davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In the past year, I have written multiple letters to XXXX XXXX XXXX XXXX and Transunion Credit Bureaus explaining to them that my name, address and employment is incorrect. I have sent XXXX and Transunion my Driver 's license to validate my ID, Utility Bill to validate my address, FTC Report to show that I've been a victim of Identity theft and a dispute letter to explain and show the accounts that are fraudulent. In accordance with the XXXX XXXX XXXX Acts, XXXX have not been in compliance with the FCRA laws. The equal credit opportunity act prevents creditors from discriminating against individuals. I strongly believe that XXXX and Transunion have discriminated against me. My name, address and employment has been reporting incorrectly in their system and they have yet to correct it. As a victim of Identity theft, I shall not be penalized for actions that I have not caused. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. XXXX and Transunion should be penalized for not following FCRA laws. Also, including that my personal information was impacted by XXXX XXXX XXXX back in XXXX. XXXX and Transunion have failed me as a consumer.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WESBANCO BANK, INC. (GA)

Our WestBanco secured credit card was closed XX/XX/2023, The secured balance was applied to the cards outstanding balance and overage was paid to bring the balance to XXXX. 

Over the past 2 months we were told the account was not closed and we were accruing late fees and interest. We have made multiple calls to the bank with no resolution. 

Our next step is civil litigation.,
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm filing my complaint in accordance with the FCRA 's guidelines to ask that the following items, which I believe to be erroneous and incomplete, be looked into right away and updated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
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. (AZ)

I haverepeatly denied credit accounts due to information they pull from the three major credit bureau illegally. Under privacy act they dont have scores or have wrong information on my reports and will not provide the evidence of such debts experience has no score and debts not mine has for years equivalent I can not access and they charge to do so identity theft and they do not provide protection they advertise false advertising. When dispute they have the bank or debts investigate the dispute and it never gets corrected major fraudelent schemes third party verification illegally unauthorized coming from Arizona
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, 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. (TN)

A car was purchased using my personal information while I was under wage earner. My drivers license number is  XXXX . It have been stolen. My social security number stolen the spelling of my name was  XXXX   XXXX   XXXX  in the court. My address was  XXXX   XXXX   XXXX   XXXX , TN  XXXX . I was suppose to be protected under wage earner.
Consumer complaint received 2018-11-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc. (TX)

This company has been harassing me on my mobile device and calling my place of employment, they have been threatening that a locator has been looking for me and they are trying to take me to jail because the loan was not paid off. The reps in which Ive spoken with today XX/XX/2018 were very rude and told me that the company WILL receive their money by any means. I am very disappointed that they are and have been harassing me like so. I asked the rep how much did i owe she gave two different amounts in which one amount i have no clue of. I asked about an installment plan but she was beyond demanding about receiving my funds after me telling her that Im unable to pay at this moment. Also i havent yet to receive anything in writing from this company demanding money.
Consumer complaint received 2023-06-07
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. (NY)

I have sent in disputes and also a debt validation letter. Included will be the mail tracking number and documents that were received from them in correspondence to the debt validation. The information they sent does not suffice a validation of a consumer or credit debt that I owe. The company XXXX XXXX XXXX XXXX, account # : XXXX is reporting on multiple credit bureaus inaccurate information. 
Certified mail receipt tracking # XXXX Date : XX/XX/2022 No documents that were included were the required documentation to validate a debt. 
Included will be all documentation received from XXXX XXXX XXXX XXXX. I would like to also be compensated for the multiple violations committed by company XXXX XXXX XXXX XXXX and or Experian. 
{$1000.00} per violation under 15 USC 1681 ( a ) ( 1 ).
Consumer complaint received 2023-12-06
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)

Upon reviewing my credit report, it has become evident your company, acting as a consumer reporting agency, along with the so-called " creditor, '' have unlawfully provided my information without obtaining my written consent, as explicitly required by 15 USC 1681B of the FCRA. It is imperative that you understand that I do not consent to the unauthorized furnishing of any of my information by any means, as delineated by my rights under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, in light of the provisions stated in 15 USC 1692a ( 2 ) of the FDCPA, it is evident that the transmission of information regarding a debt, directly or indirectly, through any communication medium constitutes a " Communication. '' As per the literal interpretation of " any medium, '' this encompasses various forms of communication, be it oral, written, electronic, or others. Therefore, the act of furnishing my consumer report, which contains information about the alleged debt, constitutes a " Communication '' under the FDCPA. 
In accordance with my rights outlined in 15 USC 1692c ( c ) of the FDCPA, I hereby provide you with formal notice to immediately cease all further communication pertaining to this account. This includes, but is not limited to, any form of contact such as telephone calls, emails, social media interactions, or any communication made through a Consumer Reporting Agency. 
Please be advised that any continued contact or communication from your company or its agents, except for a communication acknowledging receipt of this letter, will be viewed as a violation of the FDCPA. It is crucial that you take this notice seriously, as I am fully prepared to exercise my rights under the law. 
Failure to respect this cease-and-desist notice will leave me no choice but to pursue legal action against your company. Please understand that in any ensuing legal proceedings, I will seek all available remedies and potentially claim damages allowed under the FCRA and the FDCPA. 
I urge you to promptly address this matter and comply with this cease-and-desist notice to avoid the need for further legal intervention. I kindly request a written acknowledgment of receipt of this letter, along with your commitment to comply with the instructions provided.
Consumer complaint received 2023-12-06
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 formally requesting this letter to update this account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-06
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. (LA)

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  Account # XXXX ; has violated my rights. 
Account # XXXX Account # XXXX Account # XXXX 15 U.S.C. 1681 602 A. states I have the right to privacy.

