davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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)

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.

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 2023-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (IN)

I received XXXX written collection notices from XXXX within a week of each other, XXXX on XX/XX/23 and the second on XX/XX/23. Both are regarding the same account but reflect " different collection account numbers '' duplicitously, that had been canceled for an internet domain service wirh XXXX and both notices have the same amount of {$130.00}. The collection notices are requesting payment for a contract that I canceled instead of renewing. I emailed this collection company twice per their instructions, once on XX/XX/23 and the second on XX/XX/23. I requested a dispute to be filed and an investigation into the charges as they are fraudulent. In addition, I notified the collection company that I canceled this service prior to renewal and that I am actually awaiting a {$17.00} refund from the company they are supposedly collecting for. I also sent them the confirmation from the original debtor showing the cancelation and the refund amount owed to me and still have not heard anything back. In addition, I still have not even received my refund from XXXX and have been waiting for several months to no avail.
Consumer complaint received 2023-02-25
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: EQUIFAX, 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. 

XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX 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 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 2024-04-22
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. (PA)

I've consistently made sure payments on this account are on time, preventing any overdue instances. I'm uncertain about the cause of late payment remarks appearing on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESSES LISTED ABOVE : ACCOUNTS LISTED BELOW : XXXX  XXXX XXXX {$260.00} XX/XX/XXXX Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE FROM MY ACCOUNT OR BLOCK
Consumer complaint received 2023-04-18
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. (CA)

My name is 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 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. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, CA, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$25000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$26000.00}
Consumer complaint received 2023-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (VA)

XX/XX/2023 I sent a certified letter to Resurgent/LVNV Funding with a delivery date of XX/XX/2023 exercising my right of FDCPA 1006.30a of placing an alleged debt ( 3 accounts ) on on my consumer report without my written permission ( 15USC 1681b2 ). The information was inaccurate and in violation. I requested the deletion of the accounts from my report. On XX/XX/XXXX I received a letter in regards to only one account alleging another company is the servicer of the account : also on the same day I received 5 pages of paperwork that included an account summary from Resurgent. I submitted another letter asking for validation of debt not verification. I received the same paperwork as before but it still did not complete my request. Then I was sent a letter from XXXX XXXX who then alleges that they are now attempting to collect the debt. This was the first time I every received something from XXXX XXXX. I received the letter from them after I submitted two letters to Resurgent/LVNV Funding. On XX/XX/2023 I sent another certified letter to Resurgent/LVNV Funding for violation of XXXX XXXX and XXXX XXXX XXXX. On XX/XX/XXXX I received six letters dated XX/XX/XXXX and XX/XX/XXXX stating that other companies are serving the account and some paperwork alleging debt verification.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (IL)

In accordance with the Fair Credit Reporting act, account DEPT OF EDXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-22
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 want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (TX)

XXXX is attempting to have American Coradius International LLC collect a debt on a fraudulent account that was not authorized. This account was already notified to XXXX as true identity fraud. I did not own this account and I do not. All of the bank accounts linked do not match to me. The charges on the accounts are not my charges. I did not apply for this account and I did not receive any benefit from this account. XXXX did not have my authorization or permission to open this account. The charges are fraudulent. I did not receive any cards from this company I didnt reach out to XXXX to pursue this account. XXXX was notified Im a victim of identity theft and XXXX chose not to investigate this situation and instead falsely accused me. No proof has been provided I do not own the email address they used to register this account and I will not accept liability for this debt this is true identity fraud and I am disputing this debt.
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: EQUIFAX, INC. (NJ)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX BANK XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 se

ction 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-11-01
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/2023 around XXXX pm my BOA VISA card was stolen at LIFE TIME XXXX in XXXX, NC about XXXX pm BOA call me about XXXX dispute at XXXX {$640.00} at that time I found other XXXX credit cards ( XXXX, XXXX ) and BOA debet card were stolen. 
all of cards were canceled and received new cards and resolved the froud disput issue. 

But BOA VISA card is still saying I used the card at XXXX XXXX 

XXXXXXXX XXXX XXXXXXXX Crimes # XXXX
Consumer complaint received 2023-10-20
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)

The following accounts appear on my credit while I was living abroad in XXXX, I have reason to believe my identity was stolen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-16
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: WELLS FARGO & COMPANY (TX)

I am writing to express my extreme dissatisfaction with Wells Fargo 's handling of my paid collection/charge off account. Despite multiple attempts through credit bureaus and collection agencies, validation remains unaddressed, violating the Fair Credit Reporting Act ( FCRA ). 

