davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023 I filed a complaint with cfpb ( complaint # XXXX ) regarding an unauthorized credit inquiry from multiple finance companies at XXXX XXXX XXXX XXXX, CA. On XX/XX/2023, they ran my credit without my permission, and I was not interested in purchasing a vehicle nor co-signing for anyone. I was with a family member who had a pre-approval letter from his personal bank, XXXX XXXX, which was presented to the salesman and was verified by his finance manager. The salesman said they needed a contact person 's information for backup. So, I gave him my ID. He and his manager took it upon themselves to run my credit as if I was going to co-sign for my son. All this happened on XX/XX/2023. At least a week later, I decided to check my credit report, as I do on a regular basis, and noticed that I had 5 hard inquiries. I was devastated. Once I figured out what had happened, I contacted the dealership, and they told me they could do nothing and it will come off in 2 years. They missed the whole point. I never applied for credit with any of them, and they definitely did not have my permission to do so. l never filled out anybody 's credit application nor did I sign anything. The five finance companies who unlawfully ran my credit without permission were XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The action has tainted my credit in a negative way. 15 U.S.C. 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 states that in accordance with the Fair Credit Reporting Act, these creditors have violated my federally protected consumer rights to privacy and confidentiality.
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

I have a fiancee in the XXXX  and we had planned to marry in the first of 2024. I send her a small amount of money for her to buy the tickets and other things we will need for the marriage. 

For some reason when I try to send money using Moneygram or any other company such as XXXX XXXX i am no longer aloud to use the service. I am a person who obeys all laws that I know about and I want to fix whatever is in the system that is prohibiting me from sending money. Sending the money is not that important but if I am not incompliance with some law or rule I want to fix the issue. The reason is that I am presently preparing a passport and she is working on a XXXX. If I have broken a law are if I am not in compliance with the rules for transferring money, I would like to be advised so that I may correct my fault. 

I really would appreciate your help in fixing this, I am XXXXXXXX XXXX XXXX and I want to enjoy what life I have left, as well as possible. Thanks again for your help.
Consumer complaint received 2023-10-17
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX, Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-17
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-06
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. (KY)

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  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX and 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 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have been trying to resolve this account for THREE months, I then receive a notice that my file has been updated correctly and then 2 days later it is back to having a balance. I have sent NUMEROUS letters and fax to all 3 credit bureaus to get this problem corrected, I have spoken to several customer service representatives about this issues again today XX/XX/18 I called all 3 credit bureaus AGAIN about this problem and a XXXX for the ( XXXX   team ) at experian told me there is nothing she can do but keep filing a dispute. I have send them a letter regarding this account and now she is telling me they cant accept the letter because some of the letter has the account number encrypted. I'm very frustrated at getting this resolved and they are now in VIOLATION of FDCPA. my credit report should be updated immediately with CORRECT information!
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (IL)

Ally bank customer servise are not professional, they never have a right answer. The due date changed on its own and the charge whatever they want. For XXXX years we have been waiting to remove couple charges and since then the charges were not removed. Ally bank rating is a XXXX star rating from all customers, which says a lot. Please help us!!
Consumer complaint received 2023-02-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Im so angry with Equifax! Theyve been reporting false information on my credit report. I have paid my credit card in full as you can see in the file below. Please help me now or I wont be able to get a home loan for a house Ive been working so hard to get.
Consumer complaint received 2023-04-19
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. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc. (NV)

In accordance with tge fair credit reporting act. This creditor American Finance has violated my rights under 15USC1681 Section 602, states i have the right to privacy. Under 15USC1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-19
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-04-19
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-06
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. ()

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 XXXXXXXX Balance : {$3400.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$3400.00}
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MN)

I am writing to express my deep concern about your failure to comply with the direct dispute provisions of the Fair Credit Reporting Act ( FCRA ). This company is reporting incorrect information. I think the amount they report and collect is wrong. I asked them to investigate and rectify but nothing, the latest report says that I am on charge off the month I pay.
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AR)

XXXX Homeowners insurance coverage was not renewed for the year but was paid through my mortgage payments. Pennymac is forcing me to pay for insurance for last year. How do you cover the past with insurance? It's unnecessary money spent and it has destroyed my progress towards paying off my principal amount. I got a policy in place for XXXX. So Im paying for present coverage and an imaginary cover from last year that was just charged to my account XXXX XXXX. I can't afford any increase in my monthly note over paying 2 insurance premiums this year. I really feel like it's an attempt to cause me to foreclose. I would understand the reason behind forced insurance if it covers the present day going forward... not backwards.
Consumer complaint received 2018-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc. (GA)