15 U.S.C. 1681 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 accurate.
Consumer complaint received 2024-03-25
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-06-10
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. (VA)

On or about XX/XX/year> i filled out a form on Equifax to see if i was affected by their data breach.It was positive, and in fact i was affected. Equifax committed these violations. 


Violations : 15 u.s code 6801 ( 1 ) ( 2 ) ( 3 ) ( 4 ) 15 u.s code 6802 E,3a 3b
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing to file a formal complaint against Bank of America regarding a blatant violation of the Electronic Fund Transfer Act ( EFTA ). The issue at hand pertains to the handling of a fraud claim totaling {$7400.00} on my account. 

I, XXXX XXXX, was unfortunately hospitalized for an extended period of three months and was oblivious to the unauthorized charges made through XXXX XXXX during this time. It is crucial to note that I do not possess a XXXX XXXX account and, therefore, could not have initiated or authorized the transactions in question. 

Despite the immediate cooperation and the submission of all necessary documents requested by Bank of America, the bank has openly admitted to breaking the EFTA federal regulation by failing to provide provisional credit within the mandated 10-business-day period.

This delay in the resolution process has not only caused undue financial hardship but has also demonstrated a clear disregard for the consumer protections established under the EFTA.I deserve a prompt and just resolution to this matter, including the timely issuance of provisional credit as stipulated by law. 

Enclosed with this complaint, you will find copies of all relevant documentation, including the hospitalization records, and any other pertinent evidence supporting our claim. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action against Bank of America for its failure to adhere to the EFTA regulations.

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

While checking my MACU account online on XX/XX/23 I noticed a fraudulent charge on my debit card for {$340.00} at XXXX XXXX XXXX XXXX XXXXXXXX in XXXX, Utah. I disputed the claim over the phone with the MACU fraud department and froze my account. I then noticed that while we were on the phone a new charge was added for {$120.00} at the XXXX XXXX in XXXX XXXX, Utah. I went in to the XXXX, Utah branch and disputed that claim and received a new debit card. I received provisional funds to replace the money taken in both fraudulent transactions within the next few days. 
On XX/XX/23 I received an email from MACU claim support stating that their investigation had found that the first transaction at XXXX 's was not the result of fraud, that my card had been present at the merchant, and since I had claimed card secure, it must have been me initiating the transaction. They said that they will take back the provisional funds to the amount of {$340.00} from my account on XX/XX/23. On XX/XX/23, I received another email regarding the second charge from the XXXX XXXX and stating that the provisional funds given for that transaction to the amount of {$120.00} would be taken from my account on XX/XX/23. I was clocked in at work on XXXX XXXX  during the time both transactions were initiated, and I was present at the XXXX branch within XXXX minutes after the second transaction showed on my account, so I could not have been present for either transaction. My card was in my possession with me at work and in the bank and could not have been present for either transaction. No one else with access to my account made the purchases either.

I am also frustrated with my treatment by the MACU fraud department. The employee that I spoke with on the phone when I attempted to reopen my disputes did not believe me and treated me as if I was a fraud, a thief, and a liar. They did not give me any information on how I can appeal their denial of my dispute, information to which I am legally entitled, and I was not provided with any documentation of events that cause them to believe my dispute was fraudulent. Two more fraudulent charges for {$300.00} from my XXXX XXXX savings and {$75.00} from my credit card occurred on my online account through fraudulent transfers to other banks on XX/XX/23, which I called the bank to dispute, and my experience with the fraud department was the same. They did not believe my claims that these transactions were fraudulent and they treated me as such. After much back-and-forth trying to prove that I did not initiate those charges, they extended a provisionary credit of {$75.00} for the credit card charge, but have not as of yet extended a credit for the {$300.00} charge. 
I do not believe that Mountain America Credit Union is doing all it can to protect its members and their funds. I believe that it is an unsafe bank, and I believe that it treats its members poorly.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Was scammed out of XXXX dollars from service provider. Disputed with bank and they have given me no updates and have said that there will be no updates or timetable for getting my money back which is unfair because I have done everting to protect myself and have deleted my accounts and no one is helping me or trying to work with me.
Consumer complaint received 2023-06-09
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: OneMain Finance Corporation (NY)

In accordance with the Fair Credit Reporting Act, ONEMAIN XXXX Balance Owed : {$5600.00} has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under XXXX 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 2024-03-25
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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. (MS)

I was an authorized user on my soon to be XXXX XXXX  account. He removed me from the account and I filed XXXX disputes with the credit bureau to remove the account from my credit report. XXXX reported to the credit bureau twice that I was still an authorized user. I contacted XXXX and they confirmed that I was no longer on the account but refused to give me anything to provide to the credit bureau and still continued to report inaccurate information to the credit bureau.
Consumer complaint received 2023-11-16
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: Experian Information Solutions Inc. (MD)

I have an unauthorized hard inquiry that was obtained without my consent, it is not opened to an account. I want this inquiry removed immediately. This inquiry is XXXX XXXX  XXXX XXXX on XX/XX/2023 XXXX
Consumer complaint received 2023-11-16
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. (PA)

XXXX XXXX, Experian, and XXXX is reporting account transactions and my identifying information from XXXX  XXXX and XXXX XXXX XXXX XXXX without proper consent. I never gave any written consent to any of the companies for share, transfer, or sell my identifying information. 

All the companies actions have caused a breach and now my identifying information has been exposed. These actions constitute identity theft and criminal activity. 

I am taking the necessary actions to require that the companies cease furnishing and reporting my information.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.