davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (NY)

I am formally complaining against MIDLAND CREDIT MANAGEMENT INC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with MIDLAND CREDIT MANAGEMENT INC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. 

I have contacted MIDLAND CREDIT MANAGEMENT INC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MIDLAND CREDIT MANAGEMENT INC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Consumer complaint received 2023-10-07
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. (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 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 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Have contacted all XXXX credit reporting agencies via online dispute system, numerous letters, and phone calls to remove XXXX XXXX XXXX XXXX from all XXXX reports. All XXXX agencies are reporting different information regarding the account. Payment arrangement was set up with XXXX in XXXX and within two weeks of payment arrangement, account was transferred to Collection agency XXXX XXXX XXXX XXXX XXXX  ) which agreed to remove negative XXXX XXXX XXXX  from all XXXX reports, once balanced is paid in full. 

I was advised they would report to XXXX to remove the negative item in full from my reports because they would have settled the account. Once the payment was received, within 30 days XXXX XXXX XXXX would no longer be on any of my credit reports. Payment of {$2300.00} was paid via debit card on XXXX XX/XX/XXXX and the negative reporting is still showing on all XXXX reports from XXXX with a balance of {$15000.00} since XXXX. 

This information is inaccurate, outdated, and deems are unfair reporting practices. I have disputed this line item several times with the credit bureaus and each time it comes back with item remains with explanation. 

This adverse reporting is affecting my overall score.
Consumer complaint received 2023-10-07
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. (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.

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 2023-06-12
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: Experian Information Solutions Inc. (FL)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EXPERIAN used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EXPERIAN reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2023-10-07
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. (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.

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 2023-10-28
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. (NY)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

In XX/XX/XXXX, I was affected by the COVID-19 pandemic which resulted in loss of employment. I contacted my mortgage provider who allowed me to make partial payments. On or around XX/XX/XXXX, my client portal to make partial payments was disabled. 

On or around XX/XX/XXXX, I contacted Select Portfolio Servicing, LLC to ask about the client payment portal being disabled. I was advised that I could no longer make partial payments and only FULL PAYMENTS would be accepted from that date going forward. 

Select Portfolio Servicing, LLC placed me on a Forbearance. During the forbearance process, I made contact with the approved government organizations that were listed on Select Portfolio Servicing, LLC website for mortgage assistance. In XX/XX/XXXX, I applied for assistance with the Maryland Homeowners Assistance Fund. 

On or around XX/XX/XXXX, I was told verbally by a Maryland Homeowners Assistance Fund that I approved for a {$20000.00} Maryland Homeowners Assistant Fund Grant, which would be applied to my delinquent mortgage balance. Any outstanding delinquent amounts over {$20000.00} will be applied to the back end of my mortgage. However, XXXX XXXX Program was waiting for confirmation from Select Portfolio Servicing, LLC so XXXX XXXXXXXX could take this to underwrite. 

On or around XX/XX/XXXX, I received a phone call from Select Portfolio Servings to state that they have denied the Approved Government, Maryland Grant. 

Select Portfolio Servicing is only interested in having me take advantage of their IN-HOUSE financial solutions. 

On XX/XX/XXXX- Select Portfolio Servicing, LLC initiated foreclosure on my property, however, they allowed me to be placed on a 3-month forbearance beginning XX/XX/XXXX, XXXX. In XX/XX/XXXX, I was advised by Select Portfolio Servicing I was advised that I my mortgage loan was going to be placed in foreclosure status in XX/XX/XXXX ; however, once again, Select Portfolio Servicing placed me in another 3-month forbearance.
Consumer complaint received 2023-10-07
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. (MS)

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 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 an 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 2023-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Im formally filing a complaint against Bank of America for FINANCIAL CRIMINAL THEFT!. This institution allowed scammers to open a fraudulent account in my name and my business name. The scammers in XXXX stole my check and deposited into a BOA account and withdrew {$43000.00} from a check that belonged to me in the amount of XXXX BOA, risk closure dept, suspected fraud and closed the said account 3 days after the scammers got $ XXXX out. On XX/XX/2023 my parent bank XXXX XXXX, requested the stolen funds be returned back to them. Instead, BOA sends the remaining $ XXXX to THE SCAMMERS ADDRESS IN A CASHIER CHECK ON XX/XX/XXXX, that they also cashed, grossly ignoring XXXX request of a return. I filed a ID FRAUD claim on XX/XX/2023 that BOA approved on XX/XX/2023 that I did not open that account and Im not responsible for the deposit or withdrawals from the account. Then in XXXX BOA, denied XXXX XXXX XXXX claim to return the funds, stating CHASE failed to properly identify the scammers whom they mailed the check to. As if BOA, themselves didnt properly identify the scammers when they allowed the account to be opened in XXXX and sent them $ XXXX after they closed the account and ignored XXXX request to return the funds. Theyre admitting it was my stolen money but its not THEYRE FAULT THEY GAVE IT TO THE SCAMMERS.. Mam/Sir, THIS IS THEFT.. They ASSISTED THE SCAMMERS, both directly and indirectly..Its inexcusable that the appointed analysts assigned to this claim has the audacity to defend BOA handling of my stolen money. BOA, admits to me that Im a victim of identity theft based upon their research and policies BUT, dont believe theyre responsible is pure hideous and outright theft. XXXX has sent over 3 separate requests for reconsiderations that the analysis refuses to respond too. My analysis needs to be properly retrained, charged with a crime and or reprimanded appropriately. BOA supervisor XXXX @ XXXX XX/XX/2023 during a recorded call admitted to me that his company BANK OF AMERICA IS IN FACT RESPONSIBLE, please review that call. Its just outrageous that Im fighting to get my money back for nine months while BOA, gave it away to scammers TWICE! 


