davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (VA)

I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. If company " verifies '' than show me the agreement signed between I and the creditor that authorizes me to give them consent to furnish these accounts Accounts 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 ADDRESS My only address is XXXX XXXX XXXX XXXX XXXX , Va in which I do not sent to it being sold or shared. Any other address on my report is nonmailable and needs to be removed. I Reserve All of my rights and waive none NAMES My only name is XXXX XXXX. Remove all others
Consumer complaint received 2023-09-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (IL)

We had 3 savings/investment account that were subject to fraud. On XX/XX/XXXX and XX/XX/2023, someone withdrew around {$5000.00} from our savings accounts, closed our CD account with around {$10000.00} attempting to withdraw those funds as well, and we had an additional investment account with {$5000.00} in bonds. 

We reported the {$5000.00} funneled out of our account, and theyre currently investigating. The account was flagged for fraud before they were able to withdraw the {$10000.00} from the CD account however, the investment account with {$5000.00} the Bank ( Goldman Sachs ) says theyre not seeing it. We have attempted 5 different days, multiple calls, and they say theyre not seeing this account. 

In addition to this, we reported that {$6400.00} was transferred from our main checking account to a Goldman Sachs account under my name however, theyre not seeing those {$6400.00} as well.
Consumer complaint received 2023-04-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

My loan modification was denied XX/XX/XXXX. I applied for modification XX/XX/XXXX and my loan number was XXXX. 

I was a victim to Bank of Americas load modification scandal. It took an application process 1 year and 7 months to reach a decision. This was due to being told I was missing a document when I wasnt and being told I had an incomplete application when I didnt. Also could not reach my loan XXXX as they would not return messages. My loan XXXX told me not to pay my mortgage because when the modification was approved the past due payments would get lumped into the modification. She said because I had a VA backed mortgage it was a certainty of approval. When we would call her we would always get her voicemail but it would have her supervisors number and we would call that and get the same thing. The only way to get her on the phone was to call from a number we had not called from prior. On XX/XX/XXXX BoA sold our mortgage that was in foreclosure to XXXX XXXX. Because of BoA tactics we lost our home, filed XXXX, and my benefit with the VA was restricted. That led to me paying more for our next home as I have a debt to the VA that was not paid back. To this day we are still feeling the effects of what BoA and their unethical and fraudulent misrepresenting has done to us.
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX  XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-09-23
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: EQUIFAX, INC. (FL)

I'm here today to talk about my recent experience with a XXXX dealership. In XX/XX/2023, I went to a XXXX dealership to lease a car in my own name. The dealer asked me if my credit was good enough and I showed him my bank 's credit score report. He said that I would definitely be approved for a lease in my company 's, due to my high XXXX credit score. 
Unfortunately, a few months later, I noticed that the dealership had made a couple of hard inquiries on my credit report without my consent. This was completely unnecessary, as I had already shown them my credit report from my bank. It's important to be aware of any hard inquiries that have been made without your authorization. 
and it was done on two different dates ( see attachments )
Consumer complaint received 2023-05-03
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/20XXXX 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 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In  XXXX   2017 I g ot a credit report pulled and it was showing that I had been   XXXX  t imes late on my car payments with   XXXX   XXXX   I call them that day and they told me that I was behind on my car payments  XXXX  difference cars. I told them that I had the bank statement show that I did pay them and on time. I had to fuix to them my Bank statements it took them three months before they gave me credit for  thos  payments there was two payments that they told me that I did not pay I fax a letter to  XXXX  and told them they must report to all  XXXX  credit agents that I had not been late. But they never did. I have been on them since  XXXX   2017. I g ot a call today from  XXXX  saying they wanted to let me know that they was going to have  XXXX  late 's removed from my credit reports. i told them that they was going to cause me to loss our home because I have a bloom payment in  XXXX    XXXX  . The lady said so there is nothing that I am going to do about that. I call the head office of  XXXX  in  XXXX  IL. and they sent me my pay History and it show that I have never been Late on my payments. I have a loan company called  XXXX   XXXX   XXXX  that is working with me on refinancing our home But they are telling me that they can not do the loan until I get all off my report. I even sent they my bank statement showing I had paid them on time. I need your help. I have all the proof to all  XXXX  credit Bureau 's and they still have not removed anything and it has been three months. I have sent it them each month and all the proof that this is fraud from  XXXX   XXXX . Please help me.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit file has incorrect information being reported to it by XXXX XXXX, a credit card was opened without my knowledge and without my authorization. the account associated with my name without my knowledge or authorization was reported over the credit limit on the XXXX day of XXXX XXXX, causing my credit to decrease. The account was also closed. This company has no proof of any authorization from me to open this account, they just have information that other companies have that someone used to conduct fraudulent activity against me. They are causing me emotional and financial distress. The fact that I was on XXXX XXXX XXXX stationed in XXXX when this account was opened should prove my innocence, I can't open a stateside account in another country.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC (SC)

