davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
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. (AL)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-09-27
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. (MI)

My credit report information have been disclosed without my written permission and without permissible cause. I will be moving forward with a law suit in the New York XXXX XXXX XXXX.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I received a notification that my checking account was overdrawn. When I took a look, I saw that over the course of 2 days XX/XX/XXXX and XX/XX/XXXX, there were multiple charges from XXXX XXXX totaling over {$4000.00}. When I looked at the app I noted that these charges were made within minutes of each other in large amounts up to {$400.00}. I will admit that I have the XXXX 's app on my phone and that I have used it. But my usage is minimal and not with the frequency or the amounts that it was utilized over those two days XX/XX/XXXX and XX/XX/XXXX I immediately called XXXX 's to report this. That evening I obtained a police report and faxed a copy to XXXX 's and Chase Bank where I have my checking account. XXXX 's told me that they were able to trace the transactions to my cell phone. I worked long days on XX/XX/XXXX and XXXX. I am an XXXX XXXX XXXX XXXXXXXX at an assisted living facility and not allowed to carry my personal cell phone on me. I have been given a cell phone provided by my employer that I carry instead. My cell phone in the wallet case that allows me to store my driver 's license, credit card, debit card, is left on a desk in the office while I'm out working and running around on the floor. I hate to believe that someone got a hold of my phone and went into the valley app where my debit card is connected and ran up all those charges. I work in a very busy building. We have third-party providers my coworkers, residents, their families and visitors. I can only imagine that someone accessed my phone without my knowledge. Yes, I have played online games with XXXX 's casino. But I did not play over {$4000.00} worth in such a short amount of time. I'm a single mom with a mortgage and I'm currently in the process of refinancing my mortgage. I am the sole provider for my family, including my MotheXXXX. While taking a closer look at these transactions, it was clear that my bank continued to authorize payments to XXXX 's even after my account was already overdrawn. On XX/XX/XXXX I also contacted my bank to notify them of all of these charges that I did not authorize. At the conclusion of their investigation, I was notified that my claim was denied because XXXX 's confirmed that the transactions were made from my cell phone, the same phone used for previous transactions made through their app that I've admitted were mine. But I stressed to them that I did not authorize the transactions made on XX/XX/XXXX and XX/XX/XXXX! I need help recovering the money that was essentially stolen from me. Please. My checking account remains overdrawn. I have automatic payments being presented to my bank. My mortgage payment was returned and NSF fees continue to accrue. This has been awful. I have canceled my credit card and closed my XXXX 's account, because I'm sure that whoever did this has also written down my information to take with them.
Consumer complaint received 2023-09-14
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. (MI)

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


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello. On XX/XX/2023, I made a request for Equifax to fix an incorrect credit report on my XXXX XXXX account. ( I am attaching the statement from XXXX XXXX that I sent to Equifax along with my request ). 
Instead of fixing the incorrect credit report, they completely removed my XXXX XXXX account from my credit. And on top of that, my credit score went down by XXXX points. 
Now, this XXXX XXXX account shows up on XXXX XXXX and on XXXX, but Equifax just removed it from my list of accounts and it does not show up there. 
I ask that you fix my credit report and add my XXXX XXXX account back to my credit report. 
I am sorry that I need to contact your company to complain against credit companies, but especially Equifax because they are a complete mess. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP (MN)

My name is XXXX XXXX XXXX have amrotage with US bank Home mortage Regarding US bank Home Mortage XXXX. Talking to representative XX/XX/2023 at US BANK Im getting a bunch of different response regarding the partial claim I submitted. The patrial claim I entered was supposed to reset the loan and included XXXX, XXXX, and XXXX payment. I was supposed to send in XXXX payment with the partial claim paperwork, which I did. I informed that I still owe XXXX a payment and was told buy another US bank rpeoreriastaive it was fee and that the payment went towards the fee and only XXXX dollars off the payment went into escrow, The n she changed it again I asked for a supervisor. I spoke with representive # XXXX who also reports there a notice in small written form that mention the payment goes toward escrow, and she could not identify the page number of the document on the partial claim. The representative said she would escalate as there is some confusion, and she would see if the payment sent in would go towards XXXX payment, which was my understanding of the partial clam agreement. 