Mam/Sir My Desired settlement : An immediate full refund of my money ( {$89000.00} ) and the necessary discipline for the aforementioned employees. 

PLEASE WILL YOU HELP ME GET MY MONEY BACK IM LITERALLY BEGGING YOU
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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, 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 an 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 2023-07-26
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NM)

While I was asleep at XXXX in the morning on XX/XX/XXXX my chime bank accounts were hacked. All of my checking was gone and savings and they opened up a credit card in my name. They put thousands of dollars from my savings onto the credit card and spent it all. They gave me my checking account back within a few days however its been over XXXX months that Ive disputed it numerous times and done rebuttals. I sent them an email of how I got text messages when the hackers changed my phone number on the account. All of the charges for XXXX were in the middle of the night and all of the ones that were on the credit card that the hackers opened were all to XXXX name via XXXX XXXX. I do not have XXXX XXXX and I do not know the person that all the transactions were to. I have been fighting for months now to have them get the money back and close the credit card and put the money back into my savings account that was stolen from me. I have no idea how they arent able to see it was obvious fraud there are so many red flags and Ive provided them with additional information and screen shots showing the hackers changing my account info. I am now in my third rebuttal with them and still from any of the previous ones have I gotten any documentation as to why they arent resolving this for me.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA Vilolations not mine not my cc XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$4900.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
Hippa Viloation not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. 

not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquries XXXX
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA Vilolations not mine not my cc XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$4900.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
Hippa Viloation not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. 

not my address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquries XXXX
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America Customer Service Department XXXX XXXX XXXX XXXX, FL XXXX Subject : Urgent Attention Required for Compromised Account and Legal Matter Dear Bank of America Customer Service and Risk Team , I hope this letter finds you well. I am writing to bring to your immediate attention a matter of great concern regarding my accounts held with Bank of America under my credentials. I recently discovered that my accounts have been compromised, leading to unexpected issues that require urgent resolution. 

I want to emphasize that I have not provided any sensitive information that could have led to this compromise. As per banking regulations, I understand that banks are not authorized to close accounts solely based on an individual 's inability to comply with the data breach and scamming system. 

It is with regret that I inform you that, due to these unforeseen circumstances and what appears to be a breach of proper bank protocols, I feel compelled to pursue legal action. According to my understanding of the situation, Bank of America and XXXX XXXX XXXX may be liable for damages resulting from this incident. 

I have consulted with legal counsel, and we are prepared to file a lawsuit seeking compensation in the amount of {$3.00} XXXX to cover the losses incurred and the distress caused by this situation. 

I sincerely hope that we can resolve this matter amicably and promptly. I am more than willing to cooperate fully in any investigation to identify the source of this compromise and to strengthen security measures to prevent such incidents in the future. 

I kindly request that you treat this matter with the urgency it deserves and initiate the necessary steps to address the security breach and prevent any further unauthorized access to my accounts. 

Thank you for your prompt attention to this matter. I anticipate a swift and satisfactory resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-07-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted complaint XXXX on XX/XX/21 explaining that I am a victim of identity theft, which I have been explaining to Transunion but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them. They only looked at one item. Please review all the information that is listed on this identity theft report that I have attached again.
Consumer complaint received 2023-10-07
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. (FL)

This inquiry on my report is not from me I am not sure what this is, but I do not have any open accounts with this company XXXX XXXX XXXX XXXX would like for this company to prove that this is my account or inquiry because I do not have knowledge of this company.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

I opened an account with TD Bank and set up my Direct deposit. Before I got my direct deposit, I had 2 transactions. The first was me cashing out on XXXX XXXX, and sending the funds to my mother XXXX XXXX through XXXX. The next was my mother sending me {$1000.00} Through XXXX  and me attempting to add it to my XXXX. The payment was declined and the following day my account was closed. Now i can not open another checking account. Please help.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.