I sent a dispute on this with the consumer credit reporting agencies. My understanding a settled account can not be listed as a charge-off on the credit report. Currently, this is reporting as a charge off with the following comments : Payment after charge off/collection settled-less than full balance. However, the settlement agreement that was emailed and the completion made no reference to this being listed as a charge-off. I need the credit file to be updated exactly as promised or deleted if it can not. I have attached the emails showing the promises made by opp loans once I completed the settlement. I feel like the company is negligent in how they updated the information because it should have been updated as agreed in the settlement offer.
Consumer complaint received 2023-08-31
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. (NJ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MN)

I sent money to my nephew who is a XXXX citizen and resides in XXXX. First, he was asked to bring his residency papers and passport, which he did the following day. When he went with his residency papers, work permit, and XXXX passport, he could still not access the funds from the post office. When postal service workers in XXXX called XXXX, they were told that the system is not set up to accept a XXXX passport that had been renewed at the XXXX embassy in XXXX. He was told if his passport had been renewed in XXXX, he would have no problem receiving the funds. All this time, I was calling Moneygram here in the US and being told he could access the funds. He could not. Moneygram refuses to refund {$4.00} I paid in transaction fees. 

I then tried to send the funds via XXXX on XX/XX/XXXX ( transaction ID XXXX ). I had no problems sending money via paypal in XXXX years and using my bank account. This time, the XXXX system required that I log on to my bank account and that failed XXXX times when XXXX would redirect me to log in. However, I could log onto my account using a different browser. I called XXXX and they said there was nothing I could do and it was my bank 's problem. I called my bank and was told that this was a XXXX problem. This had never happened before in over XXXX years. XXXX had never directed me to log into my account from their site. 
I ended up adding my debit card that is tied to the same bank account onto XXXX XXXX account. The transaction went through. However, I was now required to pay {$11.00} in fees to send {$200.00} to a XXXX account. If the money had been just deducted from my bank account without using the debt card, the same transaction would have cost {$4.00}. I complained to XXXX and they have done nothing and refused to refund the difference. 

Thank you. 

XXXX XXXX
Consumer complaint received 2023-08-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/XXXX  I requested to close my account at Citizens Access Savings and transfer the funds to XXXX XXXX. I received a confirmation number for the transfer. By XX/XX/XXXX nothing had happened. I called and was told the account was under review but the CSR would not explain what that meant. I have spoken to various CSR 's over the month of XXXX. I have been told that my wife needs to be on the account to transfer the funds. I have never been given the means to add her despite repeated requests for access. I was also told that my birth date was wrong. I asked for that to be corrected. Every CSR says they will take care of requesting that I get access but none have been successful. The account balance when I requested closing and transfer was {$56000.00}. I do not know if more interest has accrued.
Consumer complaint received 2023-08-23
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (FL)

My new balance with XXXX student loans is {$4400.00}. All other student loan debt was forgiven via the XXXX student loan, I have called XXXX and Equifax to have this corrrected and its stil on my report. I even provided the XXXX account statment, its attached again.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My new balance with XXXX student loans is {$4400.00}. All other student loan debt was forgiven via the XXXX student loan, I have called Transunion and XXXX to have this corrrected and its stil on my report. I even provided the XXXX account statment, its attached again.
Consumer complaint received 2023-08-23
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. (OR)

In accordance with the Fair Credit Reporting act 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 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 then records of convictions of crimes which antedates the report by more then 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 2023-09-23
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Account Name .... XXXX XXXX XXXX ... Account XXXX XXXXXXXX XXXX XXXX Account # XXXX 
XXXX... Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX15 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 instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (LA)

I have requested for a security freeze to be placed on my consumer file. Equifax has yet to meet my request so Ive sent another letter to request a security freeze. Its been so hard for Equifax to respond to me. They will have you waiting months before getting back a response. I have mailed the required documents to identify myself so that the security freeze can be placed.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-05-03
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. (MI)

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  account number : XXXX, XXXX XXXX : account number XXXX us dept of ed/XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX 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 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.