I called XXXX XXXX XXXX today XX/XX/XXXX to report an inaccuracy on my XXXX  and XXXX  Credit Report. On XXXX it is listed as XXXX XXXX XXXX XXXX i the amount of {$450.00} ( reporting date XX/XX/XXXX ) telephone number is for XXXX XXXX XXXX  and on XXXX it is XXXX XXXX XXXX in the amount of {$440.00} ( reporting date XXXX ). At the time of service I was a college student in XX/XX/XXXX and a legal dependent of my father XXXX XXXX XXXX, XXXX and I am XXXX XXXX XXXX, XXXX an unemployed college student. I needed XXXX   treatment in XX/XX/XXXX in which my father gave his consent for me go to the XXXX XXXX XXXX. XXXX in XXXX, GA my mother also signed for me to utilize their XXXX insurance and accompanied me each visit with the exception of my XXXX visit when my paternal grandmother passed. My father was gainfully employed and was making payments on my XXXX   account which he was responsible for due to the fact I was on his insurance and under the age of XXXX. My father became ill and XXXX in XX/XX/XXXX and was mo longer able to make payments on the account. The account was turned over to XXXX XXXX XXXX ( XXXX ). I tried to explain to the legal department of XXXX XXXX XXXX today XX/XX/XXXX. That the dentist office transposed the file due to the fact my father and I carry the same name. However, she stated I was responsible for the date because I was over the age of XXXX at the time of rendered service. If this was the case this debt should not have been filed on my fathers XXXX  insurance and no payments excepted from him to rectify the account. Might I add upon graduating from college in XX/XX/XXXX, I enlisted in the XXXX in XX/XX/XXXX, graduated from XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) and XXXX XXXX for the full 13 weeks of training. I take pride in representing our country and my credit profile. I do not wish to carry a negative blemish for the clerical error of someone else 's mistake. I thank you for your assistances and immediate urgent attention in resolving this matter. 

In my conversation with XXXX in the legal department she was most rude and snappish towards my explanation and questioned the intelligent intellect of my mother.
Consumer complaint received 2023-10-13
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. (CA)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

The actions that were taken was notifying XXXX and Equifax with letters asking for information and procedure use to determine that the bankruptcies were accurate on my credit report. How can I possible have two bankruptcies in the same year ( XXXX  ) and one in Florida. I am a Georgia resident, that should've been a red flag for you. I wrote XXXX and Equifax numerous times concerning inaccurate on my credit report. I WILL receive a letter stating that it has been verified but how???? And never receive what I am asking such as the procedure, phone numbers, phone number and who they talk with, etc. Never received such information from XXXX and Equifax. Second step, I have reached out to XXXX  XXXX ( CEO ) of Equifax and the Ceo of XXXX concerning my issues with each company and their process of handling my situation. I reached out to XXXX and Equifax again and the same thing, it's been verified. XXXX and Equifax informed me that the bankruptcy court filed the bankruptcy and after reaching out to the Bankruptcy Court. I was informed that they don't have time to report information of such to any agency. I have enclosed all my contacts with the Bankruptcy Court, the credit bureaus and the CEO of XXXX and Equifax. As a veteran and XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX, my wallet was stolen and cause all these issues in my life and XXXX and Equifax has been a pain for individuals like myself, when identity theft and fraud take place in your life. I have alot of inaccurate information on my credit report from XXXX and Equifax, and its like pull teeth with both of them company. I was writing congress concerning the issues that has took place with these companies ( XXXX and Equifax ). I hope you can help me
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am writing to report a matter of significant concern regarding unauthorized credit inquiries and an unauthorized credit account on my credit report. I kindly request your assistance in addressing this issue, as my efforts to resolve it with Equifax have thus far been unsuccessful. 

On my credit report, I have identified two separate unauthorized credit inquiries that I did not authorize. Furthermore, there is a XXXX XXXX XXXX XXXX  account that has been listed for the past eight months. I wish to clarify that I did not initiate or authorize this account. 

I strongly suspect that my identity may have been compromised, as I have no affiliation with these inquiries or the XXXX XXXX  credit card account. The presence of these items on my credit report poses a significant risk to my financial stability and creditworthiness. 

I have made multiple attempts to have the XXXX XXXX account removed from my Equifax credit report, but my efforts have yielded no success. This has prompted me to escalate the matter to your agency in the hope of receiving appropriate guidance and resolution. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter to safeguard my personal and financial information. I have taken immediate steps to protect my identity, such as notifying my financial institutions and closely monitoring my credit report. However, I believe that your intervention is essential to address this situation promptly and effectively. 

I would greatly appreciate your assistance in resolving this matter as soon as possible and ensuring that my credit report accurately reflects my financial history and identity. Your support in this regard would provide me with much-needed peace of mind.
Consumer complaint received 2023-02-21
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. (TX)

N accordance with the fair credit reporting act 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 instruction.
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX Account # XXXX which is a Revolving account type. Has all kinds of inconsistencies where it is showing that it was opened with TransUnion on XX/XX/2015 XXXX on XX/XX/2015 and XXXX XX/XX/2015 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WV)

I received a letter in the mail from Chase Slate XXXX Visa Platinum postmarked XX/XX/XXXX stating that I had applied for a credit card but was denied. They utilized XXXX XXXX to pull my credit. I did not apply for a credit card recently. I called Chase on Sunday the XXXX to let them know this. I also called XXXX XXXX on XX/XX/XXXX to inform them. They put a fraud alert on my account/file and recommended I create a report.