davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
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. (NC)

Under the XXXX XXXX ( XXXX ), specifically XXXX XXXX. XXXX, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, XXXX, and XXXX, XXXX allowed by law. 

In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. 

As a diligent consumer, I am concerned about the privacy and security of my personal information as your company is questionable as it pertains to the legality of the lending as there have been an abundance of fraud reports. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.
Consumer complaint received 2023-03-28
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. (VA)

I accordance with the Fair Credit Reporting act XXXX Account # 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

I am a victim of identity theft, my information was stolen and used to open several accounts, including chase, and XXXX. I was informed of the theft by my bank XXXX, monitoring my credit report. Thats when I found a Chase card for {$9800.00}, and a {$4000.00}, XXXX bill. I reported the identity theft to my local police department, and was given a case # for Mr to use informing the above companies, that I am in fact, a victim of identity theft. 

After a few months, XXXX sold the debt to XXXX XXXX, a company that buys bad debt, and then tries to collect the debt, using some questionable practices. I informed XXXX that this was happening, and they got XXXX to remove the derogatory item from my credit report. 

Unfortunately, chase bank services are another issue, after calling, and writing numerous letters, providing them with all the information I have, including the police report, with case number. They insist they account is verified, by virtue of Payment made in my name, unfortunately not by me, because i never received a bill, because i never opened the account, nor signed any documents from Chase accepting their terms, and conditions
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (AZ)

I am writing to file a formal complaint against Chase Bank regarding their unauthorized sharing of my private information with third-party companies. Despite my explicit request to opt out of such information sharing, Chase Bank has continued to disclose my personal data, which constitutes a violation of my privacy rights and a breach of trust. 
On XX/XX/2024, I submitted a letter to Chase Bank clearly stating my desire to opt out of any sharing of my personal information with third-party entities both affiliates and non-affiliates. I have attached a copy of this opt-out letter for your reference. Despite providing this notification, I have recently become aware that Chase Bank has continued to share my information with third parties without my consent. 
This unauthorized sharing of my private information not only undermines my privacy rights and is a direct violation of their own terms and conditions, but also exposes me to potential risks such as identity theft, unwanted solicitations and caused me to be denied a new bank account at another bank. As a consumer, I expect companies to respect my privacy preferences, follow their own terms and conditions, and adhere to applicable laws and regulations governing the protection of personal data. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate enforcement action against Chase Bank for its failure to comply with consumer privacy regulations and their own terms and conditions. I request that Chase Bank be held accountable for its actions and take immediate steps to rectify the situation, including ceasing all unauthorized sharing of my personal information, correcting and removing my personal data from third party affiliates and non-affiliates, implementing robust safeguards to prevent future violations, and compensate me for each transaction reported that intentionally violated the privacy laws, my opt out request and/or their own policies, terms, and conditions which prevented me from opening a new account. It is so humiliating to be denied a bank account due to Chase Bank sharing inaccurate and derogatory private information about me. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt and decisive action to address this issue and protect the rights of consumers as well as provide monetary relief for blatant disregard of the law. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My credit report is showing discrepancies from what XXXX is providing me. These errors are misleading and affecting me. I depend on my credit and because of this false reporting I am getting denied by banks. This account needs to be deleted.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXX : The account has been disputed on XX/XX/, XX/XX/, and XX/XX/. The payment status reflects 30 days late with Experian and XXXX when the account is paid in full. It reflects current with XXXX. The dates of last payment are wrong - XXXX reports XX/XX/, Experian and XXXX report XX/XX/. XXXX and experian report XXXX as 30 days late, but current with XXXX. XXXX reports XXXX  as 20 days late, but current with equifax. This account is filled with errors and none of them have been fixed! 

XXXX XXXX XXXX : This account has been disputed on XX/XX/XXXX XX/XX/23, and XX/XX/. Nothing has been fixed. XXXX reports XXXX as 30 days late, but other two bureaus havbe current. Experian reports XXXX as 30 days late, but current with other 2 bureaus. XXXX reports XXXX as 30 days late, but current with other two bureaus. The payment history is completely inaccurate. It needs to be updated to NEVER late immediately!
Consumer complaint received 2024-09-19
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)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a complaint regarding two closed accounts and three unauthorized inquiries on my credit report. I believe that these items violate the Fair Credit Reporting Act ( FCRA ) as well as the 15 USC 1681 statute. 

The closed accounts are as follows : XXXX XXXX - XXXX, which was opened on XXXX XXXX XXXX 
XXXX XXXX - XXXX, which was opened on XXXX XXXX XXXX 

I DEMAND that these closed accounts be removed from my credit report as they are no longer active and are therefore not relevant to my current credit status. 

In addition to these closed accounts, there are three unauthorized inquiries on my credit report, which were made by XXXX XXXX XXXX on the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries, and I request that they be removed from my credit report as they are negatively impacting my credit score and creditworthiness. 

These items violate the FCRA and the 15 USC 1681 statute, and I request that you investigate this matter and take appropriate action to rectify the situation. Thank you for your prompt attention to this matter.
Consumer complaint received 2018-04-13
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: NCB Management Services Inc. (MD)

XXXX XXXX  Circuit # XXXX All 3 Accounts was paid before being placed as judgements as well as the new law passed in XX/XX/2017, judgements should not be placed on the credit report if all the personal information is not reported. This is a violation, accounts was removed Fair Collection and Out # XXXX  Creditor has not provided any proof or contracts bearing my signature but after 2 disputes, the credit bureaus are still reporting inaccurate information. This account was removed from XXXX.

