davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Hello, I attempted to complete my free credit report with XXXX, XXXX and TransUnion. While doing so I completed the form and inputted all my personal information after I did this, site stated they will send me a code to ensure verification I did not get the five number code, the site disconnect me and will not allow me to move forward. 

I called XXXX and was asked to input my information again to start the process I did this and once again I was disconnected after I inputted my information. 

I wanted to get a copy of my free yearly credit report and was trying to place a freeze on my credit due to a breach letter I received from XXXX in XX/XX/year> on behalf of a breach of my medical records from XXXX on XX/XX/year>. I am very concerned about identity theft since my data was breach. But I am unable to move forward to check my report. 
Thank you for your time and assistance in resolving this issue. 
XXXX.
Consumer complaint received 2023-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

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 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  has violated my rights. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section2 : 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 antidates 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 2022-11-08
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)

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (GA)

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

Account Name : XXXX XXXX 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

There are accounts and inquiries on my ChexSystems consumer report that are not mine and do not belong to me. I have been a victim of a identity theft and I have filed a Police Report as well as a report with the Federal Trade Commission. All I want is for ChexSystems to remove those accounts and inquires. Here is the full details of the situation : In XXXX, during our move from XXXX XXXX XXXX our house was XXXX  before we completed the move-in process. Unfortunately, my girlfriend left the door unlocked while we traveled back to XXXX  to retrieve more items from storage. The thief seized the opportunity and stole our TV, along with several personal documents such as my birth certificate, driver 's license, and social security card. 

Although I managed to replace the documents at that time, a recent check of my ChexSystems consumer report unveiled unauthorized activities using my identity. Over the past few years, someone has opened multiple bank accounts and made several inquiries without my consent. The fraudulent accounts and inquiries are reported on my ChexSystems consumer report, and here are the details : 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 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 I have already taken steps to protect my information by placing a freeze on all my consumer reports. I hope that by sharing this information, we can work together to apprehend the person responsible for these actions. Your assistance is greatly appreciated as I seek the resolution I deserve. Thank you.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me.
Consumer complaint received 2024-01-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MI)

I am a 100 % XXXX us veteran who filled out a XXXX in the state of Michigan to be exempt from property taxes my mortgage company will not honor it even though I have the documentation proving exemption and XXXX, they're charging me taxes on my loan and will not honor the state law.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

My Chase XXXX checking account was locked and then closed by Chase due to " unusual activity, '' while I or my account was never involved in anything " unusual '' or illegal by any means. The account was locked around XX/XX/23 and officially close very soon after XX/XX/23. There is a remaining balance of {$1800.00}, which I still have not yet received in the form of a check from Chase, after more than XXXX  months now. The servicing team over the phone nor the branch has never given me any exact response about whether and when my money will be returned.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (GA)

Pursuant 15 USC 1681 ( a ) ( 4 ) XXXX, XXXX and XXXX are consumer reporting agencies, and I'm the consumer and/or customer. As per 15 USC 1681e XXXX, XXXX and XXXX are not maintaining reasonable procedures. 

Also, in conformity with the FCRA customers have the right to make sure their nonpublic personal information is not shared according to title 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 those customers nonpublic personal information. '' XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are financial institutions according to that title and will be referred to as such hereinafter. 

Title 15 USC 1681b ( a ) ( 2 ) states 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. All forms of consent to XXXX, XXXX, XXXX, and the financial institutions whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

Title 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX, and XXXX are nonaffiliated third parties. None of the financial institutions informed consumer the right or how to exercise my nondisclosure option before my nonpublic personal information was disclosed. 

Furthermore, title 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. The account ( s ) with these financial institutions are adverse items that they are reporting without my permission.

Title 15 USC 1681s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 

Consequently, 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time. I am opting out. Effective Immediately. 
See attached copies of my consumer report.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been speaking with a XXXX XXXX in the XXXX office. We started discussing settlement options regarding this account in the beginning of XXXX. My account had fallen behind in XXXX. At the time of the late payments, I recently contacted XXXX. I was also going through a divorce and custody battle, which exhausted a good amount of my financial resources. I am also a XXXX XXXX in the XXXX area that was recently affected by the changes in XXXX XXXX that has gained national coverage. I had to recently switch jobs to a XXXX XXXX which drastically affected my pay. XXXX and I were speaking to come up with a settlement offer for my account. At first he was very helpful. Initially the settlement that we came up with was not accepted. It was an offer of a down payment and splitting the rest of the balance into payments. I wanted to offer a down payment and then have the rest of the balance split up into payments. We spoke on XX/XX/XXXX and he told me that he received an email with my name on the list of approved settlement amounts that was very close to the amount that was offered in the settlement offer first submitted. He was able get the settlement approved but said that he had to reach out to his supervisor to finalize the settlement. For the month of XXXX I kept reaching out to XXXX about the finalized settlement and when I could make payments. Then he informed me suddenly in late XXXX that the settlement offer was not approved. I reached out to the home office and was able to contact XXXX XXXX XXXX ). She has been helpful in regards to advising me to make a payment before the account would be charged off. I completed a payment in XXXX on my account. XX/XX/XXXX I was informed that my account was charged off despite my efforts to settle the account and making a payment in XXXX. 
XXXX XXXX deceived me for the month of XXXX by telling me my settlement was approved and then lied and said it was not. XXXX has continued to lie when XXXX contacted him on XX/XX/XXXX and tried to act like he didnt remember the account but the took responsibility for the error. His supervisor XXXX XXXX also did not make any attempt to contact me about my account after sending mutliple emails.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I reported a fraudulent account that was opened in my name. After XXXX did the investigation, the results that they came up with was that, there was a payment made from a XXXX XXXX account which under my name. 

Im requesting for a re-investigation because I do not have an account with the so called bank. Its either XXXX is not doing their investigation right or coming up with wrong feedback or even making something up. I have sent an identity theft report including a police report to XXXX  and XXXX  is still not removing this account from the credit bureau. After there is no resolution, Im going to sue because your investigation is not accurate and this is typical wrong doings to people of XXXX after I spoke to XXXX  multiple times on the phone.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

As of late I decided that I need to keep a closer eye on my credit report. Upon review I was shocked and horrified to find a myriad of errors being reported on my credit report. These inquiry reportings are unsubstantiated and causing mayhem in my personal and business life. I am needing to get funding for my business and these dubious errors are causing unnecessary stress and harm to my mental health.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Recieved Fraudulent mailings as well as phone calls beginning XX/XX/year> & again XXXX XXXX  concerning my Social Security Disability . All of a sudden I began recieving fraudulent billing statements claiming that I owe back pay to the XXXX. These billing statements are demanding payment of {$25000.00} payable by check, money order, debit/credit card or especially electronically directly out of my bank account. The billing statements also demand Social Security Number & Driver License Number! The payment is to be made in one lump sum & sent to a Post Office Box Number located in XXXX, Oregon as well as XXXX  XXXX, Missouri. I have not recieved my SSA Direct Deposits since XXXX of XXXX. My local bank manager had asked me if I had gone to another bank location for any transactions & the answer is no! Instead of recieving answers, I recieved a huge run around & an email with link to XXXX XXXX XXXX which I do not have a wealth management account!
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC. (NY)

on or around XXXX of XXXX  I tried to use my credit card and it was decline, So I called Ollo Bank immediately to find out why. the Ollo Bank service representative said there were numerous online game charges to my card I explained that is wasn't me. I said my XXXX XXXX XXXX son might have done this. and she said that I was still responsible for unauthorized charges on my card that my son made. So i closed the card. I recently found out that a credit card company can't force you to pay for unauthorized charges. Ollo Bank has continued to report the wrong amount of my debt to the national credit bureaus. This company has all the proof that there company representative made a mistake by giving me wrong information. police reports, I.D . Theft Reports, and there actual recorded phone conversation that I had with the service rep.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

Subject : Dispute of Late Payments on Account [ XXXX ] Dear Sir/Madam, I am writing to dispute the late payments being reported on my account [ XXXX ]. According to the Fair Credit Reporting Act ( FCRA ), the term person is defined broadly, including entities such as Citizens Bank. 

Reference : 15 USC 1681a ( 2 ) ( A ) ( i ) Explanation : This section establishes the broad definition of person under the FCRA, encompassing entities like Citizens Bank. It serves as the foundation for disputing the reporting of late payments by such entities. 

Furthermore, under 15 USC 1681a ( 2 ) ( A ) ( i ), a consumer report excludes information about transactions solely between the consumer and the reporting entity, subject to section 1681s3 of the FCRA. As such, reporting late payments as transactions is a violation. 

Reference : 15 USC 1681s3 Explanation : This section outlines the responsibilities of furnishers of information to consumer reporting agencies, emphasizing the requirement for accuracy. It supports the argument that transactions solely between the consumer and the reporting entity should not be reported under this section. 

In accordance with SC Code Ann. 39-5-10 et seq., which prohibits unfair or deceptive practices and acts, the illegal reporting of late payments corresponds with this law. 

I am ordering Citizens Bank, XXXX, and XXXX to cease reporting late payments for this account and update it to Paid as Agreed, Never Late. I do not authorize the reporting of these late payments, as they are not only inaccurate but also damaging to my creditworthiness. 

Furthermore, even with a permissible purpose, consumer consent is essential, as mandated by 15 USC 1681b. I do not grant such consent in this case. 

If the account is not updated within 30 days from the receipt of this complaint, XXXX, XXXX, and Citizens bank can be held civilly accountable. I appreciate your attention to this matter. 

Done in good faith.
Consumer complaint received 2024-01-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RELIANCE FIRST CAPITAL LLC (FL)

XXXX Acct paid early XX/XX/XXXX XXXX. CURRENTLY Waiting escrow overage refund! RELIANCE states sent XX/XX/XXXX regular mail but has no way of tracking. They will Not cancel issued check and overnight and stated it would take at least 30 days for a replacement to be issued. OPINION- built in float to hold our funds! How you allow this is unblievable but then again what don't you allow?
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/year> I had XXXX large transactions totaling {$15000.00} taken out of my checking account. The XXXX, located, in XXXX, posed as the BECU Fraud Department ( they actually called from the Fraud Departments phone number ) and obtained a few key pieces of information so they could transfer money from my savings to my checking and then withdraw it. 

Since that time, BECU ( who I have seen multiple times ) has drug their feet on getting money back and done little to resolve the issue. I have been very clearly taken advantage of, and they are making me wait for up to three months before they decide whether or not to give me back my stolen money. Instead, they have given me a line of credit which I will be charged interest for using. As you can imagine, this has created tremendous stress and financial difficulties. 

Times are hard, and I NEED my money. Any help you can provide in getting my funds back to me would be greatly appreciatedthank you for your time and consideration.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MD)

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX Has been submitted fraudulent information and consistently has accessed my credit report and submitted negative reports to severely damaged my credit score multiple times without my permission authorization or knowledge consistently through multiple different companies that I have no knowledge of and have made threatening calls and contact that it would repeatedly submit false reports and information to dramatically affect my credit score I have told them on numerous occasions that I have no knowledge of these accounts and soon as I stated that they would illegally access my credit report without my consent and permission and submit negative information causing my credit score to drastically drop
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OR)

PayPal - will not refund me for an order that was not delivered. The " carrier '' they told me to reach out to, to get " proof '' that my order was not delivered does not have a phone number in English nor a way to contact anyone in the United States. 

Order was placed on XX/XX/XXXX  to a company called XXXX. The amount was {$79.00}. The order never arrived and PayPal is refusing the refund the money.