davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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. (SC)

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

XXXX XXXX XXXXXXXX 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. 

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5 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 2022-12-05
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)

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

XXXX XXXX XXXX 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 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 2023-08-15
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. (IL)

Mailed Transunion a letter on XX/XX/2023 to update the address on my credit report to my current address. I have also called them 4 times the week of XX/XX/2023. As of today, my current address has not been added and the old addresses remain.
Consumer complaint received 2024-04-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (OH)

Upon researching I became aware that this company obtained a security interest when I signed the loan and started trading my shares without my knowledge or consent reading there XXXX form signed by XXXX XXXX that the company provides dividends to the shareholders and I havent received any of my shares dividends also this company reporting negative on my credit report when the check the company received in XXXX  paid the car off my car title is in my name which shall be returned to me immediately also this company committing XXXX XXXX identity theft and fraud
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Due to recent suspicious activity related to my accounts, I am requesting an immediate fraud alert on my credit report. I believe I might be at risk for identity theft or fraud. 

Please find a copy of my [ identification, e.g., " drivers license '' ] for identity verification. Once the fraud alert is in place, I'd appreciate a confirmation from your end.
Consumer complaint received 2023-08-15
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. (MO)

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-05-07
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: Experian Information Solutions Inc. (LA)

I was checking credit reports on  XXXX / XXXX /  XXXX   and noticed that my scores had decreased by  XXXX  points. There has not been any negative changes with my credit reports. My scores should not have changed.
Consumer complaint received 2017-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

Our mortgage on our second peoperty ( condo ) was sold to green tree and we became behind in payments. We went through modification but were denied. We submitted  XXXX  short sale offers which were never acted on by green tree. Foreclosure happened. We never received anything in mail explaining the short sale offer denials nor the foreclosure. For info i had to ca ll the county prop erty tax office. Our credit of course was dramatically impacted affecting many aspects of our life.
Consumer complaint received 2023-06-09
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: ERC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2017-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (CA)

I received a credit card from  Wells Fargo  on   XXXX   XXXX   with a credit limit of {$13000.00} in mine and my mothers name. Neither of us have requested this card. I understand  Wells Fargo  is in the middle of fraudulent hearings about these issues and they seem to still be practicing these horrific habits.     I will be reaching out to  Wells Fargo  but wanted to report this.
Consumer complaint received 2022-12-05
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. (NY)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Acc Name : XXXX XXXX Acc # : XXXX Acc : XXXX XXXX Account : XXXX Acc : XXXX XXXX XXXX XXXX Date : XXXX INQUIRIES : XXXX XXXX XXXX  DATE XXXX XXXX  XXXX XXXX DATE:XXXX XXXXXXXX XXXX XXXX DATE:XXXXXXXX XXXX XXXX DATE : XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) 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
Consumer complaint received 2023-08-15
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. (OH)

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

XXXX XXXX : # XXXX, violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-11
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)

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX  XXXX ( Account # ) : XXXX, XXXX  XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX  XXXX XXXX account XXXX XXXX XXXX, XXXX XXXX  account XXXX XXXX XXXX, XXXX XXXX account number XXXX XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud ( 1099 OID ). By Law companies are supposed to send me the consumer a copy of the 1099A & 1099C from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (GA)

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 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I made a donation to a charitable organization on XX/XX/2021 for {$900.00}. It is now XX/XX/2021 ( over 4 months later ) and the payment is still pending. PayPal refuses to process or cancel the transaction. They took the money from my bank account but have not moved the money to the organization 's account. PayPal claims that the payment is under some kind of regulatory or compliance review. I haven't had issues with any other payments I made and the organization has not had issues with any other payments they received. Even if this transaction was arbitrarily selected to be reviewed for whatever reason, it should not take four months. It is completely unacceptable to hold my money indefinitely. I have called and emailed at least 5 times over the past 4 months and the representatives claim there is nothing they can do to resolve this. If PayPal does not have enough people or resources to review transactions in a reasonably timely manner that is their problem, not mine. This is fraud and theft. They are probably doing this to thousands of people and holding millions of dollars for long periods of time and earning interest or investing that money for the company 's benefit. I should get my {$900.00} back, plus interest and penalties for the 4 months they have been holding my money.
Consumer complaint received 2023-09-05
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. (OK)