NCB Management # XXXX   Account was recently added, with terms but I have never had a contract to have terms or a payment status reported.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

On XXXX, XXXX submitted a total loss payment to XXXX XXXX for a XXXX XXXX XXXX that was XXXX XXXX XXXX when I purchased the vehicle and it had over XXXX miles at the time of purchase. Contracts and proof attached. 

Considering the lawsuits pending against XXXX XXXX, TOTAL LOSS from INSURANCE, and the predatory lending of 22.99 % for 5 years on a XXXX car at the time of purchase, I am requesting that credit acceptance REMOVE and DELETE the 180 DAY LATE Payments and other adverse payments from ALL THREE CREDIT REPORTS. 

Since the beginning of the loan in XX/XX/XXXX, I was never late on the car payments. Negative credit reporting started after the total loss of the car. 

The car was involved in an accident in XXXX of XXXX and instead of XXXX XXXX  reporting this correctly, they have reported 180 day late payments for ALMOST TWO YEARS affecting my ability to obtain credit in an already increasing high economy. This is unfair to me as the car was deemed a total loss, and XXXX XXXX CHARGED ME {$12000.00} in APR charges or interest, which is more than double the price of the vehicle. Contract attached. 

The reason a balance was remaining was due to the 22.99 % interest rate and the sticker price of {$8500.00} on the car, which seemed to be overstated because the car had over XXXX miles on it at the time of purchase and was already XXXX years old. Please assist because I am like many other consumers who are just trying to pay our bills on limited incomes from day-to-day and encountering large conglomerates who take advantage of marginalized communities. Thank you for your help as I really need your assistance.
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (GA)

I DISCOVERED A BANKTRUPTCY REPORTED TO ALL THREE MAJOR CREDIT BUREAUS ; EQUIFAX, XXXX AND XXXX. WHEN I TALKED TO CUSTOMER SERVICE AGENTS AT AII THREE CREDIT REPORTING REPORTING COMPANIES, THEY EMPHATICALLY STATED THAT THE US XXXX XXXX REPORTED DIRECTLY TO THE COURT. BUT I WROTE A LETTER ( XXXX ) TO ALL THREE CREDIT REPORTING COMPANIES ASKING FOR AN EXPLANATION. THEY STATED THAT THE REPORT WAS CERTIFIED BY A COMPANY. WHOM, THEY DID NOT ANSWER LEAVING ME TO ASSUME THAT THE XXXX XXXX DID INDEED REPORT DIRECTLY TO THEM. 
SO I WROTE TO THE BANKRUPTCY COURT ASKING FOR A WRITEN CLARIFICATION. THE COURT WROTE BACK THAT THEY DO NOT REPORT TO ANY CREDIT REPORTING COMPANIES. THEREFORE THE CREDIT REPORTING AGENTS VERBALLY LIED. 
WHEN I CHALLENGED XXXX, XXXX AND XXXX VIA THE COURTS REPLY, XXXX DELETED THE BANKRUPTCY. XXXX AND EQUIFAX HAVE REFUSED PER AN UNDISCLOSED CERTIFICATION CRITERIA AND DESPITE THE COURTS POLICY. 
I BELIEVE THE GOVERNING POLICIES SHOULD BE CONSIDERED : FCRA SECTION 611 ( 15 U.S.C.1681 ) PROCEDURE IN CASE OF DISPUTED ACCURACY FCRA 623
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XX/XX/XXXX DOB XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Consumer complaint received 2024-01-15
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. (CT)

15 USC 1681 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 : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  XXXX  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. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 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.
Consumer complaint received 2024-04-25
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.

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 informationisinaccurate.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (RI)

Between XX/XX/2023 XX/XX/2023 money has been taken from my checking account fraudulently via on-line orders with my debit card for TD Bank. Many many dates, times, amounts, places, in the XXXX and other countries. The XXXX has labeled bank statements for every fraudulent transactions as well as denial letters from TD bank to return my money the XXXX also has copies of XXXX data breachs resulting in the release of all my personal information, XXXX breach happened XX/XX/2023 and the other taking place in XX/XX/2023, i was informed by letter from both companies in the month of XX/XX/2023. Whom ever is responsible also depleted my XXXX XXXX SSDI payment for the month of XX/XX/2023. As far as TD bank I sat in the branch for XXXX hours multiple times with concrete evidence that I was not responsible for debit transactions, example XX/XX/XXXX I was in XXXX XXXX XXXX XXXX Rhode Island XXXX while my card was being used in XXXX Georgia for XXXX new phone, restaurants, and shopping. I brought the hospital paperwork along with my bank statement for that date into the XXXX RI XXXX, I was called a liar by XXXX Banks XXXX XXXX, and once again I was denied my money back, Approximately XXXX dollars in total has been stolen from my account. Each complaint I filed was denied replacement of my money, XXXX complaints denied 3 times. I received a text message on XX/XX/XXXX from TD bank XXXX department asking me if I was paying for food at XXXX, I responded NO. My phone rang immediately, it was TD bank XXXX department the man on the phone again asked if I was making a purchase at XXXX restaurant, I replied again NO, at that time I informed him I was home, and I asked where XXXX was, he responded Georgia ... ... I was home in XXXX XXXX Rhode Island, that charge was STILL removed from my account.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN