davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my fourth 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-12-20
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. (MT)

Charge off is inaccurate account according to IRS charge off can't be reported as ordinary income 15 USC 1681 ( b ) or neither have I've received 1099 c form XXXX XXXX XXXX  XXXX Referance ID : XXXX stated {$3900.00} balance. Sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter with their initial letter. Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of authorization I the consumer may have given XXXX written, un-written, verbal and non-verbal per 15 USC 6802. I am " opt-out '' of XXXX reporting on to 3rd party/non-affiliate credit agencies. XXXX Funding company continues to violation of FDCPA, PA, FCRA, ECOA, RICO, CCPA and FTCA CCPA have the right to 2500 or 7500 per violation. 15 USC 1681n, 15 USC 1681b, 15 USC 6801, 15 USC 1681a, 15 USC 1666b, 15 USC 1681e, 12 CFR 1022.3 Please remove this account from consumer report immediately. Per listed violations above, consumer reporting must have my written consent. Per listed violations above, consumer report can not report late payments nor transaction history relating to account. Consumer does not agree nor consent to use of my private consumer report. Please cease and desist all communication activities including communication with me through consumer reporting. This is a deceptive practice by XXXX XXXX and is in violation of my privacy under Privacy Act of 1974. I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. the consumer will take it a step further in seeking remedy per 15 USC 1692k. reporting under the Fair Credit Reporting act but also this damage could affect my rights to credit under the Equal Credit Opportunity Act if fraudulently reported. I ask that unless XXXX XXXX can provide me original signed contracts with my signature, that you cease and desist. XXXX XXXX is harassing me and failed to provide any documentary evidence of such alleged debt. There is no true bill.
Consumer complaint received 2023-11-08
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. (NY)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX from 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 1692b acquisition of location information by debt collectors.

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-03-27
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-08
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. (CA)

I have attempted many times over the past year to correct false information, inaccurate negative reporting, fraudulent reporting, on my credit reports to no avail. The credit agencies Management have failed to honor their agreements in written and via telephone, to remove the fraudulent accounts and reporting.

Per the federal law, the company has exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). However, the investigations are not being completed whatsoever and the credit reporting agencies are using secondary agencies instead of the furnishers of the accounts.

Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of 607. Compliance procedures [ 15 U.S.C. 1681e ] ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( a ) In general. ( 1 ) Proper identification. A consumer reporting agency shall require, as a condition of making the disclosures required under section 609 [ 1681g ], that the consumer furnish proper identification. ( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing.
Consumer complaint received 2023-12-20
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. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc., 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 the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2024-03-27
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)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the paperwork? Several of the mentioned accounts exhibit inaccuracies in terms of their reporting.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, 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. (MA)

This is XXXX XXXX once again, and I am submitting this CFPB complaint one more time to dispute specified remaining inquiries in my file resulting from the crime. Once more the inquiries I am disputing do not relate to any transactions procuring any possession of goods, services or money that I have made or authorized. I will repeat that these inquiries are unknown to me. Also, the information provided by the Experian and XXXX XXXX on these inquiries were already DELETED from my XXXX Credit Report and I have doubts in the reporting accuracy shown in my Experian and XXXX Credit Reports, and the history on some inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I kindly request the Experian and XXXX XXXX to fully remove these inquiries in my credit file, listed below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My information was leaked and the check was defrauded. After that, I reported the fraud. The staff of Bank of America told me that I could open a new account to solve the problem of information leakage, so I went offline to close the old account and opened a new account a week ago. However, I received a message on XX/XX/XXXX that the new checking account and the old one were closed together, and I was told that I could not open and use any debit accounts in the Bank of America. When the two accounts were closed, I still had nearly XXXX dollars in my account.
Consumer complaint received 2023-04-16
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-03-27
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 am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-12-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One card was opened by me. The company was informed that this account was paid by some individual that was not me. The amount {$9100.00} This was not my account, nor did I make any payments. This was opened with the information that was on my credit report. I'm asking that the information be removed, and the account closed. I would like as well that the social security number blocked from opening any account in my name. I filed a police report XXXX in XXXX XXXX police department. XXXX XXXX XXXX Thank you. 
XXXX XXXX
Consumer complaint received 2023-12-20
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. (OH)

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2023-12-20
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint against XXXX XXXX for Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing this complaint to bring to your attention the egregious violations committed by XXXX XXXX, a company engaged in unfair and deceptive business practices. My complaint is grounded in the violations of various consumer protection laws, including but not limited to 16 CFR 313, 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, 16 CFR 433.4, 16 CFR 433.5, 15 USC 6801, 15 USC 6802, 15 USC 1681, the Privacy Act of 1974, the Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Act. 