I AM A VICTIM OF THE EQUIFAX DATA BREACH, IDENTITY THEFT & FRAUD FOR A {$20000.00} LOAN THAT I DID NOT TAKE OUT. ON XX/XX/2023 I SENT EQUIFAX A NOTICE OF DISPUTE FOR THE FRAUDULENT ITEMS AS WELL AS A COPY OF MY PASSPORT, SSN CARD, UTILITY BILL, FTC REPORT, FTC AFFIDAVIT, CREDIT REPORT AND 605b NOTICE PERTAINING TO BLOCKING OF FRAUDLENT INFORMATION. I CALLED ON WEDNESDAY XX/XX/XXXX & SPOKE WITH AN AGENT BY THE NAME OF XXXX TO CONFIRM THEY RECEIVED ALL OF MY DOCUMENTS AND IF THERE IS ANYTHING ELSE THEY NEEDED FROM ME. SHE ADVISED THAT THEY RECEIVED EVERYTHING & THE ACCOUNT AND OTHER INACCURATE INFORMATION WOULD BE REMOVED FROM MY CREDIT REPORT WITHIN 5 DAYS. TODAY, XX/XX/2023, I RECEIVED A NOTICE IN THE MAIL DATED XX/XX/2023 ADVISING ME THAT THEY DID NOT BLOCK THE ACCOUNT DUE TO NOT HAVING ANY OF THE SUPPORTING DOCUMENTATION, ( IE FTC REPORT, IDENTIFICATION AND COPY OF THE ACCOUNT ON MY CREDIT REPORT ). WHEN I CALLED I SPOKE WITH AN AGENT XXXX  NAMED XXXX WHO ADVISED THEY DID RECEIVE THE DOCUMENTS BUT COULD NOT VERIFY MY ADDRESS BECAUSE I REDACTED MY ACCOUNT # BUT THE NAME AND ADDRESS DID MATCH WHAT WAS IN MY CREDIT FILE. SHE SAID THAT I WAS NOT ALLOWED TO REDACT SUCH INFORMATION BASED ON " INTERNAL PROCESSES AND PROCEDURES '' SHE THEN ADVISED THAT THE ACCOUNT WAS {$0.00} & CHARGED OFF AND THEY HAD " VERIFIED '' WITH THE COMPANY THAT THE ACCOUNT WAS MINE. I TOLD HER THAT IS NOT WHAT THE AGENT XXXX THAT I PREVIOUSLY SPOKE WITH ADVISED WHEN I CALLED ON XX/XX/XXXX AND IT SEEMS AS THOUGH THEY ARE BEING DECEPTIVE AND MISLEADING. I ASKED FOR A STATESIDE SUPERVISOR IN WHICH SHE REPLIED " THERE IS NO ONE WHO CAN HELP YOU, OUR HQ IS IN XXXX AND I CAN NOT TRANSFER YOU TO ANYONE THERE '' I THEN ASKED FOR HER TO PROVIDE THE PROOF OF VERIFICATION AND THE METHODS USED. SHE ADVISED THAT SHE COULD NOT DO THAT EITHER. 

THIS IS A STALL TACTIC BY EQUIFAX THAT MANY HAVE EXPERIENCED AND IT HAS CAUSED ME MUCH STRESS AND XXXX. THIS COMPANY NEEDS TO BE HELD RESPONSIBLE FOR THEIR FOREIGN AGENTS AND THERE PROCESSES ON FRAUD.
Consumer complaint received 2023-08-15
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Also as stated I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (FL)

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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXX XXXX. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Good Day .... Here is my tales of wow with Bank of America .... I set up a wire transfer with Bank Of America 's help to pay off my mortgage XXXX .... then BOA security canceled the transfer because they said I did not contact them in time .... I tried to contact them several times but they BOA never answered the number I was suppose to call then they disconnected my phone call .... tried again and same thing .... stayed on phone for a total of two hours trying to find support then disconnect... Finally got someone to help me today XXXX and sent the wire hope it gets there Monday XXXX when it is due .... But why was the wire originally canceled?? No one at BOA had a clue .... and I was speaking with the Dept. that canceled the wire .... At BOA the left hand does not know what the right hand is doing!! 

Oh by the way here are few other goodies that Bank of American did for me .... 

XX/XX/XXXX BOA declares me deceased and started repossessing my house... .had to show up at a BOA branch to prove I was still alive and my credit score dropped XXXX XXXX .... 

Here is another oldie but goodie .... back either in the late XXXX 's or early XXXX 's BOA somehow misplace {$100000.00} of my parents money .... took them almost a week to recover it .... 

Lost my Dad 's Death Certificate .... closed accounts still with outstanding checks .... the list goes on .... How is this possible?? Obama should have broken up BOA when he had a chance .... And usually there is no one to be able to speak to on the phone ..... If you go into a branch it is usually not a whole lot better .... Mistakes seem to be the order of the day with Bank of America!! Will be leaving BOA as soon as I am able .....