davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete this account. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.
Consumer complaint received 2023-02-22
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account 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.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (FL)

I did requested a thorough investigation done through all credit bureaus ( XXXX, Equifax, and XXXX ) and they did state that it was accurate and I did and double investigation myself and it is inaccurate. I have made several attempt to resolve this issue with the credit reporting agencies. I have been trying to resolve these issues since early 2022 and as of today no avail. 
According to the In accordance to the fair credit reporting act the following accounts has been verified and has violated my rights. 
XXXX XXXX - no account number available Amount : {$720.00} XXXX XXXX - Account number XXXX Amount - {$5900.00} XXXX XXXX XXXX, XXXX XXXX XXXX Amount : {$580.00} XXXX XXXX XXXX XXXXXXXX XXXX Amount- {$580.00} 15 U.S.C 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604 Section 2 Agency can report anything on your credit report without have written instructions from me.
Consumer complaint received 2023-05-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (MO)

I requested a IRA CD fund transfered into a 14 month cd to be distributed for 2024 in my Synchrony Bank account. Instead they put my funds into a 3 year cd. They admit it was their fault and that they have escalated their efforts to make the change whatever that means. I have been calling them weekly for the last 2 months to no avail. 

At the same time my wife XXXX requested them to send funds to an Anuity company and leave money in 3 different IRA CD 'S to be distributed in 3 different years. They sent all the money instead to the annuity company which those funds are now tied up. To with drawl these funds and to now send them back would cost us 9 % penalty. 
I'm sure their shoddy practices are hurting many more families then ours throughout the country.
Consumer complaint received 2023-12-22
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. (TX)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be amended right away. 
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2024-04-20
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. (NY)

This account is showing XXXX different open dates a cross the bureaus on Transunion it is showing XX/XX/XXXX, XXXX XX/XX/XXXX and on XXXX XXXXThe high balance on Transunion is {$370.00}, the high balance on XXXX {$0.00} and the high balance on XXXXXXXX XXXX XXXX.On Transunion the Credit limit is {$100.00}, on XXXX it is reporting as {$100.00} and on XXXX it is report as XXXX XXXX.Last reported Date on transunion is XX/XX/XXXX, on XXXX XX/XX/XXXX, on transunion XXXX.The last active date on transunion XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. On Transunion shows no date of last Payment, XXXX shows no date of last payment, and XXXX shows date of last payment XXXX.Updating with the Charge off Status every month munipulating the statue of limitation on both XXXX and XXXX.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.Transunion failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights.I am demading a deletion of the following account : Account name : XXXX  Account : XXXX Enclosed is a Screenshot of my XXXX and XXXX Credit Report Providing proof
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

To whom it may concern, I am writing to file a formal complaint against XXXX XXXX XXXX regarding the inaccurate reporting of my account status to credit reporting agencies. Despite adhering to the provisions and protections offered under the CARES Act, XXXX XXXX XXXX has reported my account as " payment past due, '' which has negatively impacted my credit score and overall credit history. 

In XXXX 2023, I experienced financial hardship due to the COVID-19 pandemic. Aware of the provisions under the CARES Act, I reached out to XXXX XXXX XXXX to discuss accommodations for my account. We agreed upon a payment that was not late. 

To further clarify, I have ensured that all my payments were made on time. If there is any report of a late payment, it is erroneous and possibly due to a technical or administrative error on XXXX XXXX XXXX ' part. This is deeply concerning as it not only misrepresents my financial responsibility but also unjustly tarnishes my credit history. 

Under Section 4021 of the CARES Act, if a creditor makes an accommodation to a borrower because of the pandemic and the borrower meets the terms of that accommodation, the creditor is required to report the account as current to the credit reporting agencies. However, despite meeting the terms of our agreement and ensuring timely payments, XXXX XXXX XXXX has reported my account as " payment past due. '' Furthermore, under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report and request a timely investigation. The inaccurate reporting by XXXX XXXX XXXX not only violates the CARES Act but also my rights under the FCRA. 

This inaccurate reporting has caused undue stress and potential financial harm. The negative mark on my credit report could hinder my ability to secure credit or loans in the future, and it is unjust given that I acted in good faith, adhered to the terms of our agreement, and ensured all payments were made on time. 