I recently discovered that XXXX XXXX has been reporting my transaction history to TransUnion, XXXX, and XXXX without my explicit authorization. This unauthorized reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Specifically, the following violations have occurred : 16 CFR 313 - Privacy of Consumer Financial Information : XXXX XXXX has failed to provide proper notice and opt-out mechanisms as required under XXXX CFR XXXX. Moreover, the company has neglected to obtain my explicit consent before disclosing my nonpublic personal information to credit reporting agencies. 

16 CFR 433.1 - Preservation of Consumers ' Claims and Defenses : XXXX XXXX has violated this regulation by reporting inaccurate and unauthorized information to credit reporting agencies, damaging my credit history and causing harm to my financial reputation.

15 USC 6801 and 15 USC 6802 - Protection of Nonpublic Personal Information : XXXX XXXX has failed to implement and maintain reasonable procedures to protect the confidentiality and security of my nonpublic personal information. 

15 USC 1681- Fair Credit Reporting Act : The company has unlawfully reported inaccurate information without obtaining the required authorization, thus violating the FCRA. 

Fair Debt Collection Act : If XXXX XXXX is attempting to collect a debt, the company must adhere to the Fair Debt Collection Act, which includes providing accurate information and validating the debt upon request. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions against XXXX XXXX for their blatant disregard of consumer protection laws. I also request that you ensure the correction of any inaccuracies reported to credit bureaus and the cessation of unauthorized reporting. 

Thank you for your prompt attention to this matter. I believe your intervention is crucial to protecting consumers and upholding the integrity of the laws designed to safeguard their rights. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

i received a {$75.00} and a {$25.00} amex XXXX gift card from work. on XX/XX/XXXX i tried XXXX online it declined. on XX/XX/XXXX i attended to use the card at XXXX and it declined. i called customer service and they said those companies do not take amex. they both do because i have a separate amex card that i personally use. I tried XXXX again because she said XXXX should work, but it doesnt. i tried postmates, but that didnt work either!!! I read that XXXX can add an amex card to the account but that did not work either because it requires a zip code??? i gave multiple! called service they said there is no zipcode for the card. XXXX. no place takes this card!! i called customer service back and they were incredibly useless. they can not send a physical card or give me a visa. but for some reason, XXXX and XXXX can take XXXX cents off of my card multiple times, but decline my transactions!!! this gift card fiasco has been frustrating over the holidays. i couldnt buy a single gift with it. At this point i would like a check with the money. XX/XX/XXXX customer service and card!!
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Levy & Associates, LLC (VA)

Levy Law Firm notified XXXX XXXX  Legal Department to prematurely and wrongfully processed a notification as a court-ordered levy from Levy Law Firm XXXX XXXX ) to garnish my savings account in the amount of {$10000.00} on XXXX, XX/XX/XXXX without a legal court order to do so. The XXXX XXXX XXXX Government Clerk of Superior Court stated that the court has not issued a garnishment levy to Truist on behalf of XXXX XXXX XXXX XXXX to garnish my account because the case has not gone to court to be ruled on. My account is now overdrawn - {$9000.00} with a pending Exceptions/Administrative Hold until XX/XX/XXXX. My concern is that XXXX acted with reckless abandonment without court consent and violated my consumer rights to oblige the underbelly tactics of XXXX debt collecting agency.
Consumer complaint received 2023-11-29
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. (MA)

I recently checked my credit report and saw in the collection that I am not aware of. This collection is fraudulently reporting on my account and it's completely inaccurate. Whatever this is agency is in violation of 15 U.S.C. 1692g. I do not validate this debt. Also, according to 15 USC 1681, my credit report should be 100 % accurate. The XXXX XXXX XXXX XXXX does not have the account number, which is a violation and it is inaccurate.