case I paid off my home and they decreased my credit score they penalize me for not having a large amount of debt, need help!
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Without notice Bank of America closed my business account on XX/XX/12, with no explanation, talked to multiple associates to no avail. They cant tell me why they closed it and tell me its closing on XX/XX/XXXX, even after that it will take 7- 10 days to receive a check. It is detrimental to my livelihood and my business to wait 5 weeks to receive my money. I am baffled they can not give me any reason as to why it was closed and why its closing XX/XX/XXXX and can't even touch it until then.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX, TRANSUNION ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE REMOVED IMMEDIATELY!
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

Once again after months of battling this fraud, I'm addressing Experian is reporting fraud accounts on my credit report. Experian continues to violate my rights & have failed to provide legal proof. I requested actually physical proof months ago, starting in XXXX, XXXX & XXXX & I still haven't received anything back. Experian investigated with the companies reporting fraud & say it's verified but show no actual proof, any one can show a credit bureau a bill & my info, that some one stole from me! They pay these credit bureaus to report fraud & it needs to stop!! I been a victim of ID theft for years & I'm exhausted from this disaster & Experian refuses to provide support. Experian is breaking the law over & over & so are these companies reporting fraud! I Will proceed with a law suit if Experian doesnt stop breaking the law. These accounts are FRAUDULENT!! XXXX XXXX  acct # XXXX {$2200.00}. XXXX XXXX XXXX acct # XXXX {$11000.00}. XXXX XXXX XXXX acct # XXXX {$5400.00}, &. XXXX XXXX XXXX XXXX acct # XXXX {$2800.00}. Experian nor these companies have supplied me physical lawful proof in the 30 day time frame & now XXXX has passed & this is way passed the legal time, therefore Experian must remove them! I have NOT received any documents I requested months ago. I have also submitted a complaint to the CEO & CFO of Experian. & I HAVE FILED A COMPLAINT WITH THE ATTORNEY GENERAL! Experian has 14 days to remove or I'm filing a law suit, my attorney will be contacting you soon. 
Thank You!
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (GA)

This complaint comes forward as I XXXX XXXX have reached out to Equifax in this particular case Equifax XXXX XXXX as they have reviewed my complaint and my dispute towards fraudulent Reporting activities on my credit profile and they have stated that they were going to update my credit profile however, they have not I have given them a federal affidavit as well as a truth in fact statement towards accounts that have been fraudulently placed on my credit profile after a data breach yet to no avail.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MS)

I sent a letter to XXXX XXXX XXXX XXXX on XXXX XXXX opting out my information being shared with any person, entity, or institution and to be effective immediately and Indefinitely!!
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (MD)

I never gave anyone permissible purpose to pull my credit report these inquiries are a result of identity thief and these inquiries need to be blocked immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 Equifax Mortgage Ser XX/XX/2022 Equifax Mortgage Ser XX/XX/2022 Equifax Mortgage Ser XX/XX/2022 Equifax Mortgage Ser XX/XX/2022 XXXX XXXX XX/XX/2022 2022
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westcreek Financial (MO)

Dear Sir/Madam, I am writing to dispute the following information in my credit report. I have also enclosed a copy of the report I received. 

In accordance with The Fair Credit Reporting Act. the account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 



Account XXXX : XXXX This item is disputed by me. I never gave permission for the creditor to post or share, list any information regarding my credit to the public such as creditors or tax court, and identify the type of item, such as credit account, judgment, etc. I am requesting that the item be removed in order to correct the information. 

Please reinvestigate this matter and correct the disputed item as soon as possible. 

In accordance with the new privacy laws, I kindly request you not to post any negative report to credit agencies until this dispute is resolved. I submit this request based on the following : 15 u.s.c. 1681 Section 602a States I have the right to privacy 15 USC 1618 section 604a section 2 ; it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 C ( a ) 5 close parentheses section States no consumer reporting agency may make it Consumer Report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antidates the report by more than seven years 15 USC 1682 s - 2 ( A ) ( i ) A person 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 Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

This past XXXX I paid off the car loan and requested my pink slip. The credit union, XXXX XXXX will not give me my pink slip because I defaulted on a personal loan and still owe XXXX
Consumer complaint received 2023-10-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX account number 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 an account without my written instructions