I kindly request the following actions : XXXX XXXX XXXX should correct the inaccurate reporting immediately and ensure my account is reported as " current '' to all credit reporting agencies. 
I would like a written confirmation from XXXX XXXX XXXX acknowledging the error and detailing the corrective actions taken. 
Any negative impact on my credit score due to this inaccurate reporting should be rectified. 
In accordance with 15 U.S. Code 1681i, I request a thorough investigation into this matter to ensure the accuracy of my credit report. 
I trust that the CFPB will take this complaint seriously and ensure that XXXX XXXX XXXX adheres to the provisions of both the CARES Act and the FCRA. Consumers like myself rely on the protections offered by such legislation, especially during unprecedented times like these. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-22
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely omitted : XXXX XXXX  XXXX
Consumer complaint received 2023-09-23
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America owes me for 11 deposits XXXX made to my account that won't show in any of my statements. They claim the statements that show those deposits are archived and can only be retrieved by a supervisor. I've requested those statements 3 times and they have failed to send them. To me. They denied my claim for XXXX because they said it was part of another claim but my other claim were for transactions made from XX/XX/. Not from XX/XX/ or XX/XX/ which the 11 deposits from XXXX were made to my account. Those deposits were XXXX that I never received. Thst were not included in my first claim which was filed for XX/XX/ The months of XXXX and XXXX are the ones that show they owe me. Yet they refuse to let me see those two months of statements The supervisor who filed my claim said these two months statements were only accessible and viewable by a supervisor so how can they say they paid me if they couldn't even see those transactions only a supervisor had access to locate them. Not the claims specialist or any representative no body but a supervisor. They owe me for XX/XX/XXXXandXX/XX/XXXX 11 deposits totaling. {$12000.00}
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : $ {$11000.00} XXXX  XXXX  XX/XX/2022
Consumer complaint received 2023-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I purchased a XXXX on XX/XX/2023 via the web site XXXX XXXX XXXXXXXX and paid by XXXX using my bank account in Bank of America {$900.00} XXXX XXXX XXXX  XXXX XXXX XXXX. The details for the payment were provided by a representative from XXXX via live chat on the website. I received a confirmation of the order. It seemed valid. However, on the next day I understood that I was scammed, because I was asked to pay additional {$150.00} for delivery to some strange delivery company XXXX, and I submitted a claim about the scam to my Bank of America. Two weeks later the bank sent me a letter, which I received XX/XX/2023, saying that the claim is not approved. I submitted to the bank request to reconsider and again the claim was refused by XX/XX/2023. The bank cleared the transaction to scammers one day AFTER I reported the scam! I tried to requeest money back using XXXX from my bank from XXXX XXXX XXXX, and, of course, there was no response. I requested from the bank to provide details of this scammer 's XXXX account and name of the owner, but my bank did not respond. The website is created by criminals to still money and does not ship any goods, and my bank did not help me to get money back from the scammer. 
Scammers used following e-mails and phone : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-22
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. (MO)

" According to the Fair Credit Reporting Act 15 USC1681 section 602 states '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXXXXXX ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' ( ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX ( XXXX XXXXXXXX ), whether verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( XXXX XXXXXXXX ) Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which Is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting SERVICES account amount {$1100.00} date open XX/XX/2021 ACCOUNT AMOUNT {$1100.00} date open XX/XX/2XXXX XXXX
Consumer complaint received 2024-04-20
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)

Per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ) that the consumer reporting agencies make sure they provide fairness, impartiality, and respect for me the consumer right and my privacy. However, XXXX, XXXX, and Transunion are the credit reporting agencies and I am the Consumer. So, since I am the consumer I have the given right to make sure my private information isn't shared per 15 USC 6801 and just to give a brief summary it states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' The credit reporting has inquiries that I do not have accounts for, I've reached to them numerous of times to have them removed and nothing has been done ( 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all need to be removed or proof needs to be provided. Those inquiries needs to be removed from all credit reporting agencies per 15 USC 6801 and since you violated me and failed to follow the law ; I'm entitled to {$1000.00} per violation plus the stress and inconvenience it has caused. Also I have a Charge off from XXXX XXXX that's reporting different amounts which is not accurate, Another Charge off is XXXX XXXX XXXX  And per CFPB complaint a XXXX XXXX is considered a certificate of indebtness which means it is income and must be removed. The Family Educational Act of 1974 the promised not give my information to anyone and my student loans are reporting ( XXXX ) with different information with the credit reporting agencies ; I want to opt out from all credit reporting agencies. And then it's illegal to to report transaction history per 15 USC 6805, so this needs to be updated immediately. For any question or concerns please feel free to reach out. Best regards.