Us Bank seem to not be accurate with how this is handled, and I am not aware of any fees for the partial claim and the partial claim is supposed to reset the loan and clear up all fee, past due for XXXX, XXXX, XXXX. The have XXXX payment and it is unclear how and where that payment. I am filing a dispute that the payment I sent in with the partial claim be used for XXXX mortgage as agreed upon and as I was informed. 

I am told the payment went to escrow, My payment went up to address the mortgage payment so if it went to escrow why didn't my payment go down. There is no account for how my XXXX payment was applied to I keep getting different Reponses 's and the main one it was a fee and XXXX dollars applied to escrow. 

Also, there was cover letter with instruction with the paperwork that said send in XXXX payment and there was due date, this is not attached as I would need to find that paper. 
That they remove any late fee or late reports to credit bureau as payment was received in XXXX for XXXX mortgage with the partial claim that was also submitted in late XX/XX/2023.
Consumer complaint received 2023-09-14
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. 
Account Name : 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 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 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 XXXXXXXX The accounts above have 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 2023-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tate and Kirlin Assoc (SC)

Debt Collector Tate & Kirlin Associates text and call me on my mobile # attempting to collect a debt from XXXX XXXX. Virtually every time when I attempt to answer the call to advise them that they have the wrong person/phone #, there is no one on the line to speak with and the call disconnects. I have had the phone # in question for just under seven years and do not know anyone named XXXX XXXX and I myself do not have any debts in collections. 

The most recent round of contacts have come from the following phone # 's XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I found that there are some hard inquiries on my credit report that I did not authorize from XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-09-14
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. (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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX has violated my rights. Or 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 2023-09-14
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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX has violated my rights. Or 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 2023-03-28
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: EQUIFAX, INC. (NV)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

O/a XX/XX/XXXX I requested this agency to stop reporting delinquent days late from accounts discharged through bankruptcy as they use delinquent days as a tool to adjust fico score. The accounts are discharged that means even old reporting information such as delinquent days pass due before the bankruptcy
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has two accounts under my personal information, one of {$1000.00} and over {$5000.00}. Someone is using my personal information to open credit cards and get a car loan. I have tried to do a dispute and they refuse to remove me. There is also a loan car under my credit that will also need to be reported
Consumer complaint received 2023-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

am writing to formally lodge a complaint regarding a fraudulent account that has been reported to Experian, one of the major credit bureaus. The account in question, bearing the account number XXXX, has been listed as a collection account, despite the fact that I have never had any association or involvement with it. 

I recently discovered this account 's existence when reviewing my credit report from Experian. The account details listed on the report are as follows : Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX Balance : {$3100.00} No. of Months ( terms ) : - - High Credit : {$3100.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : - ( This account is not mine ) I must emphasize that this account does not belong to me, and I am a victim of identity theft. As such, I demand an immediate investigation into this matter to rectify the fraudulent account and remove it from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I intend to exercise them to ensure a fair and accurate representation of my credit history. 

Furthermore, I have taken the necessary steps to report this identity theft to the local law enforcement agency. I have filed a police report with [ Name of Police Department ] under the reference number [ Police Report Number ]. Enclosed with this letter, you will find a copy of the police report for your reference and records.

Case law supports the responsibility of credit bureaus to investigate and rectify fraudulent accounts. For your reference, I would like to highlight the following relevant case : [ Provide the details of the case, including the name, citation, and key points that support your position. ] In light of the aforementioned case and the evident discrepancy between the reported account and my personal financial records, I insist that Experian undertakes the following actions : Conduct a thorough investigation into the fraudulent account [ Account XXXX : XXXX ] and its associated details. 

Provide me with a written response acknowledging the fraudulent nature of the account and your commitment to rectifying the situation promptly. 

Take immediate steps to remove the fraudulent account from my credit report and update my credit history accordingly. 

Provide written confirmation, within [ reasonable timeframe ], that the fraudulent account has been completely removed from my credit report. 

Failure to comply with these demands will leave me with no choice but to escalate this matter further. I am prepared to exercise my rights under the FCRA and explore legal remedies to seek redress for the damage caused by this identity theft.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,, XXXX, XXXX,, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/2021
Consumer complaint received 2023-09-14
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. (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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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.