This lack of response and failure to conduct reasonable procedures on these accounts is unacceptable. Immediate action is expected to rectify these violations and ensure accurate reporting on my credit profile. 

Address this matter urgently to avoid further action.
Consumer complaint received 2024-01-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I was trick into getting a car that was trash the dealer and the bank wasnt being honest with me there was even a A DOOR LATCH WITH A BROKEN PAWL that could have kill me especially on the highway if you doing business with a dealership you got ta make sure their car are actually good I return the car back to the dealer and the deal was supposed to be canceled which never happened then Amount went from {$9900.00} to & XXXX
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am requesting an immediate attention to the following accounts that continue to appear inaccurately on my credit report : 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 They were already deleted in XXXX back XXXX XXXX of this year. i have attached proof on my letter. I've been communicating with Transunion and XXXX to deal with this matter, reinvestigate it further and remove accordingly but they tend not to hear my plea.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On Monday XX/XX/23, I realized all my three ( 3 ) chase bank credits cards that I have/had for the past nine ( 9 ) years keep declining anytime I make a purchase or payment. I checked my chase bank mobile app only to realize all my credit cards is closed if no notification, email or information. I called chase bank customer support and I was transferred to six ( 6 ) different departments or people only to be told by all of them that they dont know why or have no answer for me. 

Tuesday XX/XX/23, I waked up and realized my chase bank accounts ( checking and savings ) is closed too. I again called chase bank customer support all day with no one able to tell me the reason or why all my accounts and credit cards is closed. I finally got to someone who told me that chase bank has decided to end the banking relationship with me and he cant tell me why but I have to wait for 7-10 business days for letter from chase bank then after someone will call me and later send me check of whatever money I have in my accounts. 

Just like that with no reason or explanation to they take my financial life away without thinking of how I feed my family, how I will pay my bills. How do I survive till the 10 days I receive a letter with no explanation or reason.. I havent committed any fraudulent activity or fraud, just like that J.P. Morgan chase bank just shut my life off with less than 5 days to the end of month. 

I have never in life felt so helpless, I dont even know what to do, who to talk to.. Im never late on any payment on all my credit cards, I never been in anything relating to fraud.. They just dont care!! All they tell you is wait for 10 business days for a letter.. like how?.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (NJ)

XXXX weeks ago, I went into the bank with my mom asking for a bank statement of my frozen account from the fraud account, and XXXX from the Santandar and XXXX, New Jersey, cut and copied and paste to a word document instead of giving me an official bank statement that I asked for And in my profile on my Santander app, it has the ladies address in it in XXXX, Pennsylvania on the account for that bank statement so he chose not to print out the legit statement because it already had that address on it and that is not OK. XXXX dealing with this since XXXX Ive XXXX to borrow money from my family Because of this I want this issue fixed and I want {$10000.00} added to my return for all of this stress and anxiety that they have put me through
Consumer complaint received 2023-09-15
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. (VA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

Bought my House in XX/XX/XXXX my mortgage lender was XXXX XXXX. Mr. cooper bought the mortgage and sent me a letter that nothing was going to change. in XX/XX/XXXX they did not transfer my property insurance to the new mortgage and I was never notified that my Property was insured by another company from the dates XX/XX/XXXX - XX/XX/XXXX. They are charging me XXXX XXXX  for something I was never aware. I have called multiple times and requested an escalation on this and I have had no resolution. Mr. cooper failed to notified me that they could not get a hold of my insurance company to properly tranafer my policy.
Consumer complaint received 2024-04-22
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)

The following companies show an open balance and fraudulent phone numbers to contact on my reports from XXXX, transunion, and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

The following companies show an open balance and fraudulent phone numbers to contact on my reports from XXXX XXXX and equifax. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (NJ)

In accordance with the Fair Credit Reporting Act. The list of accounts and incorrect personal information below was posted to my consumer credit report inaccurately and without my consent. My federally protected consumer rights to privacy and confidentiality under 15 USC 1681 has been violated. 

Accounts XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX - Acct # XXXX Personal Information 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, NJ XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX As you can see there are multiple inaccuracies that was posted on my consumer report. 
15 U.S.C. 1681 section 602 A. States that I have the right to privacy. My privacy has been breached.

15 U.S.C 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish a account without my written permission. I did not give any written permission for these agencies to furnish these account on my consumer report.

15 U.S.C 1681 Information excluded from consumer reports : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) 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 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.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

15 U.S.C 1681 ( 2 ) EXCLUSIONS : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have been severely affected financially by the information listed above which are all incorrect. To satisfy this harm that has been done to me, I am requesting a deletion of all the accounts and personal information listed above immediately.